The best prepaid money cards on the market right now


In the last number of years, we haven’t see a lot of innovation coming from traditional banks. However, financial technology companies
have been stepping up to fill the gap with different ways to manage our money day-to-day. In this video, we’re going to talk about prepaid
money cards, from those that offer functionality as simple as a one-off gift card, to those
that come so packed with features that they could rival your current account. To make things simpler, we’re going to break
down the following prepaid cards into three broad categories that suit three different
types of day-to-day spending. The first of which is the more basic card,
which we would recommend as a great gift option for instance. So, the Vplus card, the Swirl Mastercard and
the Perfectcard, all offer similar functionality in that you can load them up and then use
them as you would a debit card or a credit card online. We think they’re particularly good as a one-off
purchase because, although each of these cards can be topped up again and again with cash,
they are quite costly to do so – unlike some of the other cards that we’re going to talk
about a little later in the video. So, if you’re looking for a great card to
do some online spending or you’re looking for a gift card to give someone so that they
can do online spending, we would definitely recommend one of these cards. So, moving onto the more mid-range cards.
We’re going to take a look at the Skrill card and 3 Mobile’s money card. These are great
options if you’re looking for a more permanent prepaid card for budgeting. This is because you can load up both of these
cards again and again for a small fee and they also come with great apps that keep track
of your spending, budgeting and savings. And the Skrill card even has Apple Pay integration
for extra handy spending. Finally, moving on to our third and final
category – and probably the most compelling; we’re going to take a look at Revolut and
N26. These are prepaid cards that come packed with so many features that they rival those
of your traditional bank account. So, what makes these cards different from
the cards we’ve been talking about thus far? Well, first of all, and probably most importantly,
these cards are free to top up. So you can top up again and again and again, as many
times as you want, and really conveniently right through the app on your phone. And speaking of fees, these cards don’t have
any transaction fees to use them, unlike your traditional current account, which can charge
up to 20c per chip and pin transaction – so you’re going to save a lot of money where
that’s concerned. Another great feature, if you’re going on
holidays and you’ve loaded up your card to bring with you, you can get a 0.0% foreign
exchange rate on using the card, meaning that you won’t have to worry about any international
banking charges when making purchases abroad. You can even make quick and easy transfer
payments freely using the app with the touch of a button, without having to go and hunt
around for that annoying card reader you have buried in a drawer somewhere. Finally, both Revolut and N26 come with beautifully
designed, user-friendly apps that come packed with comprehensive features and analytics
– the likes of which you won’t see in your traditional banking app. It’s also worth noting that if you go for
the premium features that come with either of these apps, you can add features like cryptocurrency
saving, insurance packages and more. So, there you have it guys. There’s a quick
a overview of the best prepaid cards available on the market right now. If you’d like to
read anymore about the fees and features associated with any of these cards, you can read about
it over on our blog – or indeed you can run a prepaid card comparison over on bonkers.ie. As ever, if you have questions or comments,
please leave them down below and if you’d like to see a video comparing the different
current accounts in Ireland right now, you can check that out over here. Don’t forget to follow us on social media
and, until next time, thanks for watching!

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