Following a nine-month pilot, the prepaid Mastercard® account powered by allpay begins an invite-only rollout, opening access to those excluded from the UK economy ahead of a wider public launch.
From Pilot to Public Launch
HEREFORD, 23rd March 2026 – In the UK, almost a million adults remain unbanked, shut out by a system that doesn’t work for them. For many, the barriers are too high, including a lack of traditional ID, poor credit history, or simply mistrust of conventional banks.
Introducing DOSH, the prepaid Mastercard® card and app from allpay, the UK’s leading public sector payment specialist. DOSH offers a straightforward financial tool designed for those who’ve been left behind. No confusing jargon, just a simple, transparent way to handle bills, budgets, and everyday spending.
Following a successful nine-month pilot phase, DOSH has officially launched for end users today, entering a controlled, invite-only rollout. This initial phase is designed to ensure stability, care, and high-quality support as the service scales. DOSH will be made available to the wider public in future phases, without the need for an invitation code.
Measured Growth
The transition to live status follows nearly a year of rigorous testing. During the pilot, DOSH demonstrated that by dismantling barriers such as a lack of traditional ID or poor credit history, it could provide financial agency to those previously left behind.
To maintain a high level of support for every new user, access is currently provided via invitation code. Housing associations, charities, and public sector organisations that already support people who may benefit from DOSH can signpost individuals directly. Anyone else can join the waiting list at mydosh.com, securing early access as DOSH moves into its next, open phase.
For more than 30 years, allpay has worked closely with social housing providers and local authorities, so we see first‑hand how many households are still locked out of everyday financial services.”
“Our pilot showed there is real demand for a fairer, simpler way to manage money. Many social rented households face ongoing financial pressure and limited options. DOSH builds on decades of public sector trust to give people more control and confidence. Starting with an invite‑only phase allows us to grow responsibly, while keeping human support at the heart of the experience,” Said Michelle Pacey, Managing Director of DOSH.
The DOSH Difference
DOSH is designed to challenge the “debt spiral” that often affects those without access to traditional tools. Key features include:
- Inclusive Onboarding: Flexible ID requirements and a “vouched for” system for those without traditional forms of ID.
- No Credit Checks: Fast account setup that does not affect a user’s credit score, opening doors for those the system has left behind.
- Mastercard® Accessibility: Users can use their contactless Mastercard® in shops or online.
- Physical Connectivity: Users can add and withdraw cash at up to 11,500 Post Office® branches across the UK.
- Real Human Support: Access to friendly help from real people, ensuring money management is never a solitary struggle.
- Financial Literacy Tools: The platform includes built-in education resources designed to improve user confidence and financial literacy through jargon-free guidance.
Partnering with DOSH
Registration for the DOSH waiting list is now open. Housing Associations and public sector bodies can invite tenants to create an account using unique invitation codes, supported by a partner-first onboarding process.
To learn more about DOSH or access the service:
👉 Register your interest at mydosh.com
👉 If you’re an organisation supporting people with money access challenges, find out how to partner with DOSH here https://www.mydosh.com/corporate/.
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 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 to support?
DOSH is designed to support people who may find traditional banking difficult to access, as well as anyone who wants a simpler way to manage their money day to day.
How are funds protected?
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).
Where can I get help if I’m unsure about my money options?
If you need free, impartial money guidance, organisations such as MoneyHelper and Citizens Advice can help you understand your options.