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How It Works


If you have struggled to manage your finances effectively in the past, we won’t turn you down. We’re here to help you manage your money and make life easier.

1st Stop Banking is a hassle free way to take care of your banking needs. If at anytime you need help, your account manager is just a phone call away.
Pay in at a bank or Post Office branch
We’ve teamed up with a leading high street bank to allow you to pay in cash and cheques at any of their branches. All you have to do is take your cash and cheques to your nearest branch and pay in using your pre-printed GIRO slips into the Rapid deposit box. Rest assured your money is held in trust at Natwest Bank, and is protected by the FSCS for your full deposit amount.

You can now also pay in cash at any branch of the Post Office using your own personal barcode. Simply download and print your barcode, take your cash and your bar code to any Post Office branch and pay your money in over the counter. Unfortunately you are unable to pay in cheques using the facility at the Post Office. Cash paid into your account via Post Office branches will be credited to your billing account within 2 working days, please see terms & conditions for charges associated with this service.


Account Manager
Your account manager can help you manage your money by helping you set up having your wages paid into your account, moving money from your billing account to your card and also setting up standing orders and regular payments. We’ll help make sure that you keep enough money in your account to ensure all your regular bills are paid ontime, avoiding any late payment fees.



Managing your spending
Once your money has been set aside for meeting your regular commitments, you can choose to transfer your remaining balance onto you mastercard card for spending. This can be done manually by yourself or your account manager, or you can set up rules so that a percentage of your wages and other income goes directly onto your card. Whilst your out on the high street you can keep a check on your money by checking your balance on your mobile phone. So that you don’t overspend.


There are no credit checks!
Call us on 0871 811 1884
Calls cost 10p per minute from a BT landline but could be more from other networks and mobiles



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*1st Stop is only open to persons aged 18 and over. Conditions apply. Your 1st Stop Prepaid MasterCard® Card is issued by Newcastle Building Society pursuant to licence from MasterCard International Incorporated. Newcastle Building Society is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register) and is entered in the Financial Services Authority Register under Registered number 156058. Newcastle Building Society subscribes to the Banking Code, copies of the Code are available upon request. 1st Stop, PO Box 3634, Chester CH1 9NL.

1st Stop Registered Office: Whitehills Business Park, Blackpool, FY4 5LW. Company Registration Number: 5153793. Registered in England and Wales.