I have a cash plus card and I love it. I just run to the post office and top it up, it goes in instantly. Mine does appear on my credit report but I went for the credit builder option to give me a boost. They charge 5 a month for the account and then I get charged (I think) 2.5% for cash loads over £1000 per month and i have the cash plus app so I can make payments, check balance ect. If you transfer someone money it’s free but it’s not instant, it will get to them before close of business though.
Mentioned above was booking.com.. Iv never used my real card number on there so I don’t think they check up on that.