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Author: Bruno Bentos

  • Cashless made effortless with the FairFX Sterling Everywhere Prepaid Card

    Cashless made effortless with the FairFX Sterling Everywhere Prepaid Card

    Managing personal expenses can be challenging, especially when you want to stick to a budget and still enjoy the flexibility of card payments. That’s where the FairFX Sterling Everywhere Prepaid Card comes into play, offering a practical and efficient solution for individuals who value control and convenience.

    With features like cashback rewards, multi-currency transactions, and easy online account management, this card is quickly becoming a favorite for people who prefer a no-frills yet powerful way to manage everyday spending, both in the UK and abroad.

    Key information about the credit card

    How does the annual fee work?

    One of the most appealing aspects of the FairFX Sterling Everywhere Prepaid Card is that it comes with no annual fee. This can be a game-changer for individuals who are tired of paying recurring charges just for holding a card.

    How is the credit limit determined?

    Unlike conventional credit cards that rely on a credit check and financial background to establish a limit, the FairFX Sterling Everywhere Card works on a prepaid model. This means you set your own limit by topping up the card with your own funds.

    Advantages of the credit card

    • Cashback rewards: Earn up to 3.5% cashback when shopping in-store or online at major UK high street retailers. This perk adds real value to everyday purchases and helps you save while you spend.
    • Multi-currency use: Use the card abroad in any of the 21 supported currencies without incurring additional conversion fees. This makes it an ideal travel companion for international trips.
    • No monthly management fee: You won’t be charged a monthly fee just for having the card, making it perfect for both frequent users and occasional spenders.
    • Convenient mobile payments: FairFX cards can be connected to your smart devices, allowing you to make quick and secure contactless payments. This feature is exclusive to customers with a ‘Standard’ account.
    • No international payment fees: Sending money internationally is completely free with FairFX, which is a rare find in the world of payment solutions.

    Standout advantage

    The cashback feature of up to 3.5% is definitely what sets this card apart from others in its category. Unlike most prepaid cards that offer minimal to no rewards, FairFX offers an incentive for regular use, whether online or in physical stores.

    Disadvantages

    • ATM withdrawal fees: There’s a £1.00 charge for both UK and international ATM withdrawals, which can add up if you rely heavily on cash.
    • Currency fees for unsupported currencies: Using the card in currencies outside the 21 supported ones will incur a 2.25% fee, which may affect travelers venturing into less common destinations.
    • Cash withdrawal over the counter: Withdrawing money over the counter includes a fixed £2.00 fee plus 3.75% of the amount, making this option less cost-effective.
    • No FSCS coverage: Although safeguarded, the money is not protected under the Financial Services Compensation Scheme (FSCS), which some users might find concerning.
    • Limited customer service hours: Live support is only available during UK business hours (Mon-Fri, 09:00-17:00), which might be inconvenient in emergency situations outside that window.

    A standout disadvantage

    The over-the-counter cash withdrawal fee stands out as a significant downside. Not only do you pay a flat £2.00, but there’s also a 3.75% fee on the transaction value, making this feature quite expensive.

    Who can apply for this card?

    The FairFX Sterling Everywhere Prepaid Card is accessible and inclusive, making it ideal for a broad range of users. You must be at least 18 years old and reside in the United Kingdom to apply. Since it’s a prepaid card, there are no credit checks, which means approval is easy and fast, regardless of your credit score.

    It’s also suitable for individuals who are self-employed, unemployed, students, or have had credit issues in the past, as there’s no requirement for a minimum income or proof of financial stability. As long as you can fund the card, you’re eligible to use it.

    How to apply for the FairFX Sterling Everywhere Prepaid Card

    For the website

    Applying for the card via the FairFX website is straightforward and takes just a few minutes. Start by heading to the official site and selecting “Get Started” under the personal card section. You’ll be prompted to create an account by entering your personal details such as name, email, date of birth, and address.

    After verifying your email, you’ll be asked to choose the type of account and card you want. The platform will guide you through loading your card with funds, which can be done via bank transfer or debit card.

    Once the payment is confirmed, your physical card will be dispatched to your address. No paperwork or credit checks are required, which means approval is nearly instant, and you can start using your virtual card while you wait for the physical one.

    Through the app

    FairFX also offers a mobile app available on both the App Store and Google Play. The application process through the app mirrors the website experience but provides added convenience. Once the app is downloaded, open it and register for a personal account.

    The interface will prompt you to fill in necessary personal and contact information. From there, you’ll be able to verify your account, select your preferred card type, and load funds directly within the app.

    The app also allows you to monitor your transactions, reload your card, and even freeze or unfreeze it instantly if needed. Using the app to apply is ideal for those who want to manage everything from their smartphone with a smooth, responsive interface.

    At the branch

    Currently, FairFX does not support card applications through physical branches or stores. The entire process is designed to be digital, which enhances convenience and speeds up approval. This also ensures that all your documentation, funds, and communication are handled within a secure online environment.

    While the lack of in-person service may be a drawback for those who prefer face-to-face interaction, the digital approach allows users to apply from the comfort of home. Moreover, the platform’s intuitive design and helpful guides make it easy to complete your application without needing assistance.

    Request your FairFX Sterling Everywhere Prepaid Card now!
  • One card, endless possibilities: The Monese Virtual Card experience

    One card, endless possibilities: The Monese Virtual Card experience

    In a world where everything is becoming more digital, the way we handle our money is no exception. The Monese virtual card is a modern solution that offers convenience, security, and global usability for everyday spending.

    Whether you’re shopping online, managing your budget, or traveling abroad, this prepaid virtual card offers you total control without the need for a physical wallet. It’s a versatile financial tool that adapts to your lifestyle without the traditional limitations of credit.

    Key information about the credit card

    How does the annual fee work?

    One of the most attractive features of the Monese virtual card is its annual fee—or more precisely, the absence of it. In a time when many cards charge hefty fees just for existing, Monese goes the opposite direction. They give users access to a virtual prepaid Mastercard without charging any annual fee.

    How is the credit limit determined?

    Unlike traditional credit cards that evaluate your credit score, income level, and financial behavior to set a spending limit, the Monese virtual card operates on a prepaid basis. That means you can only spend the money you deposit into your account, giving you full control over your spending.

    Advantages of the credit card

    • No annual fees: The Monese virtual card comes without annual fees, making it an excellent low-cost option for those who don’t want to worry about hidden charges or subscriptions.
    • Instant issuance: As soon as you open a Monese account and verify your identity, you receive your virtual card instantly within the app. There’s no need to wait for a physical card to start using your money.
    • Secure online payments: Because it’s stored in your app and not your wallet, the virtual card is safer from physical theft. It adds a layer of security, especially when shopping online or using it for subscriptions.
    • Easy freezing and unfreezing: Lost your phone or suspicious of a transaction? You can lock or unlock your card anytime in the Monese app, giving you peace of mind and real-time protection.
    • Compatible with Apple Pay and Google Pay: Add your Monese virtual card to your mobile wallet and pay effortlessly with your smartphone. This feature makes the card perfect for contactless payments without even taking your wallet out.
    • PayPal integration: You can easily link your virtual card to your PayPal wallet, ensuring faster and safer online checkouts with a well-known payment platform.

    Standout advantage

    The highlight of the Monese virtual card is its immediate availability and full digital integration. You don’t have to wait days for delivery or go through long credit checks. As soon as your Monese account is verified, you can access and use your virtual card within seconds.

    Disadvantages

    • No credit-building opportunity: Because it’s a prepaid card, the Monese virtual card doesn’t help build or improve your credit score, which could be a disadvantage for those looking to establish financial history.
    • Limited to your balance: You can’t spend more than you have in your Monese account, which, while useful for budgeting, may not be ideal in emergency situations where credit would be helpful.
    • Not accepted everywhere: Although it’s a Mastercard, some merchants or services may require a physical card or may not accept prepaid cards, which can occasionally limit your options.
    • No cashback or rewards: The Monese virtual card does not come with a cashback program, rewards points, or travel perks that are commonly found in many traditional credit cards.

    A standout disadvantage

    While the Monese virtual card provides excellent security and control, it lacks the potential to help users improve their credit scores. For people who want to establish a credit history, especially newcomers in the UK or Europe, this could be a serious drawback.

    Who can apply for this card?

    To apply for the Monese virtual card, you need to be at least 18 years old and reside in a country where Monese services are available, such as the UK or European Economic Area (EEA).

    There is no requirement for a credit check, making it ideal for people with no credit history, bad credit, or those who are simply looking for a reliable prepaid solution. You’ll need a valid ID and a smartphone to download the Monese app.

    There’s no minimum income requirement, and the application is open to students, freelancers, and foreign nationals. Approval is generally very quick, as long as identity verification passes.

    How to apply for the Monese Virtual Card

    For the website

    Although Monese promotes a mobile-first experience, you can start the application process from their website. When you visit the official Monese website, you’ll find a “Sign up” button on the homepage. Clicking it leads you to a short form requesting your phone number.

    Once you submit it, you’ll receive a link via SMS to download the Monese app. The website itself doesn’t complete the signup process but serves as a gateway to direct users toward the app, which is the main platform for account management.

    Through the app

    The easiest and fastest way to get your Monese virtual card is through the official Monese mobile app. Available for iOS and Android, the app lets you open your account, verify your identity, and receive your virtual card all in one place.

    After downloading, you’ll be asked to provide basic personal details such as your name, date of birth, and address. The app will then request a photo ID and a selfie for identity verification. Once approved, your account becomes active, and your virtual card appears within the app almost instantly.

    From there, you can add money to your account using various supported methods and begin using your virtual card for online purchases or mobile payments. The process is designed to be seamless, fast, and accessible—even if you’ve never opened a bank account before.

    At the branch

    Monese operates as a fully digital banking service, which means it doesn’t have physical branches or stores. This is part of what makes it convenient and affordable. You don’t need to book an appointment, stand in line, or bring documents to a physical office.

    Everything is handled online. If you prefer physical interaction or aren’t comfortable with technology, this might feel limiting. However, the app provides customer support and multilingual assistance to help guide you through the process.

    Request your Monese Virtual Card now!
  • Card One Money: Financial freedom with simplicity and control

    Card One Money: Financial freedom with simplicity and control

    In a world where financial services often seem to cater only to a privileged few, Card One Money presents a refreshing alternative. Its mission is simple: to provide accessible banking without long applications or unnecessary barriers.

    Whether you’re self-employed, have struggled with credit in the past, or just want a straightforward way to manage your money, Card One Money offers a current account and prepaid card solution designed to meet your needs.

    Key information about the credit card

    How does the annual fee work?

    One of the most important factors when choosing a financial product is understanding the cost — and Card One Money makes it very clear. Instead of offering a “free” account with hidden fees, this service charges a fixed monthly fee of £12.50.

    How is the credit limit determined?

    Because Card One Money uses a prepaid model, there is no credit limit assigned by the company. Instead, the customer decides their own spending capacity by depositing funds into the account. This means no applications are assessed for risk, and no borrowing is involved.

    Advantages of the credit card

    • No credit checks required: Card One Money offers a straightforward way to open an account and access a Mastercard® without undergoing a credit check. This is ideal for those with limited or damaged credit histories.
    • Instant account setup: Most applicants can get their account and card set up within minutes. In many cases, the physical card arrives within 24 hours, offering speed and convenience.
    • 24/7 account access: Manage your account any time, from anywhere, using the online platform or mobile app. This includes features like Two-Factor Authentication for enhanced security and the ability to block your card immediately if lost.
    • Cashback rewards: Earn up to 3.5% cashback at popular UK retailers. It’s a great way to get more out of your everyday purchases without doing anything extra.
    • Second card option: You can order an additional card linked to your account with a fixed spending allowance — perfect for partners or teenagers (minimum age 13), offering flexibility and control.

    Standout advantage

    The most significant advantage of Card One Money is its inclusivity. By eliminating credit checks and simplifying the application process, it opens financial doors for those often overlooked by traditional banks.

    Disadvantages

    • Monthly fee: At £12.50 per month, this account may not be suitable for those seeking a completely free service.
    • Limited ATM withdrawals: While UK card use is free, ATM withdrawals incur a fixed fee of £1.50 per transaction, which can add up over time.
    • Not FSCS protected: The current account is not covered by the Financial Services Compensation Scheme, which may concern some users.
    • No interest on balances: Since it’s a prepaid account, it does not offer interest on the money stored in the account.
    • Cashback limitations: Cashback is available only at selected retailers, which may limit its usefulness depending on your shopping habits.

    A standout disadvantage

    The most notable downside is the lack of FSCS protection. While Card One Money is regulated by the Financial Conduct Authority and follows strict security protocols, the fact that your funds are not protected under the Financial Services Compensation Scheme could be a dealbreaker for some.

    Who can apply for this card?

    To apply for a Card One Money account, the applicant must be at least 18 years old and a UK resident. There is no requirement for a minimum income or credit score, making the card highly accessible for people with various financial backgrounds.

    Applicants must provide valid identification and proof of address during the application process. It’s also a viable option for people who are self-employed, on benefits, or have been denied traditional banking services.

    While the card is inclusive, it still requires identity verification to comply with regulations, so having the necessary documentation ready is important.

    How to apply for the Card One Money Card

    For the website

    Applying for a Card One Money account through the official website is a quick and intuitive process. Start by visiting the Card One Money homepage and selecting the “Open an account” option.

    You’ll be guided through a straightforward application that asks for your name, address, date of birth, and a few details to verify your identity and residency. There’s no credit check required, which speeds up approval time dramatically.

    Most applicants are approved within minutes, and once you’re verified, your account is created instantly. A prepaid Mastercard® is then sent to your registered address and typically arrives within 24 to 48 hours. This makes the process ideal for anyone needing a fast and reliable banking solution.

    Through the app

    For those who prefer managing their finances on the go, Card One Money provides a dedicated mobile app available on both the App Store and Google Play. The application process through the app mirrors the website and requires similar identification documents.

    Once the app is downloaded and installed, you simply tap “Open an account,” and follow the on-screen prompts to provide your personal information and proof of address. The app uses Two-Factor Authentication to keep your data secure, and all uploads are encrypted.

    After successful verification, your account is activated immediately, and you gain instant access to digital banking tools. You’ll receive your physical card shortly after, completing the transition to a fully functional personal account.

    At the branch

    Card One Money operates primarily online and does not have a network of physical branches like traditional banks. This means there is no in-person application process available. All account applications must be completed digitally, either via the website or mobile app.

    However, customer support is based in the UK and available to assist with any part of the process by phone or email. If you’re uncomfortable with online applications or need guidance, the support team is known for its friendliness and efficiency — as highlighted by numerous five-star reviews.

    While the absence of physical branches might be seen as a limitation, the digital-first approach allows Card One Money to offer faster services and greater flexibility at a fixed cost, making it ideal for those comfortable with online banking.

    Request your Card One Money Card now!
  • Discover the digital ease of the iCard Visa Debit Account

    Discover the digital ease of the iCard Visa Debit Account

    Managing your money in a digital world demands more than just a typical card. With the iCard Visa Debit Account, you gain access to a modern financial experience tailored to fit your everyday needs—whether at home or traveling around the world.

    More than just a card, iCard acts as your all-in-one digital wallet. It combines contactless convenience, flexible spending options, and full transparency—all while eliminating the monthly fees you usually expect.

    Key information about the credit card

    How does the annual fee work?

    One of the most attractive aspects of the iCard Visa Debit Account is its cost transparency. Many financial institutions charge ongoing fees for maintaining a debit card, but iCard has taken a different approach—offering the card for 0.00 EUR/month.

    How is the credit limit determined?

    Since the iCard Visa is a debit card, there is no pre-assigned or institution-controlled credit limit. Instead, your spending power is based entirely on the available funds in your iCard Digital Wallet. This gives you total control and eliminates the worry of overspending or dealing with interest charges.

    Advantages of the credit card

    • Mobile wallet integration: With iCard, your Visa debit card can be added to Apple Pay and Google Pay. This allows you to pay seamlessly with your smartphone or smartwatch, eliminating the need to carry physical cards for everyday purchases.
    • Multi-currency flexibility: The iCard Visa Debit supports multiple currencies including EUR, USD, GBP, BGN, RON, and CHF. You can link each card to a different currency and avoid excessive conversion fees when traveling or shopping online internationally.
    • Zero monthly fees: Forget about ongoing charges. The card comes with no monthly or annual service fees, making it one of the most cost-effective financial tools available today.
    • Worldwide usability: Withdraw cash from ATMs around the globe, pay online, or use it in physical stores. The card supports contactless payments and works wherever Visa is accepted.
    • Real-time control and security: Freeze, unfreeze, or delete your card from within the app instantly. Set custom limits and receive instant transaction notifications, giving you transparency and peace of mind.

    Standout advantage

    The real game-changer with iCard Visa Debit is the multi-currency support tied to individual cards. Being able to order several debit cards, each linked to a specific currency, means you can travel smarter and budget better.

    This flexibility dramatically reduces exchange rate costs and gives you granular control over your international expenses, which is a rare benefit among competitors.

    Disadvantages

    • Limited to iCard ecosystem: The card is tied to the iCard Digital Wallet, so you must manage your funds and activities through their platform. This might be inconvenient for users accustomed to traditional bank accounts.
    • Express delivery has a fee: While standard shipping is free, express courier service comes at a cost of 10.00 EUR, which might not appeal to users who need a card urgently.
    • Card limit depends on wallet balance: Since it’s a debit card, you can’t spend more than what’s in your account. For some, the lack of a credit option might be a downside when facing emergencies or larger expenses.

    A standout disadvantage

    Because the iCard Visa Debit is dependent on the iCard Digital Wallet, your financial flexibility is somewhat restricted to this system.

    That means no linking to external bank accounts for auto-top-ups, no direct salary deposits from other institutions, and no access to third-party banking tools. For users seeking a complete banking replacement, this ecosystem lock-in might feel limiting.

    Who can apply for this card?

    Applying for the iCard Visa Debit is relatively straightforward. First, you must be at least 18 years old and reside in an eligible European country. A government-issued ID is required to verify your identity, and you must register for a Standard plan account via the app.

    There’s no minimum income requirement, and since this is not a credit product, your credit score is not evaluated—making it an accessible option for almost everyone, including those with poor or no credit history.

    However, the card is not currently available for individuals outside of Europe or those without valid personal identification for compliance checks.

    How to apply for the iCard Visa Debit Card

    For the website

    Although iCard heavily focuses on its mobile app for most operations, you can start the registration process via the official iCard website. Navigate to the “Personal” section and choose “Debit Cards” from the menu.

    You’ll be directed to sign up for an account by entering your email and setting a secure password. After confirming your email address, you’ll be prompted to download the iCard app to complete the identity verification process and request your card.

    While the desktop experience gives you an overview of services, all significant actions—like ordering your card or loading funds—must be done via the app for security reasons.

    Through the app

    Applying through the iCard app is the fastest and most efficient way. First, download the app from the App Store or Google Play. Upon opening it, you’ll create a new account using your personal information.

    You’ll need to provide a valid ID (passport or national ID card) and possibly a selfie for identity verification. Once verified, your account is upgraded to a Standard plan at no cost, and you can immediately order your first Visa debit card for free.

    The app guides you through delivery preferences, allowing you to choose between free postal shipping or express courier delivery for a small fee. You can monitor your card status and activate it once it arrives—all within the app’s intuitive dashboard.

    At the branch

    iCard does not operate physical bank branches, so the card cannot be requested in person. The entire application process is digital, aligning with the company’s mission to deliver modern, mobile-first financial solutions.

    By removing the need for branch visits, iCard ensures accessibility to users across Europe, regardless of location. Whether you’re in a major city or a rural area, the app enables anyone to receive a fully functional Visa debit card without ever stepping foot into a bank.

    Request your iCard Visa Debit Card now!
  • Halifax Cashback Credit Card: Earn while you spend with simplicity and convenience

    Halifax Cashback Credit Card: Earn while you spend with simplicity and convenience

    Getting something back every time you shop is a great feeling. Whether it’s a small coffee or your monthly grocery haul, the Halifax Cashback Credit Card offers a way to turn your routine spending into real rewards.

    If you’re on the hunt for a no-frills credit card that helps you save a little extra every month without charging you fees just for holding it, this might be the right option. It’s an everyday card with a rewarding twist – and it’s backed by Halifax’s strong digital services and fraud protection.

    Key information about the credit card

    How does the annual fee work?

    The Halifax Cashback Credit Card charges no annual fee at all, which is one of its most appealing features. While some cards entice users with flashy rewards only to claw back value through yearly charges, this card keeps things simple.

    How is the credit limit determined?

    Halifax sets your credit limit based on a personal assessment of your financial circumstances. They take into account a range of factors, including your income, current debts, credit score, and repayment history.

    Advantages of the credit card

    • 0.25% cashback on all purchases: Every time you make a purchase using your Halifax Cashback Credit Card, you earn 0.25% back.
    • No annual fee: Many cashback cards come with a yearly charge, but this one keeps things free and easy. There’s no need to spend a minimum amount just to break even.
    • Cashback Extras with Halifax bank accounts: If you also have a Halifax current account and use online banking, you can register for Cashback Extras.
    • Digital and contactless convenience: Managing your card online or through the mobile app is a breeze. You can view transactions, set up payments, and get paper-free statements.
    • Strong fraud protection: With Halifax’s fraud protection promise, you won’t be held liable for unauthorized transactions if you report them promptly. This adds a layer of peace of mind, especially when shopping online or on the go.

    Standout advantage

    The standout feature of the Halifax Cashback Credit Card is the Cashback Extras program. Unlike the base 0.25% cashback that applies to all purchases, this program offers high-percentage rewards — up to 15% — when shopping with select retailers.

    Disadvantages

    • Low base cashback rate: While 0.25% cashback is better than nothing, it’s on the lower end compared to some other cards on the market. Heavy spenders might find more value with cards that offer higher flat rates or tiered rewards.
    • Cashback is applied annually: Rather than receiving your rewards monthly, the cashback accumulates and is applied just once a year in January. This delayed gratification can be a drawback for those who prefer to see rewards more frequently.
    • Not suitable for carrying a balance: With a representative APR of 22.9% (variable), this card isn’t ideal if you plan to carry a balance month to month. Interest charges could quickly cancel out any rewards you earn.
    • No intro bonus or promotional rate: Unlike some competitors, there’s no sign-up bonus or 0% introductory period for purchases or balance transfers. What you see is what you get — steady cashback, but no frills.
    • Limited to UK residents only: The card is only available to UK residents, so international applicants are not eligible.

    A standout disadvantage

    One key downside is that cashback is only credited once a year, every January. This means cardholders have to wait months to actually see the benefit of their spending. If you’re hoping for monthly or quarterly cashback payouts, this annual schedule might feel limiting.

    Who can apply for this card?

    To be eligible for the Halifax Cashback Credit Card, you must be a UK resident aged 18 or older. Your application is subject to a credit check, which considers your credit score, employment status, income and financial commitments.

    While there is no specified income threshold, your financial situation must meet Halifax’s lending criteria. A good credit history increases your chances of approval, though each case is assessed individually.

    How to apply for the Halifax Cashback Credit Card

    For the website

    Applying for the Halifax Cashback Credit Card through the official website is a smooth and user-friendly experience. You begin by visiting the Halifax credit card section online and selecting the Cashback Credit Card option.

    Before committing, you can use the eligibility checker to see your chances of approval without impacting your credit score. This is a useful tool that helps you avoid unnecessary credit applications if you’re not likely to be accepted.

    If you proceed, you’ll be asked to fill in an application form with details about your income, employment, address history, and other financial commitments. Once submitted, you may receive a decision in minutes, although in some cases, further review may be required.

    Through the app

    Halifax also offers the option to apply for a credit card using its mobile banking app, which is available for iOS and Android. To access the credit card application feature, you must be a registered online banking user with an active personal account.

    Once logged in, navigate to the credit card section, where you’ll find the Cashback Credit Card among the available options. Using the app has several advantages, including autofill features for your personal details and in-app notifications regarding your application status.

    You can track progress, receive approval notifications, and even manage your new card entirely from your phone once it’s activated. The app also allows you to set up direct debits, check your cashback balance, and receive alerts on eligible cashback offers through the Cashback Extras program.

    At the branch

    If you’re more comfortable applying in person, Halifax branches provide full support for credit card applications, including the Cashback Credit Card. Visit your local branch with your identification, proof of income, and proof of address.

    A banking advisor will walk you through the application form and help you understand all the terms and conditions. They’ll explain how cashback works, how payments are handled, and answer any specific questions you may have.

    Your application will still go through the same approval process, but you’ll benefit from face-to-face guidance. Once approved, your card will be mailed to your home, and you can return to the branch for activation if needed.

    Request your Halifax Cashback Credit Card now!
  • Activo Bank International Pre-paid Card: Travel smart with zero borders

    Activo Bank International Pre-paid Card: Travel smart with zero borders

    When you’re heading outside of Portugal, your financial toolkit needs to be reliable, flexible, and low-cost. That’s where the Activo Bank International Pre-paid Card steps in. Designed specifically for international use, this prepaid solution brings you closer to total budget control—without surprises.

    Whether you’re a digital nomad, a student abroad, or just someone who wants to avoid hefty foreign transaction fees, this card delivers a blend of convenience, security, and affordability. Let’s dive into everything you need to know before choosing it as your travel companion.

    Key information about the credit card

    How does the annual fee work?

    Unlike many credit cards that waive annual fees in exchange for higher transaction costs abroad, the Activo Bank International Pre-paid Card follows a different approach. It charges a small annual provision fee of €15, plus a stamp duty, making it one of the more budget-friendly options for international use.

    There is no monthly fee, and the card does not impose hidden charges for inactivity or low usage. This flat-rate model works particularly well for those who want to plan ahead and travel without worrying about fluctuating charges.

    How is the credit limit determined?

    Since this is a prepaid card, it operates entirely differently from traditional or even secured credit cards. Instead of being assigned a credit limit by the bank based on your credit score or income, the Activo Bank International Pre-paid Card leaves the control in your hands.

    This gives users complete freedom to set their own budget, making it perfect for those who want to avoid overspending. Since there’s no borrowing involved, there’s also no need for credit approval or debt accumulation.

    Advantages of the credit card

    • No foreign transaction fees: The biggest appeal of this card lies in its exemption from foreign transaction fees when used within the EU, EEA, and other covered countries. That means your purchases abroad won’t come with extra costs, making it ideal for travelers.
    • Digital access while you wait: Once approved, you don’t have to wait for the physical card to arrive. The digital version is instantly available via the ActivoBank App, letting you use the card through MB WAY or digital wallets immediately.
    • Freedom to top-up anytime: There’s no mandatory top-up schedule or fixed amount. You choose when and how much to deposit, starting at €5, directly via the website or app.
    • Full expense control in the app: Monitor transactions, load funds, enable or disable international usage, and manage card settings all through the intuitive mobile application.
    • 3D Secure for safer shopping: Your online purchases are protected by the 3D Secure protocol. You’ll receive notifications to validate transactions, ensuring only you can approve online spending.

    Standout advantage

    The ability to avoid foreign transaction fees in covered countries is the card’s most valuable feature. Many banks charge between 2% to 3% per international transaction, which adds up quickly during a trip.

    Disadvantages

    • Withdrawal fees outside euro zone: Although transactions in euros are fee-free in designated countries, cash withdrawals in non-euro currencies cost €5 per withdrawal, which can add up.
    • No cashback or rewards program: Unlike some prepaid or debit cards, this card doesn’t offer cashback or points for your purchases.
    • Annual fee applies: Although it’s low, there’s still a €15 annual fee, which might be a deal-breaker for infrequent travelers.

    A standout disadvantage

    The biggest downside is the €5 fee for every withdrawal made outside the euro currency. While card purchases remain free in covered areas, travelers heading to destinations outside the eurozone may find this cost restrictive.

    Who can apply for this card?

    To apply for the Activo Bank International Pre-paid Card, you must have an active account with ActivoBank. The applicant needs to be at least 18 years old and possess valid identification.

    Unlike credit cards, this one doesn’t require a credit score evaluation, which makes it an accessible option even for those with a limited or poor credit history. There’s no minimum income requirement, and no proof of income is necessary since the card is prepaid.

    However, the applicant must reside in Portugal or hold a residence permit, as the card is tied to the ActivoBank account ecosystem. While it’s easier to be approved compared to a traditional credit card, you must provide personal details, verify your identity, and accept the general terms of the bank.

    How to apply for the Activo Bank International Pre-paid Card

    For the website

    If you prefer to handle your financial matters from your desktop or laptop, applying for the card through the ActivoBank website is a straightforward and user-friendly process. First, visit the official ActivoBank page and log into your account.

    If you’re not yet a customer, you’ll need to open a checking account, which can also be done online. Once logged in, head to the “Cards” section and select the “International Pre-paid Card.”

    From there, you’ll be guided through the application form, where you’ll confirm your personal details and accept the terms and conditions. Once completed, you’ll receive a confirmation email, and shortly after, your digital card will be available.

    Through the app

    Applying via the ActivoBank app is arguably the most convenient method, especially for those already managing their finances on mobile. After downloading the app and logging into your account, go to the “Cards” menu and select “Request New Card.”

    Choose the International Pre-paid Card and proceed with filling in your personal data, reviewing the terms, and confirming your submission. One of the key benefits of using the app is that your card will instantly be issued in digital form upon approval.

    You can immediately add it to MB WAY or a digital wallet like Apple Pay or Google Pay and start making transactions, including online shopping, payments, and transfers. The app also allows real-time tracking of your card status, transactions, and top-up history.

    At the branch

    For those who prefer face-to-face interaction or need extra assistance, visiting an ActivoBank branch is another option. Though ActivoBank primarily operates online, it does maintain physical locations in major cities across Portugal.

    At the branch, a representative will walk you through the card’s benefits, gather your documents, and help you complete the application process. You’ll need to present a valid ID, your Portuguese tax identification number (NIF), and proof of residence.

    The digital version of the card is usually activated on the same day, and your physical card will be delivered to your home within a few days. Visiting a branch can be particularly helpful for first-time customers or those unfamiliar with digital banking tools.

    Request your Activo Bank International Pre-paid Card now!