DOSH, a prepaid Mastercard® account backed by allpay Limited and its 30-year public sector heritage, removes common barriers to entry, such as rigid ID and address checks, offering a more inclusive route to financial services for people often left behind by the mainstream, from those new to the UK to individuals in temporary housing.
Hereford, 3 June 2025 – In a market entrenched with surprise fees, gimmicks, bureaucracy, and barriers, DOSH arrives as the fintech challenger the unbanked have been waiting for. Backed by allpay’s 30-year legacy of powering public sector payments, DOSH is a UK-focused prepaid Mastercard® account that upends banking norms with flexible ID options through its ‘Vouch For’ onboarding, alongside transparent pricing, financial literacy tools, and real UK-based human support.
“Traditional banks have built walls for the unbanked, DOSH’s mission is to build bridges. We’ve created a fairer way to access financial services, designed for real life, not red tape. Whether you’re paid in cash, don’t have a standard ID, or just want a clearer way to manage your money, DOSH has been built to give you control, clarity, and confidence as your first step towards financial stability, all backed by allpay’s three decades of trusted public service,” says Michelle Pacey, Managing Director of allpay.
The Problem?
In one of the world’s leading economies, nearly one million people still live without access to a bank account. Across the EU, 13 million more are unbanked - relying on cash, costly credit, or informal workarounds just to get by. Without access to basic financial services, everyday tasks like paying rent, receiving wages, or building credit become significantly harder, deepening financial vulnerability.
The unbanked in the UK are often among the most vulnerable, these include people experiencing homelessness, recent migrants, those in low-paid or unstable work, and individuals who lack the forms of ID or proof of address that traditional banks demand. For these individuals, being unbanked isn’t just an inconvenience; it’s a barrier to everyday life. It means struggling to receive wages or benefits, pay bills securely, or participate in the digital economy. This gap in access deepens inequality and leaves many stuck in cycles of poverty, excluded from the tools that help others build resilience and move forward.
The DOSH Solution
DOSH exists to challenge this norm, created not just as an alternative to mainstream banking but as a response to the systemic issues that keep people locked out of it.
Designed to break down the real-world barriers that keep people unbanked. With flexible ID options, including the ability to be vouched for, and a fast, paperless sign-up process, it removes the red tape that often blocks access.
Clear, jargon-free fees and instant transaction alerts build trust and financial confidence, while nationwide Post Office access will ensure cash-in and cash-out remain easy. Most importantly, DOSH puts its customers in control, from budgeting tools to real human support, it is a genuine first step towards financial inclusion and independence.
Why It Matters
Without access to a basic bank account, millions end up paying late-payment fees, falling into arrears, or resorting to high-cost credit. DOSH helps you build reliable payment habits and a strong money history, turning day-to-day stress into confident, future-focused planning.
“DOSH isn’t just a product, it’s a mission,” says Tony Killeen, allpay’s Founder and Entrepreneur. “It’s the result of everything we’ve learned in 30 years of serving the public sector. We’re building a platform that gives the most vulnerable dignity, access, and a path toward financial stability.”
Availability & Next Steps
DOSH launches across the UK later this year, with early-access and beta registration open now at www.mydosh.com.
The platform is being showcased at Money 20/20 in Amsterdam this week, where the DOSH team is providing live demos and exploring collaboration opportunities with partners focused on financial inclusion.
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.
Media Contact
Rachel Smith, Assistant Marketing Manager
T 01432 807537 | E [email protected]
