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My Advice Gateway

My Advice Gateway is a free resource to help you quickly find the information you need to claim benefits, access help and support or look for a job or training opportunities. Other services include sections on banking, insurance and how to manage debt.

There is so much information available on the internet that it can often be a tedious and time consuming activity to search through the mass of advice that is available in order to find the information you need. Even government websites that have been set up to provide help can be difficult to find your way around.

My Advice Gateway has been built to help you find the information you need quickly and effectively. Links will take you to authoritative advice or the precise application form you need.

We hope you will find My Advice Gateway useful. If you do, why not tell your friends. . .


LHS provides a complete range of web-based housing option services to more than 60 local authorities and hundreds of housing associations across the UK.


My Advice Gateway constantly checks its links to other information sources to ensure they work properly.

However, if you do find a link that does not connect, please let us know so that we can fix it quickly.

Simply drop us an e-mail and tell us which link did not work. We will check it out and put it right.

E-mail: info@myadvicegateway.com




Plastic banking cards allow you to pay for goods and services and withdraw money with ease.

There are a number of different types of cards available, for details on how and when to use them click here or read the definitions below.

Debit Cards 

There are 4 different types of debit card: Maestro, Mastercard, Visa Electron and Visa Debit.

Visa Electron checks the balance of your account before you are allowed to make a purchase, whereas Maestro, Mastercard and Visa Debit do not check meaning you can go overdrawn.

For details on what it means to be overdrawn, click here.

For a guide to the types of debit cards available, follow this link.

A debit card allows you to withdraw money from your account at a cash machine (ATM) using your PIN, let you buy things on the Internet, over the phone or in person. 

Some debit cards let you to pay up to £30 by holding your card to a card reader without having to enter your PIN. This is known as Contactless Payment.

A guide to using Debit Cards is available from MoneyAdviceService.

Credit Cards

A credit card lets you pay for purchases using borrowed money (on credit), which you can pay back later with interest. More information on credit cards can be found in the Credit section of Advice Gateway, follow this link to see more.

Charge Cards

Charge or Store cards allow you to buy things on credit in a similar way to a credit card.

However they differ in that you pay back your balance at the end of each month. Whilst this sounds like a bad deal, charge cards do not charge any interest but may require an annual fee. If you fail to repay your balance in full each month penalty payment charges may be enforced.

A guide to using Store Cards is available from MoneyAdviceService.

Prepaid Cards

As the name suggests, a prepaid card allows you to put money on your card meaning you can only spend as much as you have put on your card, and cannot get into debt. If you do not have a credit or debit card, prepaid cards are a useful way of having the ease of paying on card without some of the pitfalls that credit and debit cards present. 

You can “top up” prepaid cards at a store that accepts them, online, at the Post Office or at a Paypoint machine. However, some prepaid cards charge transactions fees, top up fees or monthly supervision fees – so make sure you check the terms and conditions of the card before you apply.

A guide to using Prepaid Cards is available from MoneyAdviceService.