One4all Gift Cards review

The monthly fee is €1.45. A top-up fee applies when you buy a card at a Post Office branch, and because the card is non-reloadable that charge comes once per card. Cash sits outside that price, since free ATM withdrawals are €0.

One4all Gift Cards is issued by GVS Prepaid (Europe) Limited and regulated by the Central Bank of Ireland under licence C189313, with the company based in Ireland (IE). The card is prepaid, so the balance held is the ceiling on spending.

Free ATM withdrawals are €0, so every cash withdrawal is paid for by the cardholder. On the comparison that places the card at 38 of 104 brands. Cash-heavy users should price a card with a free allowance before committing.

It is a prepaid card, and a virtual card is included as an option (virtual card). The balance you hold is what can be spent, which is the point for a business expense card. There is no current account behind it, as funding comes first and the €1.45 fee follows.

The audience is business, so it is aimed at company spending rather than personal banking. Cards are bought at a Post Office branch, which fits teams handing out a card per staff member. For a personal everyday card, a provider charging £0 a month suits better.

The issuer sits in Ireland (IE) and the card covers 1 currency, so it is built for single-currency spending rather than international travel. Costs are quoted in euro, at €1.45 a month on top of the top-up fee.

Support runs through email, phone and help centre, so a lost card or a declined payment can be raised by email, by phone or through the online help centre. The virtual card option (virtual card) also means fewer card details carried around for online spending.

No. The card is non-reloadable, so a top-up fee applies only when a card is bought at a Post Office branch and the balance you load is all you get. Once it is spent, the card is finished, and the €1.45 monthly fee still runs for its life.