Offers competitive rates to users with no fees on purchases and no monthly fee. Card can be loaded via Paypoint and BACS and it is simple to apply on-line and we need either a UK driving licence or international passport number together with a UK address. The card is aimed at those who do not have access to a Maestro facility such as individuals with debt / credit problems or recent immigrants to the UK. It can also be used as a budget tool for those who do not want to extend credit card bills. Can also be used to have wages or expenses paid onto the card from employers. The BREAD Card only costs £10 and can be paid by another card or via SMS.