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Prepaid credit card

  • More widely accepted than a debit card
  • Often comes with a free bank account
  • No income requirement, so anyone can apply

7 credit cards found for you

1
Bestseller N26 Mastercard

N26 Mastercard

7,7 out of 421 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • Free of charge + English application
  • No income requirement


Annual fee

free
2
Special deal Revolut Mastercard

Revolut Mastercard

7,5 out of 69 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • € 10 cashback
  • No income requirement
  • Betaal met IDEAL


Annual fee

free
3

bunq Mastercard

7,8 out of 50 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • Suitable for car rentals
  • No income requirement
  • 2,46% interest rate
  • Virtual credit card


Annual fee

free
4

Openbank R42 Mastercard

7,5 out of 40 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • No income requirement
  • Suitable for car rentals


Annual fee

free
5

Viabuy Prepaid Mastercard

7,4 out of 47 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • No income requirement
  • One-time fee of € 69,90


Annual fee

19,90
6

Revolut Premium Mastercard

7,0 out of 2 reviews

Credit limit:

Prepaid

Purchase insurance:

365 days

  • 3 months for free
  • No income requirement
  • Free express delivery


Annual fee

96,-
7

N26 Metal

7,5 out of 7 reviews

Credit limit:

Prepaid

Purchase insurance:

n/a.

  • Most exclusive card + lots of benefits
  • No income requirement
  • Suitable for Apple/Google Pay


Annual fee

202,80

Apply for a prepaid credit card

A prepaid credit card is easy: you deposit a set amount of money on the card in advance, after which you can make payments and purchases worldwide.

Is it right for you?

The advantage of a prepaid card is that you can never spend more than you have deposited on the card. This makes the prepaid card ideal for people who somehow cannot get a normal credit card, for example because of a limited income or negative BKR listing.

Prepaid or Debit card

With a prepaid card, often called debit card, it is intended that the user first transfers money to the credit card before he can pay with it.

This means that making purchases without a positive balance is not possible. Therefore, a BKR-review is not necessary, because no credit or loan is provided.

So prepaid card work similar to that of regular bank cards, because one can only make expenses as far the balance allows it.

However, the advantage of a prepaid card is that you have the same payment convenience as with a regular credit card.

Disadvantages

Please note the terms of the debit card. For some cards, you cannot guarantee car rentals or pay at unmanned petrol pumps and toll roads. Your card provider can inform you about this

Costs of prepaid cards

Prepaid cards are relatively inexpensive or even completely for free. However, users do usually pay a small fee for each time you charge the card or when they pay in a foreign currency.

The fee normally varies between a fixed amount (e.g., 1 euro) or a fixed percentage of the amount you want to transfer/pay.

In addition, there may be a negative balance on the card, for example when the annual contribution is retained and there is insufficient balance on the card. If the user does not pay in time, a fine may be charged.

Comparisons and requests

At Creditcard.nl, you can easily compare different prepaid credit cards based on different features, such as spending limit, annual contribution, upgrade costs, and terms.

You can apply for the the prepaid credit card in the provider’s secure environment.