OneBanking Prepaid Card Review

The OneBanking Prepaid account comes with free text alerts, a sort code and account number and all the facility you would want from a basic bank account

SINGLE CARD GBP

^£0.00

Issue Fee

Monthly Fee £12.50

UK POS £0.00

UK ATM £1.50

FX FEE 2.75%

INTL POS £0.00

INTL ATM £3.00

LOAD Free via Bank Transfer, £1.00 via Post Office

DUAL CARD GBP

^£0.00

Issue Fee

Monthly Fee £17.50

UK POS £0.00

UK ATM £1.50

FX FEE 2.75%

INTL POS £0.00

INTL ATM £3.00

LOAD Free via Bank Transfer, £1.00 via Post Office

The OneBanking Prepaid account is more than just a prepaid card. It comes with additional features which include free text alerts, a sort code and account number. Find out more on the OneBanking website.

Product Snapshot
The Good
The Not so Good
Rating

OneBanking is a basic banking facility that is open to everyone* regardless of credit history. With OneBanking you don't need to worry about them making any credit checks. OneBanking will help you to manage your day to day money so you can keep track of your regular payments and standing orders. You can say goodbye to late or missed payment charges, as if you can't pay an item, you won't be charged for a bounced payment fee and the OneBanking team, will let you know in good time.

They will help to ensure all your bills are paid on time and provide you with a OneBanking Prepaid MasterCard card so you can keep control of your day to day spending.

* OneBanking is only open to persons aged 18 and over. Subject to ID verification. Conditions apply.

Now here's a card design that would look good in my pocket. The OneBanking Prepaid MasterCard is available with an excellent banking facility. This is open to everyone* and there are no credit checks. There is a vast array of options available to reload your card and local currency POS and ATM transactions are absolutely free.

You cannot actually get the OneBanking prepaid MasterCard card without opening a OneBanking Account. There is no account opening fee but there is a monthly account fee of £12.50 for a single card account or £17.50 for a dual card account; peanuts if you wish to benefit from the full range of services offered by the banking facility and the prepaid card but expensive if you are looking for a prepaid card only solution.

OneBanking Prepaid Card
Reviewed by Prepaid365 on 1st September, 2009.
More than just a prepaid card
The OneBanking Prepaid account comes with free text alerts, a sort code and account number and all the facility you would want from a basic bank account..
Rating: 3.5

Application Process

You can apply quickly and easily online, or if you prefer, you can apply over the telephone. There are no credit checks, so there is no need to worry about your past credit history affecting your application.

Apply online: Fill in a simple application form online and the OneBanking team will be in touch shortly to help you complete your application
Apply by Phone: Give the OneBanking team a call and they will take you through the application process.

Once you have applied, your welcome pack and prepaid Mastercard card(s) will be sent to you. You can pay into your account at any NatWest branch and even have your salary paid in directly by your employer.

Card Features

Open to everyone*, quick and easy to apply
Avoid bank charges and overdraft fees
Control your account securely online, by text or over the phone

* OneBanking is only open to persons aged 18 and over. Subject to ID verification. Conditions apply.

Card Design

At this stage, only one card design is available but it is an extremely attractive piece of plastic for your wallet.

Card Fees

The OneBanking Prepaid Account is available as a single cardholder account or a dual cardholder account and the tariffs only vary with respect to the monthly fee.

Card Issue Fee: £0.00
Monthly Fee: £12.50/£17.50 (Single/Dual Card Account)
Transaction Fee UK: £0.00
ATM Withdrawal Fee UK: £1.50
Reload Fee: Free via Bank Transfer, £1.00 via Post Office

Account Management

You can service your account on the OneBanking website. You can use this to manage your prepaid card account and move money between your cards. You can also view your balance, recent transactions and change your personal details. You can also have a one-to-one conversation with your account manager over the Telephone.

Using broad

Using your OneBanking prepaid Mastercard abroad is quite easy. A POS transaction abroad is free (a FX fee is charged) but an ATM withdrawal will cost you £3.00. Furthermore, if you use your card in a non-GBP region, you will incur a 2.75% foreign exchange (FX) fee.

Reload Options

Funds can be loaded on to your OneBanking prepaid Mastercard in a couple of ways:

Using Post Office: £1.00
Bank Transfer or Cheque: Free

Customer Services

There are a number of ways you can get in touch with the OneBanking Customer Services team.

By Email: Visit “Contact Us” section on the website
By Telephone : 0845 677 8887
Lost and Stolen Cards: 0845 677 8887
By Post – Spectrum Card Services Limited, Alford House, Bell Meadow Business Park, Pulford, CH4 9EP

Complaints Procedure

If you are unhappy in any way with your OneBanking Account or OneBanking Prepaid Mastercard card, you should get in touch with the OneBanking team using any of the methods described in the Customer Service section.

Upon receipt of your complaint, if they are unable to sort it out quickly, they will send you a prompt written acknowledgement to confirm that they are dealing with it. As well as keeping you updated during the resolution process, they will send you their final response within eight weeks (or explain why we are not in a position to make a final response).

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 OneBanking Facility with the OneBanking prepaid Mastercard is an excellent initiative which has been launched recently. All we can say is “Watch this space!”

Overall Card Ratings

Definitely more than just a prepaid card – an excellent innovation and a wonderful initiative!

Start banking on OneBanking Prepaid Now

OneBanking Prepaid Card Review was last modified: May 25th, 2015 by Prepaid365

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What OneBanking Cardholders say...

“
I congratulate you for the excellent service that you have provided me.
Nicola S., Italy
“
Many thanks for that. Excellent customer service!
Sean B., UK
“
It was really super. We used them in taxis, hotels, shops, airports. Really convenient.
Malachy O., Ireland
“
I found out about ukash through the money saving expert websitevand it is truly great for when travelling in Europe. I got the euro pre-paid travel mastercard, which you get for free and no charge for delivery. It says on the website 5-7 days for delivery and I got mine in 5 days exactly. So simple to register the card and you get the PIN immediately via text, so you can use straight away. You use it just like you would your own card but no charges for using abroad and was by far the best rate I could find when I was topping it up with euros. Easy to top up and view your balance using an online account and secure as anytime an important transaction was made you get an email. Couldn't recommend this any more!!
Emma
“
I decided to get a Ukash card as my son was off to the USA on a school trip and I didn't want him taking money or travellers' cheques. It tuned out to be a great decision as he lost cash but fortunately not the card so he still had a good time.
Richard
“
Having read the positive reviews about the Ukash Travel Money Card, I decided to give it a go and I am now very happy I did. The exchange rates are fantastic and good value for money. The website was very simple to use and I got my card within 5 days. I will tell all my family and friends about Ukash.
Joy
“
Not usually one to leave reviews, however this product was really useful. Used it to exchange some Euros for a short trip and was cheaper than the airport. Also didnt incur any charges while out there.
Ben Gough
“
Trouble free, decent telephone support. Have used the card without problems.
James Cummins
“
Been using them for some time now and I've been pretty happy with the transaction process thus far. Some ecommerce store only accept them instead of Paypal especially stores from the Asia region. Verification can take some time but since it's for our own protection, I guess it's acceptable.
James Darronte
“
Have been using for a month to pay online stores that do not accept paypal. Fairly good security/verification processes leave me feeling confident my finances are secure.
Mark Hewetson
“
So far it was the best and easiest way for me to make online transactions and payments. I ditched paypal and alertpay, cause there were too much hustle and online policies, which ruined online shopping, at least for me.
Bosica
“
I've used the T24 BlackCard for about two years now, and I recommend it to friends and clients whenever I can. It's easy to use and they've got extremely forthcoming and personal service. My firm has chosen to implement the card as part of our partner packages as the obvious way of managing our payrolls and travel expenses.
Michael Philips
“
My experience using T24 BlackCard could not be better. It is secure, worldwide accepted and high available. But what is exceptional is the support provided by the T24 Black Card Team. I feel myself a premium customer. I recommend it.
Christoph Schulz
“
I chose Pockit because it is easy and safe to use both online and in-store, since you can only spend what is available on the card you can really manage your money. The cashback offers are an additional benefit!
Maurice, Kilmarnock
“
We use the Pockit Prepaid Card for all our household expenses as it is easy to keep track of what is being spent. We try and use it at participating retailers as much as possible so we save on a weekly basis
Vaneesha, London
“
The card works great, I’ve mainly been using it for the cashback deals, I buy as much as I can from M&S instead of other places. I have found it so easy to setup and use. I remind myself of where I can save by looking on the website every so often
Meheen, London
“
Just wanted to say what a fab idea this is, I can now have the convenience of using a card when I have funds – it’s brilliant. Thank you.
Janice, Worcester
“
I really like my Pockit card, it rewards me for doing my shopping at places like M&S and Halfords
Sue, Chichester
“
Great features, looks and feels great to use compared to most banking apps
Brian Crook
“
Easy to use. Easy to transfer funds from my bank to the card. Notifications are good. All round good app. Thanks.
Adrian Stainton
“
Really quick to use - I can load my card in the queue for train tickets!! It makes keeping track of my spending dead simple.
Anon
“
Downloaded the app, added a card and loaded money all in one breath... no hassle. Even logged in online to make sure everything was ok... and it was! As a frequent Orange Cash user this app is PERFECT.
Marie Davis
“
Being an Orange card heavy user this app is a god send! Very simple and easy to use...immediate money upload too. Just what this excellent card needed to compliment it.
Peter Butterworth
“
So far so good! Easy to access my account on line, or check the balance at the ATM ecept the nearest local one which is visa and link only! Able to add standing orders to companies at my convienience, make transferrs or use the card as a debit card. Follow up has also been good with a couple of calls to make sure I'm happy with the service and am able to gain access without problems. Much more helpful than my previous TSB bank who I'd been with from childhood....I'm now 55. I've never done internet Banking til I started with Clearcash... They made the transition so easy.
Anon
“
I have had troubles in getting a bank in the high street, and going through troubles with my debt i was left in disarray with my finances! i found that no high street would touch me with my awful credit rating.. yet when i stumbled upon Clearcash i found it was the thing i was waiting sooo long for! they gave me instant approval and no credit checks, i now have my very little salary paid in (lol) and have child benefits etc put in.. very happy with all at clearcash! best thing is they have an account called Pay monthly, this is helping my credit rating get boosted :) yaaay! 10/10
Joethedon1958
“
I have had a ClearCash card for a few years now and recently received an email saying they are changing the service. They are now utilising Cashplus who are quite a large outfit but the card is still ClearCash. Simple process to transfer and ClearCash call centre there to help. Cashplus customer service wasnt as good - but answered my queries. Got lots of confidence with ClearCash, unlike others, they listen to your feedback! Now got my own account number and sort code which is really helpful too!
Gregor123
“
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