Secure Trust Bank Prepaid Card Review

Secure Trust Bank provides basic bank account facilities such as Direct Debits with prepaid cards

GBP CARD

^£12.50

Issue Fee

Monthly Fee £12.50

UK POS £0.00

UK ATM £0.50

FX FEE 2.75%

INTL POS £0.00*

INTL ATM £2.25*

LOAD Free via bank transfer and from your Secure Trust Bank prepaid account

*INTL POS & INTL ATM - International POS transactions are free and ATM transactions abroad cost £2.25. In addition to this, there is a 2.75% FX fee for these POS & ATM withdrawals outside the UK.

Interest on a Prepaid card with Secure Trust Bank

Secure Trust Bank are one of the only providers within the prepaid industry that actually pay interest on your prepaid account balance. With 0.5% interest on your balance, direct debit and standing order facilities and cash rewards at leading retailers; this card is a genuine alternative to mainstream banking

Visit the Secure Trust Bank Website to find out more.

Product Snapshot
The Good
The Not so Good
Rating

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 facilities. 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.

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 to boot!

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.

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.

Secure Trust Bank Prepaid Card
Reviewed by Prepaid365 on 1st December, 2010.
The all in one Basic Bank Account!
Secure Trust Bank provides basic bank account facilities such as Direct Debits with prepaid cards.
Rating: 4

Application Process

You can apply for the Secure Trust Bank Prepaid account via the Secure Trust Bank website.

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 Design

Currently limited to just one card design but with a prepaid bank account and direct debit facilities, does it really matter?

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.

Account Management

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 broad

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

Customer Services

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 by writing 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!

Overall Card Ratings

The all in one Basic Bank Account and Prepaid Credit Card facility!

Bank on Prepaid with Secure Trust Bank prepaid cards

Secure Trust Bank Prepaid Card Review was last modified: December 24th, 2014 by Prepaid365

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What Secure Trust Bank 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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