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Author Topic: Has anyone had any experience using pre-paid cards?  (Read 405 times)

Bowdon

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Has anyone had any experience using pre-paid cards?
« on: March 04, 2018, 01:20:26 PM »

I'm thinking of buying some stuff online and I usually use paypal as an extra security protection. But the site in particular doesn't accept paypal. So I was wondering about these pre-paid cards that I hear about.

I think they come in the form of debit and credit top-up cards.

I'd be using it mainly for online transactions.

As anyone had some experience with these cards? Is there any you recommend?


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Admin - Fixed small typo in topic title.
« Last Edit: March 04, 2018, 04:49:34 PM by kitz »
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j0hn

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Re: As anyone had any experience using pre-paid cards?
« Reply #1 on: March 04, 2018, 01:46:44 PM »

Are you under 18? You are generally much better with a banks debit/credit card.

I have and regularly use a Pockit card.
The card cost 99p
There's a few things that cost 99p (loading at paypoint, cash withdrawals at atm's, bank transfers from your pockit account(not to it)) but using the card in store and online is free.

It does bank transfers in and out. It can take wages and benefits. It gives cashback for select retailers (the reason I got it).

Anything I buy that is in $ or € my banks charges me £1 and a foreign transaction fee. The pockit card doesn't.
So I buy my sons Roblox subscription with it.

https://www.pockit.com
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tickmike

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Re: As anyone had any experience using pre-paid cards?
« Reply #2 on: March 04, 2018, 02:27:26 PM »

Just get one of theses and put £ on it (you do not have to only use it abroad !) .
When Ryanair canceled our flight I had put Euro's on it, so I converted it back to £ (on-line) and used it in the uk.

https://www.postoffice.co.uk/travel-money/card
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j0hn

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Re: As anyone had any experience using pre-paid cards?
« Reply #3 on: March 04, 2018, 02:59:21 PM »

Doesn't look as good as the Pockit card.

Minimum top up is £50, and you get charged for the privilege.

Quote
For Pound Sterling there is a load commission of 1.5% (min £3, max £50)

£2 annual fee vs £0.99 one off payment for the card.

You can top up the Pockit card free via wages/benefits or bank transfer. Fixed £0.99 fee for topping up at any pay point.
They are also rolling out direct debit to Pockit accounts for those who are unable to obtain a bank account.

The main benefit of the Pockit card is the great cashback. 4% in Argos, 6% in M&S.

https://www.pockit.com/cashback/

Code: [Select]
Grocery & Restaurant
8%
Pizza Express in-store & online
8%
Bella Italia in restaurant
8%
Belgo in restaurant
8%
Café Rouge in restaurant
6%
M&S in-store & online
6%
drinksupermarket.com online only
14%
Natures Sunshine online only
Home & DIY
4%
Argos in-store & online
7%
Debenhams in-store & online
8%
Carpetright in-store & online
9%
Woven online only
7%
Wyevale Garden Centres in-store & online
6%
M&S in-store & online
6%
Halfords in-store & online
Clothing
7%
New Look in-store & online
7%
Blue Inc in-store & online
7%
Yours in-store & online
7%
Officers Club in-store & online
6%
M&S in-store & online
4%
1860 in-store & online
4%
Greenwoods Menswear in-store & online
4%
Man Size in-store & online
2%
JD Sports in-store & online
4%
BrandAlley online only
4%
Timpson in-store only
Toys & Kids
6%
Toys R Us in-store only
6%
Babies R Us in-store only
Jewellers
10%
Ernest Jones in-store only
10%
H Samuel in-store only
Entertainment
8%
Virgin Experience Days online only
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roseway

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Re: As anyone had any experience using pre-paid cards?
« Reply #4 on: March 04, 2018, 04:11:32 PM »

Quote
£2 annual fee vs £0.99 one off payment for the card.

Unfortunately Pockit now costs £0.99 per month for new registrations.
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tubaman

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Re: As anyone had any experience using pre-paid cards?
« Reply #5 on: March 04, 2018, 04:23:04 PM »

I just use a standard credit card, and have been for very many years.
I have used loads of different sites and can only recall one bad transaction (double billed). A quick call to the credit card company got that fixed straight away.
As a bonus, for more expensive purchases (>£100 I believe), you have additional protection in law from the credit card company if anything goes wrong.
Perhaps I have just been lucky?
 :)
« Last Edit: March 04, 2018, 04:25:11 PM by tubaman »
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j0hn

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Re: Has anyone had any experience using pre-paid cards?
« Reply #6 on: March 04, 2018, 05:10:10 PM »

Unfortunately Pockit now costs £0.99 per month for new registrations.

Wow...

Quote
**FREE for customers who joined Pockit before February 2018, and use Pockit actively. If you joined Pockit before February 2018, and if you use Pockit at least once during any 6-month period, then we will NOT charge you.

They just killed their business.

I've recommended Pockit to dozens of friends & family. I've had about £40 in referral fees, and saved quite a bit through cashback.

It was the recommended prepay card on moneysavingexpert. It won't be now.
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Deathstar

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Re: Has anyone had any experience using pre-paid cards?
« Reply #7 on: March 04, 2018, 05:14:29 PM »

Yes we used a similar type of card when we went to the US a couple of years ago.

It was a Revolut card, we were able to add and transfer money to it.
We went down that route, as it was less hassle than exchanging a lot of dollars and would not be hit with transaction fees.
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