Your Own Debit MasterCard®

Plastic you can trust

Unlike many basic bank accounts, cardonemoney offers more than a cash card can.

Enjoy all the benefits of a cardonemoney Prepaid Debit MasterCard® Card.

A prepaid card looks like any normal credit or debit card, with a card number, signature strip and chip. However, it does not provide you with a line of credit. You can't borrow money with a prepaid card - This encourages you to only spend what you load.

The cardonemoney Debit MasterCard® does not have an overdraft facility. The advantage of this is that it encourages you to only spend what you load. This card comes with some of the convenience of a debit card. Using the cardonemoney Debit MasterCard could help you control your money.

With your cardonemoney Debit MasterCard, not only can you pay for your weekly shop, you can withdraw cash at ATM machines worldwide, shop online and by phone.

Taking it one step further

Why not request a second Debit MasterCard that is linked to the same cardonemoney account? This could be ideal for a member of your family or partner and could help to keep spending to a set monthly allowance. (Minimum age for secondary card 13)

Remember to load money onto your cardonemoney Debit MasterCard before you spend.

Account Manager

You can talk directly to your experienced account manager, they are available to help you manage your account. They'll help take the stress out of managing those monthly bills. Simply tell your advisor what needs to be paid and they'll do the rest. They'll set up all the necessary standing orders and regular payments from your account and help you manage your direct debits to ensure you'll never incur any fees.

Managing Your Spending

After all of your bills are taken care of, the remaining balance from your wages can be moved to your cardonemoney Debit MasterCard®. This process can be automated once the account is setup, using your online account to create "rules". These rules tell the system what percentage of your wages should be placed in your bills account or on your cardonemoney Debit MasterCard as spends. You will be able to manage these rules yourself to match your requirements. We will help you with this when you call to activate the account.

Pay in at a bank or Post Office branch

We've teamed up with a leading high street bank to allow you to pay in cheques at any of their branches. All you have to do is take your cheques to your nearest Barclays branch and pay in using your pre-printed GIRO.

You can pay in cash at any branch of the Post Office using your own personal barcode. Simply use the barcode on your online account or app, take your cash and your barcode to any Post Office branch and pay your money in over the counter. Unfortunately, you are unable to pay in cheques using the facility at the Post Office. Cash will be credited within 2 working days; please see terms & conditions for charges associated with this service.

The CardOneMoney current account is not covered by the Financial Services Compensation Scheme. Please see our FAQs for more information.

*Subject to identification, residency - see terms and conditions. Cardholder must be at least 18 years of age.

CardOneMoney is a trading style of Spectrum Payment Services Limited, a company registered in England & Wales (No. 06268340) with registered Office at 3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Spectrum Payment Services Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (FCA No. 839341) and to provide payment services (FCA No. 504547). We are not a lender.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Fair Payments Limited pursuant to license by Mastercard International Inc. Fair Payments Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493) © 2020 All rights reserved.