BREAD Cards work just like a "pay-as-you-go" mobile phone. They can be topped up at over 30,000 locations in the UK with cash at any PayPoint location or Post Office Branch. You can even have your employer pay your wages onto the card. See the topping up your prepaid card section of this website for more details. Because the BREAD Card is a prepaid card, this encourages you to only spend what you have loaded on to the card. When you make a purchase with the card, the purchase amount is deducted from the card balance. When you have spent your money, you need to top it up again before you can use it.
You can view your balance and transaction history online 24 hours a day and even receive the current balance via SMS for FREE.


With a BREAD Prepaid MasterCard you can enjoy all the benefits of a MasterCard card with no credit check, no interest payments and no surprises. Your BREAD Card makes it easy to pay for whatever you want. Use it for everyday purchases wherever the MasterCard Acceptance Mark is displayed:

  • Thousands of ATM's across the world

  • Shop on the internet

  • Make flight or train reservations

  • Overseas transactions

  • Buy groceries & petrol

  • Share money with friends and family abroad

  • Top up your mobile phone

For moreinformation about where MasterCard cards are accepted, please click on this link. It's safe

The BREAD prepaid card is a alternative to carrying cash as it is protected by chip & PIN technology . When cash is lost, it is gone forever. However, if your BREAD Card is ever lost or stolen, you can receive a replacement card within days. Nevertheless you should look after your card with the same care as you do your cash, never reveal your PIN to anyone else and immediately tell us if you think that your card is lost or stolen to avoid any loss of the funds on your card.


The BREAD card is ideal for:

  • People who don't want to go over their budget or limit their spending

  • People who don't want to use their credit card for internet purchases

  • Parents wishing to support their children at university in a controlled and budgeted way

  • People who regularly send money to friends or family abroad

  • People with damaged or no credit history

  • Foreign nationals that may have difficulty opening a UK bank account

For people who want to control and budget their spending You set the spending limits by the prepaid amount loaded on your card. You also can log on to the web site to review your spending. Your BREAD Card makes it easy to get your spending under control and shop wisely. For people who want to shop or purchase online The popularity of the Internet makes it difficult to use cash for transactions like booking a flight or train ticket, reserving a cinema seat, and buying products online. The BREAD Card allows you to access all these things in the knowledge that your transactions are safe and secure. For people who regularly share money with friends or family abroad You can use your BREAD Card to share money with people who live abroad. Just order a secondary card, and then post this to your family member or friend. Then you can share your money with them. They will be able to spend using the card or make cash withdrawals from ATMs in their home country. Sharing money within one transaction will cost £1.50, regardless of the amount.* * There is a maximum balance of £3500 and you may not send cards to India for money share due to local regulation. For people with damaged or no credit history Getting a spending card has never been easier than with the Bread Card. Provided you are at least 18 and a UK resident, your approval is 100% guaranteed once you meet the minimum identification requirements. There will be no credit checks or employment verification. You don't even need a bank account! For foreign nationals

Getting a bank account in the UK can be very difficult if you are a foreign national residing or working in the UK. No credit reference is required for a BREAD Card however so providing you can provide proof of ID and address, we can issue you with a card in almost all cases.