How It Works

Account Manager

You can talk directly to your experienced account manager, they are available to help you manage your account. They'll help take the stress out of managing those monthly bills. Simply tell your advisor what needs to be paid and they'll do the rest. They'll set up all the necessary standing orders and regular payments from your account and help you manage your direct debits.

Managing Your Spending

After all of your bills are taken care of, the remaining balance from your wages can be moved to your cardonemoney Prepaid Debit MasterCard® Card. This process can be automated once the account is set up, using your online account to create "rules". These rules tell the system what percentage of your wages should be placed in your bills account or on your cardonemoney Debit MasterCard as spends. You will be able to manage these rules yourself to match your requirements. We will help you with this when you call to activate the account.

Pay in at a bank

We've teamed up with a leading high street bank to allow you to pay in cash and cheques at any of their branches. All you have to do is take your cash and cheques to your nearest Barclays branch and pay in using your pre-printed GIRO. Cheques paid in at Barclays branch will be subject to 4 business days clearing times.

Poor Credit History?

No one should be excluded or pre-judged when it comes to personal finance.

We certainly won't turn you away due to any aspect of your previous financial history. We understand that managing personal financial commitments is challenging and that's where we can help.

NO CREDIT CHECKS* & NO ACCOUNT OPENING FEE

cardonemoney provides a hassle free managed account facility. We can help to ensure all your regular bills are taken care of.

The CardOneMoney current account is not covered by the Financial Services Compensation Scheme. Please see our FAQs for more information.

*Subject to identification, residency - see terms and conditions. Cardholder must be at least 18 years of age.

CardOneMoney is a trading style of Spectrum Payment Services Limited, a company registered in England & Wales (No. 06268340) with registered Office at 3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Spectrum Payment Services Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (FCA No. 839341) and to provide payment services (FCA No. 504547). We are not a lender.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Fair Payments Limited pursuant to license by Mastercard International Inc. Fair Payments Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493) © 2020 All rights reserved.