Is bYond a bank?

No, bYond is not a bank. The bYond card is a prepaid Mastercard®, not a bank account or debit/credit card. This means:

  • There are no overdrafts
  • No interest rates (APRs)
  • You can only spend the money you load onto the card

bYond cards are issued by GVS Prepaid Ltd, an Electronic Money Institution authorised in the UK by the Financial Conduct Authority (FCA) (Firm Reference Number: 900230). GVS Prepaid Ltd is a subsidiary of Blackhawk Network.

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