Payzone have brought out a new crd card that you top up more info and outlets at
www.payzonemoney.com you buy the card in a shop you get two cards a loading card and crd card it costs €6 but no time limit on balance or transfer rates on bal like 3v find it alot better can use it in shops as well and abroad you also get a pin code to use at atms. Hope this helps any one that get refused from the banks that are being bailed out with our tax money!!! I think it is a safer way of having a crd card as it can not run into the red you can only spend what you have put on it