413 reviews

Monthly fee: £12.50

Card fee: Free

CardOneMoney customer reviews.

413 reviews

4.6 out of 5 stars

Our review of CardOneMoney

If you’re looking for a prepaid card with low or no fees then the CardOneMoney could be an option worth looking into. There is no fee for applying or issuing the card and there are no for making purchases within the UK. You will need to pay £12.50 per month for the cardonebanking current account that links up with the prepaid credit card. If you want to use the card abroad, you’ll be subject to a small fee and a purchase in a local currency will cost you 2.75% of the transaction value. There is also a small charge if you want to use your mobile to keep an eye on your balance via text, but you’ll only pay your usual network text rate if you’re loading your card via text message.

CardOneMoney offer customers a good level of control over their card. You can check your balance at any time using the online banking facility, by calling their telephone team or by simply texting them. Using the online account you can also view your statements, authorise and amend Direct Debits, add another card onto the account, set up text alerts or pay bills using the Faster Payments service.

Reviews across the web paint a positive picture of CardOneMoney. At the time of writing they’ve scored an impressive 4.3 out of 5 on Although some customers do wish the monthly fee was less, a lot of the praise is about the easy online access, their excellent telephone team and quick resolution of any problems. One thing that you might need to watch out for is that sometimes the funds can take over an hour or so to transfer to the cardonebanking card, however, this is probably down to individual banks rather than the card itself.

Overall verdict: A fairly pricey monthly fee, but in comparison to other cards that charge per transaction it could work out as a cheaper option. CardOneMoney also appear to providing an excellent customer experience with efficient and responsive customer service. If you’re considering a prepaid card, CardOneMoney could be worth putting on your shortlist.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • No credit checks
  • Disposable income can be automatically transferred to the card
  • Account Manager can set up all regular payments
  • Pay in at a bank or Post Office
  • Wages can be paid directly onto card
  • Manage the card online
  • Text alerts

Minimum criteria

  • You must be able to verify your identity
  • You must be aged over 18
  • You need to be a UK resident


  • Application Fee: £0
  • Monthly Fee: £12.5
  • Reload Fee: Free
  • ATM Charges: £1.5
  • Transaction Fee: £0
  • Overseas ATM Charges: £0
  • Overseas Transaction Fee: £2.75

About CardOneMoney

Card One Money offer a Prepaid Debit MasterCard Card that looks like any normal credit card, but instead of spending borrowed money, you spend what you have loaded onto the card. There is no overdraft facility but you can use it in shops, online, paying for goods over the phone and for withdrawing cash from ATMs.

With CardOneMoney you will also be given a dedicated account manager who will set up standing orders, Direct Debits and regular payments from your account. It can also be setup that once all your bills are paid, the remaining balance is transferred to your CardOneMoney card so that you can control your disposable income. This can be set up using the online management portal accessed through the cardonebanking website where you can also view your balance and latest transactions. The most that you can load onto your card at one time is £1,250 and the total maximum for the card is £5,000. 

To set up your account with CardOneMoney there are no credit checks and no account opening fees or charge for issuing the card. You also don’t have to pay a fee for making purchases in the UK but you will need to pay £1.50 to withdraw cash from an ATM. If you want to add another user to the account (over the age of 13), you will need to pay an additional card fee of £5 per month.

Company information

Registration number: 06268340

0871 811 1881

24 Nicholas Street, Chester CH1 2AU

FCA registration

Reference No: 504547

Trading names: CardOneBanking

Place of business: 3rd Floor Vintners Place, 68 Upper Thames Street, London, United Kingdom, EC4V 3BJ

Data protection registration

Registration No: Z1167658

Data controller: Spectrum Card Services Limited

Address: 3rd Floor Vintners Place, 68 Upper Thames Street, London, United Kingdom, EC4V 3BJ

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