Prepaid cards

What is a prepaid card and how does it work?

A prepaid card works like a debit card. The council will pay your direct payment into your prepaid card account.  The card enables you to draw on the money paid into your account.

The card is widely accepted by traders and care providers. You can make payments using:

  • chip and pin, putting the card in a payment device and entering your PIN number
  • contactless
  • telephone and online payments with standing orders, direct debits and online bank payments.

Why is the prepaid card useful?

A prepaid card allows:

  • easy control of managing the payments for your care and support
  • easy control of your spending
  • access to your account balance anytime 24/7
  • additional cardholders can be set up if you need help to use the card and buy your care and support. Remember that it will be you who is responsible for how anyone else you have made an additional cardholder uses the card
  • security - card scheme regulations will apply to protect your funds as soon as your card is reported as lost or stolen
  • access to support from PFS (Prepaid Financial Services) Customer Service tel: 020 3927 8895.

What can I use the card for?

The card can be used to pay for your needs as set out in your care and support plan.

Examples of the care and support people pay for include:

  • personal care
  • getting out and about in the community
  • maximising your independence and wellbeing
  • employing a personal assistant.

What can’t I do with the prepaid card?

Withdraw cash from a bank or other outlet – but you can pay in other ways

  • You will not be able to overdraw
  • You cannot use it as a credit card
  • Pay for any services that do not meet your needs agreed in your support plan

You will not be able to buy certain items such as beauty treatments, massages, car rentals, airline tickets, hotel bookings or items from an off-licence.

For more information

If you would like more information about prepaid cards for direct payments in Tower Hamlets, please contact PeoplePlus telephone: 0330 123 2815 or email