Prepaid cards work much like a pay-as-you-go phone in the sense that you simply top them up as you go. Acting as an alternative to a debit card or credit card, prepaid cards effectively ensure you spend precisely what is in your bank account. All that is required is the pre-loading of the card with money by transferring it from your current account and you are ready to go. Prepaid cards are particularly helpful for those individuals who struggle to control their budgeting. Limiting your spend allowance can also be wonderful for those who wish to make purchases online as they can prove to be a useful alternative to debit or credit cards.