Pre-paid Debit Card – savings / investment options

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27th January 2024 at 11:32
#588826
#588826

walace 22 posts

I occasionally get a pre-paid debit card but they are quite low value, usually £20-£100. I find using them in shops and online for purchases frustrating as I have to spend an exact amount to use them to their full potential.

Ideally I’d like to put the funds in a savings or investment account (or even buy Avios – but again I have the problem of spending an exact amount). However I’ve found some providers won’t allow payments as they see the card as either prepaid or an overseas card and refuse to accept it. Any ideas on savings/investment providers who would support use of this?

27th January 2024 at 11:37
#588827
#588827

WillPS 182 posts

You don’t need to spend the exact value in a shop. Just go to a manned till and say ‘I need to put £x on this card, and I’ll pay the rest with another card’.

It can be done on self checkouts too if you get a member of staff to help you (and they know what they’re doing), but it’s very standard on a manned till.

You’re in cat and mouse territory on the ‘recycling’ approach. People who know tend to keep it to themselves.

27th January 2024 at 12:02
#588833
#588833

TooPoorToBeHere 232 posts

Try unfronted curve.

27th January 2024 at 12:08
#588834
#588834

Alex G 351 posts

Monzo.me
Skipton BS
Yorkshire BS
Cambridge BS

27th January 2024 at 13:32
#588850
#588850

Misty 176 posts

Alex G wrote:

Monzo.me
Skipton BS
Yorkshire BS
Cambridge BS

ISA’s ?

27th January 2024 at 13:55
#588853
#588853

walace 22 posts

WillPS wrote:

You don’t need to spend the exact value in a shop. Just go to a manned till and say ‘I need to put £x on this card, and I’ll pay the rest with another card’.

It can be done on self checkouts too if you get a member of staff to help you (and they know what they’re doing), but it’s very standard on a manned till.

You’re in cat and mouse territory on the ‘recycling’ approach. People who know tend to keep it to themselves.

Sorry, should have also said they’re sometimes virtual cards so in store isn’t always an option.

27th January 2024 at 14:34
#588856
#588856

Reney 677 posts

Take the debit card and buy an amazon gift card online and spend it there?

Or John lew gift card for waitrose and john lewis. You can buy probably buy most supermarket giftcards online. that will deal with your online and exact amount problem.

BTW if it is a one4all they have an app you can add your card and they have an apple pay version which allow instore spending,

27th January 2024 at 14:37
#588857
#588857

Reney 677 posts

Misty wrote:

Alex G wrote:

Monzo.me
Skipton BS
Yorkshire BS
Cambridge BS

ISA’s ?

I think Monzo needs fronted. Someone sent me a link to contribute to leaving gift. I got charged fronted fee when paid with curve.

27th January 2024 at 14:40
#588858
#588858

BBbetter 370 posts

Reney wrote:

Misty wrote:

Alex G wrote:

Monzo.me
Skipton BS
Yorkshire BS
Cambridge BS

ISA’s ?

I think Monzo needs fronted. Someone sent me a link to contribute to leaving gift. I got charged fronted fee when paid with curve.

Fronted depends on the underlying card, not on curve card. If using debit card (I assume prepaid will fall under this category) as underlying, it wouldn’t be a fronted payment.

27th January 2024 at 19:27
#588896
#588896

Toaster 95 posts

You cannot add a prepay card such as Vanilla MasterCard to Curve.

27th January 2024 at 22:16
#588933
#588933

Alex G 351 posts

Monzo.me works for moving cash out of your Curve Cash account (cash back / rewards) and it’s instantly available. Works with most debit cards that I have tried.

28th January 2024 at 07:38
#588953
#588953

BBbetter 370 posts

Toaster wrote:

You cannot add a prepay card such as Vanilla MasterCard to Curve.

I have added a prepaid Mastercard issued by an employer for perks. Though it’s technically a reloadable card.

28th January 2024 at 08:25
#588956
#588956

walace 22 posts

Alex G wrote:

Monzo.me
Skipton BS
Yorkshire BS
Cambridge BS

I can see Skipton allows deposits by debit card. Have you had any success using a prepaid virtual debit card to make a deposit?

28th January 2024 at 08:28
#588960
#588960

walace 22 posts

BBbetter wrote:

Toaster wrote:

You cannot add a prepay card such as Vanilla MasterCard to Curve.

I have added a prepaid Mastercard issued by an employer for perks. Though it’s technically a reloadable card.

I don’t believe any of the cards I get are reloadable. I do have Curve still – although I just noticed it’s been so long since I’ve used it my card has expired!

30th January 2024 at 20:11
#589818
#589818

The Urbanite 111 posts

This thread takes me back to MSing 10 years ago. These kind of routes have all but dried up!

30th January 2024 at 23:29
#589854
#589854

bigmaggot 48 posts

This reply has been reported for inappropriate content.

Urbanite give me a message, there are certainly plenty of routes still out there if you want to discuss

tubs-day.0j@icloud.com

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