Fully integrated payments solution, allpay, has announced the launch of DOSH, a prepaid Mastercard account that offers a more inclusive route to financial services for people often left behind by the mainstream industry.
Removing common barriers to entry such as rigid ID and address checks, DOSH plans to upend banking norms with flexible ID options. Offering its ‘Vouch For’ onboarding, the account will also offer transparent pricing, financial literacy tools, and UK-based human support.
Traditional banks have built walls for the unbanked, DOSH’s mission is to build bridges,” said Michelle Pacey, managing director of allpay.
“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.”
The unbanked problem
Nearly one million people still live without access to a bank account in the UK. 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 the 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.
It’s 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 human support, it aims to be a first step towards financial inclusion and independence.
“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.”
