just to let anyone know about these cards and the differences.... american express card charges you £20 issue fee theres also a credit check with a credit reference agancy and also you have to give your details of your credit/debit card.... whereas mastercard takes no details from you ( you only need 2 items with your name and address to prove your identity) and its virtually free with NO credit check No bank account required and its chip and pin protected!!and with the cheque centre will be free as of next week!! All this to get and spend your own money abroad!!At the moment the master card prepay card is £9.95 issuing fee.