jabird - prepaid cards are not credit cards so consumer credit protection laws generally don't apply. In addition the normal protection from bank deposits within the EU often is not available on these type of prepaid cards - but most people are unlikely to have a balance of more than a few hundred pounds (likely to be much smaller than that for most peope) so deposit protection isn't really a major issue. The really big cause for concern should be the fees charged on this card and the conditions of use which seem particularly onerous compared to other prepaid cards on the market