FAQ
How much does it cost? 
How is the Sterling prepaid MasterCard different from a debit card and a credit card?
The Sterling prepaid MasterCard is not a credit card – so there is no credit check, even if you have poor credit history you can still get a card! When you use your Sterlingprepaid MasterCard, you are spending money you have already topped up into your Sterling account, meaning all your purchases are prepaid.
The Sterling prepaid MasterCard is a payment card that works like a pay as you go phone – you need to put money on it before you can use it. When you use a debit card, you are using money linked to a bank account and when you use a credit card you buy now and pay later. With a Sterlingprepaid MasterCard you only spend the money you have in your account.
Where can I use my Sterling prepaid MasterCard card?
You can use your Sterling prepaid MasterCard at over 26 million retail outlets and over one million ATM• locations worldwide, wherever the MasterCard acceptance mark is displayed.
Can I get a Sterling prepaid MasterCard card if I have any County Court Judgments?
Yes - there's no credit check required for a Sterling prepaid MasterCard. Poor credit history does not affect your chances, the card is prepaid, so you’re only spending the money you have loaded into your account.
How much does the Sterling prepaid MasterCard card cost?
There is a card issue fee of up to £8.95. Other card usage fees apply and these are clearly detailed in the Fees Summary section of your Sterling prepaid MasterCard terms and conditions.
Is my cash secure?
Yes. Your Sterling prepaid MasterCard is Chip and PIN protected for added security. You will receive a Personal Identification Number (PIN) which you use with your Sterling card to get cash from any ATM• displaying the MasterCard acceptance mark and at merchants displaying the MasterCard acceptance mark. For your peace of mind, your money is held in trust by the Royal Bank of Scotland. If you lose your card, your card, funds and PIN will be replaced in accordance with the terms and conditions.
•ATM/bank cash withdrawals, additional card facilities, top-ups by way of standing order or wages payment are not available unless you have been fully identified and your card has been upgraded.
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The Sterling prepaid MasterCard is issued by APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. AFL is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register). Registered in England no. 6029941. Your card will be serviced by Advanced Payment Solutions Ltd (APS) which is a registered agent of AFL for this purpose. Registered in England no. 04947027. MasterCard is a registered trademark of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of the Post Office Ltd.
*Subject to our Terms and Conditions including the applicant providing acceptable identification, being resident in the UK, aged 18 years or older if primary cardholder, or 13 years or older if additional cardholder. The Sterling prepaid MasterCard is issued by APS Financial Ltd (“AFL”) pursuant to license by MasterCard International Incorporated. AFL is authorised and regulated by the Financial Services Authority. (www.fsa.gov.uk/register) Registered in England no. 06029941. Your card will be serviced by Advanced Payment Solutions Ltd (“APS”) which is a registered agent of AFL for this purpose. Registered in England no. 04947027. AFL & APS registered address is 6th Floor, One London Wall, London, EC2Y 5EB. MasterCard is a registered trademark of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd.