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Costs & Fees


SWIRL Prepaid MasterCard

What are the costs of prepaid credit cards

Account Maintenance Fees

Online Registration PIN Reissue Monthly Account Fee Receive balance by text Smartphone App SMS Alerts
FREE FREE FREE** FREE FREE FREE



Top-Up Fees - Debit Card Top Up now Available

Payzone Debit Card Bank Transfer
€10-€350: €2.99
€351-€500: €3.99
€0.01-€500: 0.99c
Until Jan 31st
FREE*



Transaction Fees

Purchase ATM
Min 0.75c, Max €2.95
2.95% of transaction value
Flat fee €1.50
ATM operator fees may apply

SWIRL Gift Card - Coming Soon

GIFT card
Top Up Fee Monthly Account Fee
€10-€250: €2.99 FREE***

SWIRL FX Card - Coming Soon

Account Maintenance Fees

Online Registration PIN Reissue Receive balance by text Smartphone App SMS Alerts
FREE FREE FREE FREE FREE



Top-Up Fees

Payzone Debit Card Bank Transfer
€10-€350: €1.99
€351-€500: €2.99
TBC 2.95% of Top Up value



Account Based Fees

Monthly Account Fee ATM
FREE**** Flat fee £2.50/$2.50
ATM operator fees may apply

*For bank transfers the top up fee will be charged to your account & refunded back to you before 9am the following morning. Individual bank charges may apply - please check this with your bank prior to making your transfer. Free until further notice.

**If you do not use your card (top up or spend) at least once every two months you will be charged a €3.50 inactive account fee for every month thereafter that your account is inactive. You will not be charged this fee if your account is used at least once every 60 days. This fee will not be applied to your account if there are no funds available.

***If you do not use your card after 12 months you will be charged a €3.50 monthly account fee. This fee will not be applied to your account if there are no funds available.

****If you do not use your card (top up or spend) at least once every six months you will be charged a £2/$3.50 inactive account fee for every month thereafter that your account is inactive. You will not be charged this fee if your account is used at least once every 6 months or if your balance is zero.