Product Snapshot
The B&F Prepaid MasterCard® works just like a pay as you go phone; you put money on to the card before you use it. It is not a debit card that is linked to a bank account or credit card where you pay for your transactions at a later date. You just top it up - it's that simple!
There are NO credit checks when applying for your B&F Prepaid MasterCard®. Approval is guaranteed as long as all application details can be verified.
Your B&F Prepaid MasterCard® will be accepted at over 25 million locations wherever your see the MasterCard® acceptance mark! With over a million ATMs in over 210 countries, you're never far from a MasterCard®, Maestro, or Cirrus ATM. By using your B&F Prepaid MasterCard® there is no danger of you overspending and you may even be able to save some money on your card each month.
B&F Prepaid MasterCard® is not only a safer way to carry your cash it also offers you the ability to manage your money totally hassle free.
The Good
Free UK ATM and POS is a good place to start but with an attractive card design and numerous reload and redemption options , the B&F prepaid MasterCard card is an excellent alround option for both consumers and businesses. Innovative online account management facilities ensure a good customer experience as well.
The Not so Good
The monthly management fees and foreign usage fees are marginally on the higher side but they should be easily compensated by the free UK ATM and POS options. There seem to be no free reload options as well.
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Application Process 
You can apply for the B&F prepaid MasterCard card in a number of ways.
- Apply online - if you have the right to reside in the UK, have a valid passport and a mobile phone then you can apply online. You have the facility to upload your ID.
- Apply via Telephone - if you have the right to reside in the UK, have a valid passport and a mobile phone then you can call the B&F team and apply on the phone.
- Apply by post - you can apply manually by providing your documents via Post.
- Apply at the B&F office - you can walk into the B&F office and apply
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Card Features
- Free ATM/POS
- 100% guarateed acceptance as long as they can verify your identity.
- Chip & PIN enabled for your safety and security.
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Card Design
At this stage, there is only one design available but it is a quite an attractive design.
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Card Fees
- Card Issue Fee - £9.99 Issue Fee + £1.00 Activation Fee
- Monthly Fee - £3.99
- Transaction Fee UK - Free
- ATM Withdrawal Fee UK - Free
- Reload Fee - £1.50 for all options available
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Online Account Management and Self Servicing
You can service your account on the B&F website where you can view your balance, recent transactions and change your personal details. B&F provide you with Full access to integrated and real time online account management tool
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Using Abroad
The B&F prepaid MasterCard card is available in GBP. A POS transaction abroad will cost you £0.70 and an ATM withdrawal will cost you 2.5% of your transaction value. Furthermore, using a GBP card abroad will incur an additional 3% foreign exchange cost.
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Reload Options 
Funds can be loaded on to your B&F Prepaid MasterCard card in a number of ways:
- At any Payzone outlet - £1.50
- At any Post office Outlet - £1.50
- At participating UK Banks - £1.50
- Cheque or Postal Order - £1.50
- At the B&F Office - £1.50
- Bank Transfer/Standing Order - £1.50
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Customer Service
There are a number of ways you can get in touch with the B&F Customer Services team.
- By Email:Customer.services@bandfcards.com
- By Telephone : 0870 879 3427 - National Call Rates
- Lost and Stolen Cards: 0870 879 3429- National Call Rates
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Complaints Procedure
The B&F prepaid MasterCard card team promise to investigate and provide a full reply within 7 days. You should contact customer services in the first instance or post/email to the services director at
B&F Services
Marble Arch Tower
55 Brayston Street
W1H 7AJ
London
and a full reply will be provided within 7 days.
You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 or +44 (0)20 7964 1000 (for calls from outside the UK) and e-mail: enquiries@financial-ombudsman.org.uk
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Awards
The B&F prepaid card programme is an excellent one but we are awaiting details of any award wins at this stage.
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Overall Card rating
A great option for business and consumers especially within the UK.
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