DOSH, a prepaid Mastercard® has officially launched in the UK, offering a more inclusive alternative to traditional banking for people who are often excluded by rigid ID checks, hidden fees and unnecessary complexity.
Backed by allpay Limited and its 30‑year heritage of supporting public sector payments, DOSH has been designed to remove real‑world barriers to financial services and give people a fairer, more practical way to manage everyday money.
A New Prepaid Mastercard Built for Real Life
Hereford, 3 June 2025 – In a market often defined by bureaucracy, surprise charges and one‑size‑fits‑all solutions, DOSH arrives with a clear purpose: to make money management simpler, fairer and more accessible.
The DOSH prepaid Mastercard account offers an alternative for people who may struggle to open a traditional bank account, including those without standard ID, people in temporary accommodation, individuals new to the UK, or anyone who has felt locked out by mainstream banking requirements.
With transparent pricing, no jargon and clear tools, DOSH is designed for everyday use, whether that’s receiving wages, paying bills or managing spending with confidence.
The Problem: Financial Exclusion in the UK
Despite being one of the world’s leading economies, nearly one million people in the UK live without access to a bank account. Across Europe, millions more remain unbanked, relying on cash, costly credit or informal workarounds to get by.
Without access to basic financial services, everyday tasks such as paying rent, receiving income or participating in the digital economy become significantly harder. This lack of access doesn’t just create inconvenience, it deepens vulnerability and reinforces cycles of exclusion.
For many people, being unbanked is not a choice. It’s the result of barriers such as strict ID checks, proof‑of‑address requirements or a lack of human support when things go wrong.
The DOSH Solution: Removing Barriers, Not Adding Them
DOSH exists to challenge this status quo.
Built as a prepaid Mastercard account rather than a traditional bank account, DOSH removes many of the obstacles that prevent people from getting started. The sign‑up process is fast and paperless, with flexible ID options, including the ability to be vouched for, helping more people access essential financial tools.
Unlike many digital‑only services, DOSH also offers real, UK‑based human support. When users need help, they can speak to someone who understands their situation, rather than navigating automated systems alone.
Backed by Trust, Designed for Inclusion
DOSH is backed by allpay Limited, a trusted UK payments provider with three decades of experience supporting local authorities, housing providers and public services.
“Traditional banks have built walls for the unbanked. DOSH’s mission is to build bridges,” says Michelle Pacey, Managing Director of allpay. “We’ve created a fairer way to access financial services — designed for real life, not red tape.”
By combining trusted infrastructure with a people‑first approach, DOSH aims to give users control, clarity and confidence as a first step towards greater financial stability.
A Better Way to Get Started
DOSH is not about replacing banks, it’s about offering a practical alternative for those who need one.
By focusing on accessibility, transparency and support, the DOSH prepaid Mastercard helps people manage money safely, securely and with dignity, without unnecessary barriers or complexity.
To learn more about financial inclusion and alternative payment options, you can also explore guidance from the Financial Conduct Authority and the UK Government.
About allpay
For the last 30 years, allpay has pioneered accessible payment solutions for local authorities, housing associations, and government bodies, helping millions manage essential bills. DOSH extends that legacy to individual consumers in the UK, laying the foundation for genuine financial inclusion across Europe.
Disclaimer
The DOSH prepaid card is issued by allpay Ltd pursuant to license by Mastercard International Incorporated. allpay Ltd is a company regulated by the Financial Conduct Authority. (FRN 900539) for the issuance of electronic money. Head office and registered address: Fortis et Fides, Whitestone Business Park, Whitestone Hereford, Herefordshire, HR1 3SE (Company No 02933191). Mastercard® is a registered trademark of Mastercard International Incorporated.
🚀 Learn more about DOSH here – https://www.mydosh.com/join/
🚀 Register your interest – https://www.mydosh.com/corporate/
🚀 Free, impartial money guidance – https://www.moneyhelper.org.uk/en
🚀 Independent Support on money and cost-of-living issues – https://www.citizensadvice.org.uk/
FAQs
What does it mean to be unbanked in the UK?
Being unbanked means not having access to a traditional bank account. This can make everyday tasks like receiving wages or benefits, paying rent or managing bills much harder. Financial exclusion often affects people facing wider challenges, such as housing insecurity or not having standard forms of ID.
What is DOSH?
DOSH is a prepaid Mastercard® account, issued by allpay Limited. It’s designed to help people manage their money day to day using a mobile app and a prepaid card. You can only spend the money you load into the account. DOSH does not offer credit, overdrafts or loans.
Is DOSH a bank?
No. DOSH is not a bank. It is an electronic money (e‑money) account. While it offers some similar features, such as making payments and using a card, it does not provide credit or savings products.
Who is DOSH designed for?
DOSH is designed for people who want a simple, clear way to manage everyday money, including those who may find traditional bank accounts difficult to access. There are no credit checks and flexible ID options may be available.
Are my funds safe with DOSH?
Funds in your DOSH account are safeguarded in line with Financial Conduct Authority (FCA) rules. This means your money is kept separate from allpay Limited’s own funds. DOSH accounts are not covered by the Financial Services Compensation Scheme (FSCS).