We’ve tried to keep the costs of the Quidity Plus Account as simple as possible. Below is the full list, including all the free stuff.

There are no transaction costs for spending on your card in the UK. There are some other costs associated with your card and full details are below:

Event Fee
Application Fee £4.95
Monthly Fee £4.95 (first month free)
Additional Cards £4.95
Replacement Card £4.95
Faster Payment In Free
BACS In Free
Credit Top Up Free
Debit Card Top Up Free
Post Office Free
PayPoint 2.5%
Faster Payment Out Free
Direct Debit Out Free
Rejected Direct Debit Free
Card Transaction Free
ATM Withdrawals 3%. Some ATM providers may charge additional fee.
Cashback & Cash Advances 3%
FX 2.65%
Call Centre Enquiry Free
SMS Balance Check Free
Paper Statement £1.50


Using your card abroad

You can use your Quidity Plus Account card anywhere in the world where Mastercard is accepted. There is a small fee of 0.55%, and of course the daily exchange rate. If you want to know how much you’ll be charged, Mastercard have a handy calculator. 

If you have a restricted account you can only use your card in the UK.

Spending & load limits

When you apply for a Quidity Plus Account we’ll need to verify your identity against the information you’ve supplied, so we know it’s you. If it’s not possible to do a full ID check, we’ll set your card at a reduced spending limit, with a maximum spend of £3,000 a year, of which you can spend £1,000 per month. The maximum account balance and monthly load limit is £1000, subject to yearly spend limit. You may withdraw cash from an ATM for a maximum value of £100 per day and an annual withdrawal limit of £1000.

It is possible to increase this limit, but we’ll need you to send us documents so we can check your ID fully. See how to upgrade your card here.

PayPoint outlets

Min amount – £10
Max amount – £499.00 per transaction
Transfer time – Load credited immediately
Find your nearest PayPoint outlet

Post Office

Min amount – £10
Max amount – £499.00 per transaction
Transfer time – Load credited next business day
Find your nearest Post Office

Standing Order or Bank Transfer

Min amount – £10
Max amount – Up to maximum account balance
Transfer time – Load credited on the next business day

Via My Account or Quidity Plus Account App

Max amount – £500 per day
Transfer time – Load will be credited when we receive your money. If we receive the funds on a business day, we will credit your account on the same business day.

Debit or Credit card

Min amount – £20
Max amount – £500 per day
Transfer time – Load credited immediately
A maximum of five debit or credit cards can be registered to your Account via the Quidity Plus Account App or My Account. Only one debit or credit card can be used per load transaction. You must have registered your debit or credit card with your bank for ‘Mastercard® Secure Code’ or ‘Verified by Visa’ to use this service. If you change details of your debit or credit card we may ask for additional time to approve your load. The address of the debit or credit cardholder must match the address given by you for your Account.

Account / card limits

Quidity Plus Account

Quidity Plus Account (reduced spending limit)*

Household limit 4 accounts 1 account
Mobile phone number limit Only one account per mobile phone number Only one account per mobile phone number
Additional cards 4 cards 0
Geographic restrictions? card can be used at any merchant Card can only be used in the UK and Luxembourg for GBP transactions
Banking functionality? Full banking functionality Faster Payments and Bacs in only



Topping up your card is quick and easy using your online account or cash.


I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Apply now

Apply Now

Anyone who lives in the UK and is over the age of 13 can apply for a Quidity Plus Account. We accept nearly everyone, and there are NO credit checks.


Need help? View our FAQ section VIEW FAQ'S

*We’re legally required to confirm your identity when we receive your application. As long as we can do this, you’ll receive a card that allows you use all the great stuff a Quidity Plus Account has to offer. If we’re not able to fully confirm your identity, you may receive a card that still lets you shop everywhere in the UK, but which has limited functionality.
The Quidity Plus Account Prepaid Mastercard® is issued by PrePay Technologies Limited pursuant to a licence by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Mirror Money Prepaid card