FAQ

The Sterling pre-paid 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 Sterling pre-paid MasterCard®, you are spending money you have already topped up into your Sterling account, meaning all your purchases are pre-paid.

The Sterling pre-paid 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 Sterling pre-paid MasterCard® you only spend the money you have in your account.

You can use your Sterling pre-paid MasterCard® at over 28 million retail outlets and over one million ATM* locations worldwide, wherever the MasterCard® acceptance mark is displayed.

Yes - there's no credit check required for a Sterling pre-paid MasterCard®. Poor credit history does not affect your chances, the card is pre-paid, so you're only spending the money you have loaded into your account.

There is a card issue fee of up to £9.95. Other card usage fees apply and these are clearly detailed in the Fees Summary section of your Sterling pre-paid MasterCard® terms and conditions.

Yes. Your Sterling pre-paid MasterCard® is Chip and PIN protected for added security. You will need to use your Personal Identification Number (PIN) 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.