Ordering & Payment

SWIRL Mastercard Gift Cards are available to registered businesses and organisations in Ireland. Private individuals cannot purchase these cards. All orders are subject to verification checks, which must be passed before the order is accepted.

You can order by paying via IBAN bank transfer or credit/debit card.
With IBAN, you’ll receive an invoice and our banking details to complete the payment.
With card payments, your payment will be processed instantly online.
Once payment is received, your cards are dispatched within 3-5 days. Cards are loaded after delivery is confirmed via a secure link sent to your email.

We do not currently offer a client portal, but our team provides dedicated support throughout the order and delivery process.

Yes, cards can be loaded with set amounts from €15 to €1,500. Please see our order form for the full breakdown of values available.

There is no minimum order quantity when placing an orders. For orders with 1000+ cards please contact our sales team (sales@swirlcard.com)

No, our gift cards are only available in Euro.

No, full payment is required before cards are dispatched.

Not at this time, but it’s something we’re working toward.

Please email any supplier setup forms to our sales team at sales@swirlcard.com

Invoices are issued once our team has completed the necessary compliance checks. Please check your spam or junk folders. If you haven’t received your invoice within 2–3 hours of placing your order, contact our sales team at sales@swirlcard.com for assistance.

We use Banking Circle, a German-regulated financial institution and partner of our card issuer, EML Money DAC.

Once payment is received and cards are dispatched, changes may not be possible. Please contact our team immediately if you need to make an update.

Cards cannot be personalised. However, we may be able to personalise the attached letter & Instructions with a message from your company. Please contact us directly for more information on this.

Order Fulfilment & Delivery

Yes, we can send cards directly. Just provide a name and address list (preferably in Excel). A postage charge of €1.50 per card typically applies.

No, cardholders must reside in the Republic of Ireland to register a card.

Typically within 3-5 business days of receiving payment. Lead times may vary during peak busy periods.

Yes, your dispatch confirmation email will include tracking details depending on your delivery method.

Orders are typically delivered within 3–5 working days, though delays can occur during peak periods due to courier demand. If your order hasn’t arrived within the expected timeframe, please contact our support team at sales@swirlcard.com and we’ll be happy to assist.

Costs and Fees

 (already on website – no update necessary)

Fees cover card production, administration, and postage. Unlike other providers, we don’t receive a percentage of the spend back from merchants.

The card is completely free of fees for the first 12 months after it has been loaded. After this period, a monthly fee of €3.50 will apply — but only if there is still a balance remaining on the card.

Using the Card

Our gift card is a MasterCard and can be used in over 45 million locations worldwide both in store and online. To use in store, you simply swipe the card and sign a recipient there is no chip and pin with our gift card. *While the card can be used at any location accepting of MasterCard, it is up to the individual store if they can accept the form of payment.

No, cards are universally accepted wherever Mastercard is, but merchant acceptance varies.

Our gift card is swipe-and-sign (no chip and pin or contactless). It’s used like a traditional in-store gift card.

No, the full balance is available to spend without restrictions or transaction fees.

No, gift cards cannot be used at ATMs.

No, each gift card can only be topped up once.

Not currently, but we are working to offer this feature in future.

Cards are not loaded while in transit. Once your order has been dispatched, you’ll receive a confirmation email with a secure link to confirm delivery. Funds will only be loaded after this confirmation is received. Please ensure cards are not distributed to employees until we confirm that the funds are active.

Yes, each card must be activated by the recipient before it can be used.
To comply with Mastercard regulations, each card must be linked to an individual to ensure secure usage both online and in-store.
No, for security reasons, each recipient must activate their own card.

Small Benefit Exemption Scheme

A tax relief scheme allowing employers to give up to €1,500 (as of 2025) annually in non-cash rewards to employees.

To qualify for the Small Benefit Exemption Scheme, the following rules apply:
The total value of rewards cannot exceed €1,500 per employee per year (from 1 January 2025).
-A maximum of 5 rewards can be given per year.
-Rewards must not be paid in cash or through payroll.
-Salary sacrifice arrangements are not permitted.
Only non-cash, non-payroll benefits like gift cards qualify under the scheme.
Yes, SWIRL Gift Cards qualify under Ireland’s Small Benefit Exemption Scheme for tax-free employee bonuses.

Support & Concerns 

They are available here (link to T&Cs) on our website. We can also provide a PDF copy upon request.

If the card is registered, we can block it and reissue a new card with the remaining balance.
Yes, we can share our Corporate Gift brochure with testimonials. We do not share client contact details.
We offer an Irish-based helpdesk, live chat, and email support for any card-related issues.
Most of the reviews are in relation to our reloadable card which is a slightly more complex product. Our corporate gift service is fully supported by a dedicated Irish team should any issues arise.