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Free tool

Prepaid card cost calculator

Add up what a prepaid card really costs in a year: buying it, monthly fees, loading money, spending abroad and cash withdrawals. Free, no sign-up, nothing leaves your browser.

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  1. Your card appears in your app
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  3. See every payment as it happens

The card's fees

How you'll use it, each month

Use the fees from the card's own price list; the starting figures are only an example. Some cards also charge for inactivity or for taking the balance back out.

Fees in a year
£42.00
1.17% of the £3,600.00 loaded in a year
Buying the card
£0.00
Monthly fees
£0.00
Loading money
£0.00
Spending abroad
£18.00
Cash withdrawals
£24.00
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How prepaid cards work

A prepaid card spends money that's been loaded onto it in advance. It works like a debit card in shops and online, but it isn't linked to a bank account and can't go overdrawn, so you can only spend what's on it.

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What to check

Look at the fees for buying the card, loading money, spending abroad and taking cash out, and check how the balance is protected. Money on e-money prepaid cards is usually safeguarded rather than covered by deposit protection.

See it happen

Your own money app
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  2. Choose what it does
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Try it

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Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

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Launch your own branded cards

Brands launch prepaid and debit cards through licensed issuing partners and put their own design on them. SendPay Cards platforms are powered by licensed partners, and designing and previewing one is free.

Before you go

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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

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