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How a Virgin Money Prepaid MasterCard works

A Virgin Money Prepaid MasterCard costs just £9.95 to buy. A replacement card or extra cards for your family are just £4.95 each.

You have a choice of two tariffs:

Pay as you go
If you think you will only use your Virgin Money Prepaid MasterCard occasionally, this tariff could be best as there is no monthly fee. You just pay 2.95% for each card transaction and cash machine withdrawal in the UK.

Pay monthly
If you are planning to use your Virgin Money Prepaid MasterCard regularly then this tariff might be more suitable, there is no transaction fee for purchases in the UK. There is a flat monthly fee of £4.75 and a fee of £1.50 for each cash withdrawal in the UK.

How to top up your Virgin Money Prepaid MasterCard

Loading and reloading your Virgin Money Prepaid MasterCard with money is easy - it works just like a phone card top-up.

There are lots of ways to top up, and over 39,000 places in the UK to choose from:

Load your cardApproximate business days it takes for funds to reach your cardCost
At any Post Office®1FREE
By debit card at myvirginmoney.com*2FREE
By direct transfer from your bank account1FREE
By credit card at myvirginmoney.com*22.5%
At any shop or garage where you see the PayPoint logoImmediate2.75%

*Debit or credit cards used to load money onto your Virgin Money Prepaid MasterCard using our online service need to be registered with your bank for 'MasterCard Secure Code' or 'Verified by Visa'.

If we receive the funds on a business day, we will update your balance as soon as the funds are received on the same business day, or within two hours. If we receive the funds on a day that is not a business day, we will update your balance at the start of the next business day.

How we work out your spending limit

When you apply for your Virgin Money Prepaid MasterCard we verify your identity against the information you've given us, so we know it's you. In most cases, this will go through automatically and we'll get a card to you within two weeks.

Please note: a Virgin Money Prepaid MasterCard costs £9.95 to buy and both tariffs are subject to fees and conditions.

This card is issued by PrePay Technologies Ltd pursuant to license by MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Conduct Authority (FRN 900010) for the issuance of electronic money. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.