
Be assured that there is no credit check, and there is 100% acceptance guaranteed*. Yes EVERYONE aged 18 years and over can get a card. Additional card holders will need to be aged 13 and over.
*You need to be aged 18 or over and a resident in the UK to apply for an account.
The cheap and easy way to share money with friends and family abroad.
You can use Sterling Pay As You Got Card as a cheap and easy way to share money abroad. You can apply for up to 4 more cards on your account and send these to your family or friends back home. You top-up the account in the UK and they can then access money at any MasterCard® ATM or retail outlet. Remember, your money is safe with your Sterling Card. Each card is Chip and PIN protected.
There is NO MONTHLY FEE FOR ADDITIONAL CARDS: Annual purchase price for additional cards is £4.95 with no additional monthly fee.
You can use each card abroad to obtain local currency through MasterCard® ATMs or to shop in store and online. The Sterling Card can be used at over 28 million locations and over 1 million ATMs worldwide, anywhere that displays the MasterCard® acceptance mark.
You can assign an additional card to a loved one as young as 13 years old, and you have up to 4 additional cards per account. If you have children this could be a great solution for you, as you will always have peace of mind that they have to access to funds and it’s safer than carrying cash. It’s also a great way to pay pocket money and give children an introduction in how to manage their money responsibly.
If you are aged 18 or over and a UK resident then you qualify for a Sterling Card.
Already applied? Want to check the status of your application?
If you have already applied for your Sterling Card online, you can Check the Status of Your Application at any time using our online system, simply enter the application reference number you received in your confirmation email.
You can top-up your pre-paid MasterCard® account by online banking* or by visiting your local Post Office® branch. You can also go online at your convenience and download a Standing Order* or Wages Payment form* – once you have submitted the form, regular payments could be made to your account from another bank account or your employer.
You can top-up your account between £10 and £5,000 per day. Learn more about Topping Up Your Card.
If you already have a Sterling Card then you can join the Members' Area.
When in the Members Area you can do the following:
Fees Summary
| Services | Flexiplus Account (Lower usage) |
Activeplus Account (Higher usage) |
|---|---|---|
| Card Issue Fee (new & replacement) | (£9.95) | (£9.95) |
| Additional Card Issue Fee [3] | (£4.95) | (£4.95) |
| Monthly Fee [1] (per account) | Free | £5.95 per month |
| UK Purchase Transactions | £1.50 | Free |
| Account Maintenance (only applies if Account has no transactions including top-ups for a period of 120 days from date of last transaction) |
Up to £5.95 | Up to £5.95 |
| Top-up by Cash[2] | Free | Free |
| Check Your Balance and Recent Transactions Online | Free | Free |
| ATM Withdrawal UK (Non UK)[2,3] | £1.50 (£3.00) |
£1.50 (£3.00) |
| Cash Withdrawal [2,3] | £3.00 | £3.00 |
| Cancellation (for refund of cash value in the Account) |
£10.00 | £10.00 |
| Foreign Transaction | 2.99% of amount withdrawn or spent | 2.99% of amount withdrawn or spent |
By using our new Creditbuilder option on your Sterling Card, you could help rebuild and improve your credit rating just by using your Sterling Card and continuing to pay your normal monthly fee.
People suffer from a bad credit rating for all sorts of reasons, from being a new immigrant to the UK, being unable to pay household bills to defaulting on a mortgage. When you use Creditbuilder successfully, it can improve your credit rating and improve your chances of being accepted for credit or a loan in the future.
As soon as you are a fully verified Sterling Card customer, you are eligible to join Creditbuilder.
How it Works
For whatever reason you'd like to improve your credit rating, our Creditbuilder can help.
The Creditbuilder loan is provided by APS subject to the creditbuilder Terms and Conditions. APS Consumer Credit Licence No. 0608377.