The BREAD Card is a Prepaid Maestro® card. It's NOT a credit card - so you can only spend what you load. It works in the same way as a pay-as-you-go mobile: you top it up with cash.

The BREAD Card is safer than carrying cash and you can use it to shop online, in store or over the phone. And... It's easy to get one!

BREAD Cards work just like a "pay-as-you-go" mobile phone. They can be topped up with cash at any PayPoint location. You can even have your employer pay your wages onto the card.

Because the BREAD Card is a prepaid card, your spending limits are set by the amount of money you load onto the card. When you make a purchase with the card, the purchase amount is deducted from the card balance. You cannot spend any more than the current balance.

You can view your balance and transaction history 24 hours a day.

The BREAD card is ideal for:

• People with damaged or no credit history
• Foreign nationals that may have difficulty opening a UK bank account
• 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

For people with damaged or no credit history

Getting a spending card has never been easier than with the Bread Card. 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!