Saving with us Our Prepaid Debit Card

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What is a prepaid debit card?

A prepaid card is a payment card that can be loaded with money. You can then use the card to pay bills and make purchases at shops, by phone or over the internet. It can be used as a safe and convenient alternative to cash.

How does it work?

Once you have ordered and activated your new prepaid card you will be able to load it with funds from either your credit union account or from a bank account. You can then start to use your card in shops, online and cash machines.

Why have a prepaid card? 

  • It saves time - you can have funds transferred from your Credit Union account just by making a phone call or if you have a loan approved you can have the funds paid straight onto the card
  • It saves money - you can get make purchase online and in shops and get the best prices
  • It's convenient - you can get cashback in store at no extra cost
  • It's safe - you don’t need to carry cash and it's completely secure (supported by Visa and MasterCard)
  • It will help you budget - you can set up standing orders from the card and you can’t spend more than is on the card

 How much does it cost?

The issue of the debit card is FREE for a limited time only, however there are some transaction fees: 

Description Card Usage Fees

Cost

Card Issue

FREE

Load Fee via Credit Union

£1.00

Annual Card Cost

FREE

Monthly Management Fee

FREE

Transaction Fee on Purchases

FREE

Cashback

FREE

ATM (UK)

75p

ATM Balance

10p

ATM no funds

FREE

Description Other / Optional Fees

Cost

Additional Card Cost (Optional)

£10.00

Replacement Card Fee

£5.00

PIN Retrieval

FREE

Dormant Card charges

FREE

Overseas Transactions

£1.00 + 2%

ATM (Overseas)

£2.00 + 2%

BACS to non-Visa recipient

50p

CHAPS transfer off card

£15.00

Standard International Transfer off card

£20.00

Urgent International Transfer off card

£28.00

Load via PayPoint

£2.50

Card Block Fee

£2.00

Cancellation/Redemption

£2.00

SMS text for Balance / transaction Alerts

10p

Paper statements (Per 62 day period)

£1.50

 How do I get a card?

If you would like to order a card, download an application pack from by clicking here. Alternatively, email ccu@cardiffcu.com  with your name, address and membership number quoting ‘prepaid card’ or call 02920 872373

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Cardiff & Vale Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213467)