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You can load your PFS Prepaid Mastercard using a number of different methods.
You can register your debit/credit card to your prepaid card by logging onto our online banking platform here and following the instructions from there.
To begin using your PFS Prepaid Mastercard card you must first activate it.
To activate your card, you must call us on any of the three numbers below and follow the instructions.
Once activated your card is ready for use online and in ATM's across 210 countries and territories displaying the Mastercard Acceptance Mark.
As a cardholder, you can use your card to make purchases online, in-store and over the phone. You can use your prepaid card across 210 countries and territories displaying the Mastercard Acceptance Mark.
When you purchase a PFS card online your card can be loaded to a maximum of £120. If you wish to increase this limit you can do so by upgrading to PFS ‘Plus’. PFS ‘Plus’ cardholders can load up to £5,000 to their card.
PFS 'Plus' cardholders have access to load their card with a debit card. In order to upgrade your card to 'Plus' you must provide us with proof of your identity (passport or driver's license) and a proof of address (utility bill or bank statement). You can easily upgrade to the PFS 'Plus' by logging into your online account, selecting the 'Upgrade' button and uploading scanned colour copies of your documents.
If you would prefer to post these documents, please send colour scans of your documents to
*The upgrade fee is £5.
Please note you must have at least £5 available balance on your card if you wish to upgrade your card.
In order to use the SMS commands, you will first need to have registered a mobile phone number to your PFS Prepaid Card during your card application process. If you haven't registered your mobile number during your card application, you can register the number once you have logged in to your card account online.
Once this is done, you will be able to use the following commands with your PFS Card by sending simple text messages to the phone number +44 (0) 762 480 3759.
Retrieve your PIN
This functionality allows you to get the PIN for your PFS card
Allows you to load your own card using your debit card that is pre-registered on the system.
Transfer funds from your PFS card to another PFS Card.
Using recipient card number
Using the recipient mobile number
Find out the current balance on your PFS card.
Lock & Unlock
To temporarily prevent any withdrawals from cash machines (ATMs) and purchases via retailers (POS), you can lock your PFS card.
SMS System Help
You do not need to memorise or know all these commands by heart. You can always view these commands online on the website or if you don't have access to the internet, you can view the SMS commands with the instruction below
Prepaid Mastercards provided by PFS are not credit cards, charge cards or debit cards. PFS Prepaid Mastercards are reloadable cards, issued by a financial institution. Cards are available in different currency denominations. Each time the card is used, the value of the purchase is deducted from the funds available on the card. Funds are loaded onto the card either at the time of purchase or at a later date. The value is held at a bank and not on the card. The card does not offer credit. In essence, you need to load funds on to your card before you can use those funds.
The PFS Prepaid Mastercard can be used for many purposes such as:
Essentially, you can use PFS Prepaid Mastercards for your business or for yourself to make purchases online, over the phone and in-store at over 25 million locations worldwide, and withdrawals at over 1 million ATM locations worldwide where Mastercard is accepted.
PFS Prepaid Mastercard cards operate on the standard Mastercard networks. The PFS Prepaid Mastercard Card can be used like any debit card. The prepaid value loaded on the card can be used by cardholders at participating retail merchant locations for purchases and ATM's worldwide for withdrawals. Funds will be immediately debited from the cardholder's balance upon authorisation of any transaction. Purchases or cash withdrawals are deducted from the balance until the loaded value is spent. The card can be loaded over and over again. A full transaction history can be viewed via an online account management facility and using mobile phone
Any form of payment can be accepted, including loading via:
Yes. PFS provides each of its clients with access to real-time comprehensive information on their program. This information enables our clients to actively monitor the status of their card program and utilise the information to follow consumer trends for their own marketing and promotions campaigns.
Upon application all applicants must read and accept the terms and conditions of the card program. These terms and conditions are approved by the issuing bank. Click here to view the terms and conditions.
Upon receipt of a Prepaid Card, cardholders must sign the back of the card in the box highlighted "authorised signature" and then activate their card as per the instructions provided in the welcome pack. Cards must be activated through a website before cardholders can access their funds or load funds onto their Prepaid Card.
The process to activate your card is easy. You can follow the instructions on the letter attached to your card or alternatively follow these simple steps.
Your PIN will be read out to you. You must never share this with anyone.
Yes, PFS Prepaid Mastercard Card products can be topped up subject to the maximum balance available on the cardholder's card. Depending upon our client's requirements, cardholders can re-load (top up) their cards by SMS, telephone, online or at over 30,000 participating top-up locations.
Upon authorisation of top-up transaction, funds will be available on the cardholder's card for use within a few minutes. For more details click here to view the terms and conditions.
Yes. Usually the secure Personal Identification Number (PIN) is delivered two to three days after you have received your card. The Prepaid Card can be used at ATM's and point-of-sale (POS) locations worldwide. It is delivered separately from the card for security reasons.
Yes. This depends on the program definitions agreed with our clients.
Cardholders can check their transactions and account balance 24/7 - 365 days of the year through our Internet account management system or via SMS. Click here to view the terms and conditions.
Cardholder's can use their cards to make purchases of products, goods and services at any location that accepts Mastercard. PFS Prepaid Mastercard Cards are accepted at over 25 million locations and over 1 million ATM locations worldwide. In addition, cardholder's can use their cards online wherever the Mastercard acceptance mark is displayed.
Any PFS Prepaid Mastercard Card is valid for 24 months. Upon expiration, cardholder's cards will no longer be available for any use. Clients can select to automatically send cardholders a replacement card with all available balance on their new card or the cardholder can request a payment of the remaining balance on the card and close the account. For more details click here to view the terms and conditions.
Cardholders are required to contact the call centre and request a new card. The cardholder's card will then be cancelled and a replacement card will be sent to them subject to a replacement fee stated in the terms and conditions.
No, cardholders will not earn any interest on the balance of funds loaded onto their cards or incur any interest on their spending.
All fees can be viewed on our terms and conditions.
No. The Prepaid Card is not a credit card. Neither is linked to your bank account. Hence, no credit checks are required.
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