Virgin Prepaid MasterCard - Load it with money and use it like a credit card

Virgin Prepaid MasterCard - Load it with money and use it like a credit card

How it works

You buy the Virgin Prepaid MasterCard® Starter Pack for £9.95, and you have a choice of two tariffs:

Pay as you go
If you think you will only use your Prepaid Card 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 Prepaid Card a fair bit, this tariff might be more suitable as 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 it works

How to top up your Prepaid Card

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

There are lots of ways to top up, and over 34,000 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.com2FREE
(Maximum top-up £2,000)
by direct transfer from your bank account4FREE
by credit card at myvirginmoney.com22.5%
(Minimum fee £2, maximum top-up £500)
PayPoint logo
at any shop or garage where you see the PayPoint logo		usually immediate2.75%

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

Please note, for security reasons, it’s not possible to load up a Prepaid Card online using a debit or credit card if we’ve had to set your card at a reduced spending limit. This could be because we’ve been unable to carry out a full ID check to verify your identity. If you top-up a Prepaid card with more than £600 directly from your bank account, we may ask for identification before we load up the Card.

How it works

How we work out your spending limit

When you apply for a Virgin Prepaid MasterCard we verify your identity against the information you’ve given us, so we know it’s you.

If we are not able to completely verify your identity we will give you a 'reduced spending limit' of £1,600 a year - up to £600 of this can be withdrawn from cash machines. A single transaction limit of £600 also applies.

If you would like to increase this limit, you can send us further proof of ID to do so. Please note, there is a £4.95 administration fee which is automatically debited from your Prepaid Card if you choose to do this.

Register now

*Although it's like a credit card, the Prepaid MasterCard doesn't offer the additional card protection on purchases that credit cards offer.

The Virgin Prepaid MasterCard® is issued by Clydesdale Bank PLC 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 Limited, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Limited is a registered service provider of Clydesdale Bank PLC. MasterCard is a registered trademark of MasterCard International Incorporated.