Putting Money Onto Your Xbox One

Solution 1:

No, there is no way to increase your funds by a specific amount without a credit card. Your only option is to buy a prepaid card instead.

In fact, for such a small amount as 5 cents, I doubt MS would let you use your credit card either, since they might actually lose money from paying commissions to your credit card company. They'd most likely force you to charge a greater amount instead, such as 10 GBP.

As an alternative, there are so-called virtual credit cards, which are said to be more secure than regular credit cards (but in return can only be used for online payment). Contact your credit card supplier for more information, including whether they offer such a service.