frequently asked questions

I have been given a limited features BREAD card, how do I upgrade to a full features card?

This is easy. Simply send us the following proofs of your identity to: BREAD Card, Payment Card Solutions, Card Services, PO BOX 64645, London, SW89DR

A photocopy of your passport showing the photo, OR your UK driving licence showing your photo, OR any other government-issued ID document

AND an ORIGINAL of one document from this list, which must be less than 3 months old and must be in your name:

  • a gas, electricity, water, or landline phone bill
  • a council tax bill
  • a credit card or bank statement

What are the differences between a full feature and limited feature BREAD Card?

With a limited features card, you may only spend up to £1650 in a calendar year and you may only withdraw a maximum of £650 a year from an ATM. You also may not apply for a secondary card which can be used to share money with friends / family until you have upgraded to a full feature BREAD Card.

Can I use my Bread Card with PayPal?

We cannot guarantee the acceptability of our cards with any merchant but we do have thousands of customers linking their cards to PayPal and both paying money into and from their PayPal accounts. A common confusion however is that when people try to link their cards initially to their PayPal accounts without first loading their Bread card, it appears that it is not being accepted. This is because PayPal generally make a small charge to "verify" the card. If there are no funds loaded to your card, then this will fail. So, before trying to link your Bread Card to your PayPal account, please load it first.

Is my BREAD Prepaid Mastercard Card like a normal bank debit card or credit card?

Your BREAD Prepaid Mastercard card is not a credit card or charge card, it's a prepaid card that carries a variable amount of money based on the amount loaded onto the account when the card is purchased or at a subsequent time after purchase. Each time you use the card to buy something or withdraw cash at an ATM, the purchase amount is deducted from the available balance.

I would like to buy a BREAD Prepaid Mastercard Card. How do I do this?

You can order your card from this website. You can pay for the card by using cash at a PayPoint outlet or online using an existing debit or credit card, or you can pay using an SMS text message (for this you will need a mobile phone.) If you are unable to pay by either of these methods, you can apply by post, and pay with a Postal Order. To issue a card we will need your passport number or UK driving licence number, and a delivery address for the card. If applying by post, please include a recent utility bill or bank statement.

Is there a need to sign an agreement?

No. Each BREAD Prepaid Mastercard Card is sent to you in a card carrier that fully explains the terms and conditions regarding the use of the card. You accept the terms and conditions by either signing the back of the card or using the card.

When do I get my card?

Unless we notify you otherwise, we will issue your BREAD Prepaid Mastercard Card within 10 working days of receiving your order.

What do I need to do when I receive my card?

You must sign your BREAD Card as soon as it is received. You must then activate it before you can access your account or any funds can be loaded. You can activate your card by following the instructions on the card when you receive it.

Can I add further funds to my BREAD Prepaid Mastercard Card?

Yes, you can top up your primary BREAD Prepaid Mastercard card with cash at any Post Office® Branch or PayPoint location in the UK.

To locate your nearest Post Office® Branch click here.

To locate your nearest PayPoint outlet click here.

Alternatively you can have your wages paid on to the card (fill in a wage transfer form and give it to your employer) or you can set up a standing order from any UK bank account using this form.

Please check the fees section to see if a fee applies.

Who can load money onto my BREAD Prepaid Mastercard Card?

Anyone can add money to your BREAD Prepaid Mastercard card using cash at a Post Office® or PayPoint Outlet. The maximum top up in one transaction is £500. The balance on your BREAD Prepaid Mastercard card can never exceed £3500 at any time. We reserve the right to refuse to accept any particular loading transaction. If you top up by PayPoint you will be charged at 3% per load. Loading at a Post Office® Branch or via BACS e.g. Payroll or by standing order is free.

After I top up my BREAD Prepaid Mastercard Card, how long does it take for you to credit my account?

Once loaded via PayPoint, funds will be available for use on your BREAD Prepaid Mastercard card immediately. Funds load via a Standing Order or Wages transfer will take 3 days to clear. If you use a Post Office® Branch funds should be available the following working day but may take up to a maximum of 3 days.

When do I get my PIN?

You can get your PIN at any time by calling 0844 855 2463 and entering your card number and security code when prompted.

Will my card work as soon as I receive it?

No, you will need to activate your card when you receive it. To do this please follow the instructions on the card when you receive it.

My card has suddenly stopped working, why?

This could be for a number of reasons:

  1. Your card is damaged
  2. You have no balance left on your prepaid account and need to load some more
  3. We have blocked the card for security purposes or on your instructions
  4. The card has expired, please check the expiry date on the card itself

Please call customer services if you require assistance.

Do I receive a statement?

No. However, you can view your current balance and transactions online free of charge here.

What happens if I need to return an item I have purchased?

Each retail store has its own return policies and will handle the returns in the same manner as any other Mastercard transaction. They may credit your BREAD Prepaid Mastercard card, provide a cash refund, or a store credit.

Will my card work abroad?

Yes, it will work in most ATM's worldwide and with most retailers with electronic terminals that accept Mastercard Cards. Remember to take your PIN with you as we are unable to provide you with this over the phone.

Where can the BREAD Prepaid Mastercard Card be used?

You can use your BREAD Prepaid Mastercard card wherever you see the Mastercard Acceptance Mark, including shops, restaurants, online or on the telephone. With your PIN you can also use your BREAD Prepaid Mastercard card to buy in stores with Chip and PIN terminals and get cash from an ATM. Before using your BREAD Prepaid Mastercard card you need to make sure there are enough funds loaded on it. You will not be able to use your card after its expiry date.

Where can I use my card in the UK and abroad?

Please see the Mastercard acceptance section of the website

Can I use my BREAD Prepaid Mastercard Card to shop on the Internet?

Yes, wherever you see the Mastercard Acceptance Mark.

What about Internet Security?

Internet shopping is increasingly popular and most reputable retailers run sites that are safe and secure. However, if you are concerned about security, CardWatch ( offers some simple guidelines to follow when buying online. These should ensure that your shopping is as safe as it would be on the high street.

What are my rights as a Consumer when shopping online?

Consumer protection rights apply to purchases made online, just as they do to those made on the high street. If you have problems with an online purchase or retailer, visit the Office of Fair Trading site - The Consumer Information Section ( has details of your rights.

Will I earn interest on my BREAD Prepaid Mastercard Card balance?

You will not earn any interest on any funds loaded on to your BREAD Prepaid Mastercard card

What do I need to do if any of my personal details change?

You must let us know as soon as possible by logging in and using the 'Your Details' facility on the website if you change name, address, phone number or e-mail address. If we contact you in relation to your BREAD Prepaid Mastercard card, for example, to notify you that we have cancelled your card or to send you a refund by cheque , we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.

How do I cancel my BREAD Prepaid Mastercard Card?

You have a legal right to cancel your BREAD Prepaid Mastercard card up to 14 days after you receive it. Under these terms and conditions, you also have the right to cancel your BREAD Prepaid Mastercard card at any time after this 14 day period. If your BREAD Prepaid Mastercard card is cancelled, we will immediately block your card so it cannot be used.

You will not be entitled to a refund of money you have already spent on transactions authorised or pending or any fees for use of the card before the card is cancelled or expires. The purchase price of your card is never refundable. You can cancel your card by sending an email to us using the "contact us" function on the Website and confirming that you have destroyed your card by cutting it up.

If you cancel your BREAD Prepaid Mastercard card, we will arrange for any unused funds on your cancelled card to be refunded to you (by sending a cheque to your last notified home address), once all transactions and fees have been deducted, including the refund fee, unless you have arranged to transfer any unused funds to another card managed by us.

We may also cancel your BREAD Prepaid Mastercard card immediately if we suspect fraud or misuse of the card or we have any other security concerns or we need to do so to comply with the law. If we do this, we will tell you as soon as we can after we have taken these steps. If we cancel your card, you must tell us what you want us to do with any unused funds within three months of the date we tell you your card is cancelled.

What happens when my BREAD Prepaid Mastercard Card expires?

Your BREAD Prepaid Mastercard card will be valid for 24 months. When it expires, you will no longer be able to use your card and we will arrange for the balance of funds to be moved to your new card, after deducting any outstanding transactions and fees (including the replacement fee). However, we will not issue a new card if you tell us in writing at least 28 days before the date your card expires that you want a refund instead or if insufficient funds exists on the card account to meet the replacement fee. We will try to replace your existing card with the same card colour. If this is not possible we may replace it with any other colour available.

What happens if my card is lost or stolen?

You should treat your BREAD Prepaid Mastercard card like cash in a wallet. Your card is protected by chip and PIN, but it is your responsibility to keep your card safe. When you receive your PIN you should memorise it and destroy the notification. You must keep your PIN secret at all times. Do not reveal it to anyone.

We recommend that you check the balance on your BREAD Prepaid Mastercard card regularly online on the website. You can see your BREAD Prepaid Mastercard card balance and most recent statement of transactions online at any time by selecting the "balance" button on the website and completing the security details.

If you lose your BREAD Prepaid Mastercard card or it is stolen or you suspect that your BREAD Prepaid Mastercard card has been used by someone, you must get in touch as soon as you can. We will then cancel your card. If you ask us to do so, we will ask the police to investigate any suspected misuse of your card and they may need more information and assistance from you.

We will refund the amount of any transactions which the investigations show are not authorised by you, provided you have kept your BREAD Prepaid Mastercard card and PIN secure. However, if the investigations show that any disputed transaction was authorised by you or you have not kept your BREAD Prepaid Mastercard card or PIN secure, we will not refund the transaction amount and will charge you an administration fee of £10.00.

Can I have the balance on my account refunded to me?

Provided that any unused funds loaded on your Prepaid Card are not invalid and you have at least £10.00 loaded on your Prepaid Card to cover the Cash Out Fee (see "The fees" section for details), we will refund the unused value to you. You can make a Cash Out request by sending us an e-mail using the "contact us" facility on the Website, confirming that you have destroyed your Prepaid Card by cutting it up. When we process a refund, we will deduct a Cash Out fee of £10.00 before doing so.

What are the fees for using my account?

We do not charge any monthly or quarterly fees or for checking your on-line balance and statements.

Click here for a list of fees for your prepaid card