NEW - Secure Trust Bank Basic Bank Account Prepaid Card

Product Snapshot
The Secure Trust Prepaid Card Account comes with the Secure Trust Basic Bank Account, a real basic bank account which gives you access to direct debit and standing order faciliities/ The Prepaid card represents a real credit card alternative and there are no credit checks necessary which means guaranteed acceptance subject to identity & residency checks.

SECURE TRUST BANK PREPAID MASTERCARD VIDEO REVIEW

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You can apply for your prepaid credit card online in a few minutes and your card will be on the way to you. What's more, with a prepaid bank account, you can never go overdrawn again. Furthermore, there is the added comfort that there are no charges on your basic bank account for bounced direct debits and standing orders.

You can also set up automated transfers from your basic bank account to your prepaid credit card and you also have access to 24/7 online and automated telephone banking. You can pay cash into your prepaid card account at Payzone outlets and can also use cash and cheques to load your prepaid credit card account free of charge at Barclays branches.

Being a MasterCard branded prepaid card, you can use your card at over 30 million retailers and 1.5 million ATM's across the globe that accept MasterCard. A truly exceptional basic bank account facility with a prepaid MasterCard too boot!

The Good
With direct debit and standing order facilities, the Secure Trust Bank prepaid card account comes with the Secure Trust Bank basic bank account, a real bank account that represents seriously good value. An excellent creditcard alternative, the Secure Trust Bank team provide an excellent initiative with no charges on your basic bank account for bounced direct debits, which is great considering all the charges that most banks seem to be keen to introduce.

The Not so Good
There is a monthly fee of £12.50 for the basic bank account facility and you cannot actually get the Secure Trust Bank prepaid MasterCard card without the Secure Trust bank basic bank account. Now this represents good value for those who need the banking facility but can prove to be expensive if you are only looking for a prepaid credit card.

Application Process
You can apply for the Secure Trust Bank Prepaid account via the Secure Trust Bank website at www.securetrustbank.com.

• Apply online - You can order online in a few minutes and you are guaranteed acceptance as long as you can prove your identity and provide proof of address.

Once your application is approved, you will receive your Telephone/online banking registration number within 3 days and you will receive your Secure Trust Bank prepaid card in 3 - 5 working days and your cards PIN within 7 days. You should also receive your Barclays paying in slips within 9 days

Card Features

• A real bank account with a direct debit facility.
• Prepaid MasterCard can be used at over 30 million locations worldwide.
• No credit checks necessary guaranteed acceptance (subject to identity & address checks)

Card Fees

• Card Issue Fee - £12.50
• Monthly Fee - £12.50
• Transaction Fee UK - Free
• ATM Withdrawal Fee UK - £0.50
• Reload Fee - Free via bank transfer and from your secure trust bank prepaid bank account.
  

Online Account Management and Self Servicing
You can manage your Secure Trust Bank prepaid account using the online account management tools on the Secure Trust Bank website. This will allow you to:

• Monitor and track your transactions
• Check your card balance
• Reload their card
• Review and print your statements
  

Using Abroad
Your Secure Trust Bank prepaid card is a MasterCard prepaid credit card which means that you can use it at over 30 million worldwide locations that accept MasterCard in addition to making cash withdrawals at over 1.5 million global ATM's.

However, the Secure Trust Bank prepaid card is only available in Sterling (GPB) which means that using your card abroad will incur a foreign exchange fee of 2.75% on POS transactions. Furthermore, cash withdrawals abroad incur a £2.25 fee. If your sole purpose is to use the prepaid card abroad, then you may wish to consider other prepaid travel money cards.

Reload Options
You can load funds on to your Secure Trust Bank Prepaid Card in a number of ways. Use the method that suits you best.:

• Bank Transfer - Free
• Secure Trust Bank Account Transfer - Free
• Payzone -

Customer Service
You can get in touch with the Secure Trust Bank prepaid card account team in a number of different ways to discuss your Secure Trust Bank Basic Bank account or your Secure Trust Bank prepaid card account.

• By Email: customerservices@securetrustbank.com
• By Telephone: 08451 117111 (Free from BT landlines)
• Lost and Stolen Cards: 08451 117117 or 0121 6836410 (Free/Local Rate from BT landlines)
• By Post: Secure Trust Bank Plc, One Arleston Way, Solihull, West Midlands, B90 4LH

Complaints Procedure
For general account complaints you can contact the Secure Trust Bank Prepaid Bank Account team y writting to the

Chief Executive Officer
Secure Trust Bank
PO Box 11915
One Arleston Way
Solihull, B90 4ZX

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.

Awards
The Secure Trust Bank Prepaid Card account was designed to appeal specifically to people in financial difficulty, providing a genuine alternative to traditional bank accounts as well as a credit card alternative. The Secure Trust Bank prepaid account has already won rave reviews and is sure to make headlines with some formal prepaid card award wins. Watch this space!