How It Works

Account Manager

You can talk directly to your experienced account manager, they are available to give you sound advice on your current account. They'll help take the stress out of managing those monthly bills. Simply tell your advisor what needs to be paid and they'll do the rest. They'll set up all the necessary standing orders and regular payments from your account and help you manage your direct debits to ensure you'll never incur any more costly overdraft or "bounced" or unpaid referral fees.

Managing Your Spending

After all of your bills are taken care of, the remaining balance from your wages can be moved to your cardonebanking Prepaid Debit MasterCard® Card. This process can be automated once the account is set up, using your online account management centre to create "rules". These rules tell the system what percentage of your wages should be placed in your bills account or on your cardonebanking Debit MasterCard as spends. You will be able to manage these rules yourself to match your requirements. We will help you with this when you call to activate the account.

Pay in at a bank or Post Office branch

We've teamed up with a leading high street bank to allow you to pay in cash and cheques at any of their branches. All you have to do is take your cash and cheques to your nearest Barclays branch and pay in using your pre-printed GIRO.

You can also pay in cash at any branch of the Post Office using your own personal barcode. Simply download and print your barcode, take your cash and your barcode to any Post Office branch and pay your money in over the counter. Unfortunately, you are unable to pay in cheques using the facility at the Post Office. Cash paid into your account via Post Office branches will be credited to your billing account within 2 working days; please see terms & conditions for charges associated with this service.

Poor Credit History?

No one should be excluded or pre-judged when it comes to personal finance.

We certainly won't turn you away due to any aspect of your previous financial history. We understand that managing personal financial commitments is challenging and that's where we can help.


cardonebanking provides a hassle free managed account facility. We can help to ensure all your regular bills are taken care of.