I know people have mentioned it before about buying a gift voucher to defeat Ryan Air card charges but I now have a new twist.
Unfortunately it seems that you cannot redeem the remaining "credit" on a voucher so even if it ends up cheaper than the card charges you are still losing out.
The cheapest voucher is £25 which is annoyingly high.
However I noticed you could buy in other currencies so bought in kronors as I am familiar with the currency 250kr = £20 saving me £5!!
This worked great so I got 2 return flights for £20!!
I have now noticed that you can also buy one for 80 polish zlottys which is 17.96!!