The Swirl Prepaid Mastercard is a versatile financial tool designed for convenience and security. It stands out as a popular choice among prepaid cards in Ireland.

The Swirl Card, described as Ireland’s favorite prepaid Mastercard, is accepted in over 45 million locations worldwide, both in stores and online. This widespread acceptance is coupled with the ability to withdraw cash from over 1 million ATMs globally. The card is designed to be a secure payment method, enabling users to make instant transfers to family and friends. One of its notable features is the absence of the risk of overspending or incurring debt, as it’s a prepaid card. This aspect makes it a practical option for budgeting and managing finances effectively.

The card offers versatility through the Swirl FX option, which includes Euro, Dollar, and Sterling Virtual Cards. These features cater to a wide range of needs, from online shopping to managing household budgets, and are especially beneficial for those new to Ireland. The Swirl Card also facilitates bill payments and is a convenient option for managing pocket money for kids.


Topping up the Swirl Card is straightforward and can be done in various ways, including at Payzone outlets, online using a debit or credit card, or through IBAN transfers. The card’s mobile app enhances user experience by providing features like viewing transactions, managing limits, and instant card suspension in case of loss or theft.


Benefits of the SWIRL Prepaid Mastercard

The Swirl Prepaid Mastercard offers a range of benefits tailored to meet the diverse needs of its users in Ireland. This card combines the convenience of a credit card with the control of a prepaid card, making it an adaptable financial tool for various scenarios. Below are some of the top key benefits of the Swirl Prepaid Mastercard, each accompanied by a detailed explanation:


Global Acceptance

The Swirl Prepaid Mastercard is accepted in over 45 million locations worldwide, including in-store and online venues. This wide acceptance makes it a reliable option for users who travel frequently or engage in international online shopping. The card’s global reach ensures that users can access funds and make transactions conveniently, regardless of their geographical location.

Security and Control

With the Swirl Card, users benefit from enhanced security and control over their finances. As a prepaid card, it limits spending to the amount loaded onto it, reducing the risk of overspending and debt accumulation. This feature is particularly beneficial for budget-conscious individuals or those looking to manage their finances more effectively. Additionally, the card’s security measures protect against fraud and unauthorized transactions.

Easy Top-Up Options

Topping up the Swirl Card is straightforward, with multiple options available to suit different preferences. Users can top up at Payzone outlets, online using a debit or credit card, or via IBAN transfers. This flexibility ensures that adding funds to the card is convenient and accessible, catering to the varied lifestyles of its users.

Budgeting and Financial Management

The Swirl Card aids in budgeting and financial management. By allowing users to preload only the funds they plan to spend, it encourages disciplined spending and helps in allocating funds for specific purposes, such as travel, shopping, or household expenses. This feature is particularly advantageous for users seeking a practical way to manage their financial resources.

Virtual Card Options

Swirl offers free Euro, Dollar, and Sterling Virtual Cards through its app, adding another layer of convenience and versatility. These virtual cards are ideal for secure online transactions and can be a safer alternative to using physical cards, especially for online purchases or subscriptions. The availability of different currency options also makes it useful for users who deal with multiple currencies.

Mobile App Accessibility

The Swirl Card is complemented by a user-friendly mobile app, which provides 24/7 access to account management. The app allows users to view transactions, manage their card, suspend it in case of loss or theft, and perform other essential functions. This on-the-go accessibility ensures that users can manage their accounts and monitor their spending anytime and anywhere.

Prerequisites to Obtain the SWIRL Prepaid Mastercard

  1. Age and Residency: Applicants must be at least 18 years old and currently living in Ireland.
  2. No Credit Checks or Bank Account Requirements: The SWIRL Prepaid Mastercard does not require a credit check or a bank account to open an account. 

About SWIRL Financial Institution

Swirl, operating as Smart Transfer Ltd, was founded in 2005 in Naas, Co. Kildare, Ireland. It has established itself as Ireland’s leading prepaid payment card provider. The company introduced its first prepaid debit card in the UK in late 2006, named Smart Transfer, and then launched the Payzone Worldwide Money card in early 2009 in Ireland, the first prepaid card available in both Ireland and the UK. In 2011, Swirl introduced its flagship product, the SWIRL Mastercard, a chip & pin replacement for the Payzone Worldwide Money card. SWIRL focuses on providing accessible and practical payment solutions to both consumers and businesses within Ireland, with a range of products including SWIRL Prepaid Mastercard, SWIRL FX, and SWIRL Virtual for secure online payments.

Who is this Card for?

The Swirl Prepaid Mastercard is aimed at a diverse range of customers in Ireland, particularly those who prefer the convenience and security of a prepaid card. It suits individuals who are mindful of budgeting and wish to avoid debt associated with traditional credit cards. The card is also ideal for travelers, online shoppers, and people new to Ireland who may find it challenging to open a conventional bank account. Its accessibility and ease of use make it a practical choice for managing daily expenses, travel funds, and online purchases.


Step by Step to Obtain and Activate the SWIRL Prepaid Mastercard

To apply for the Swirl Prepaid Mastercard in Ireland, you can follow these steps:

  1. Visit the Official Swirl Website: Begin by visiting the official Swirl Prepaid Mastercard website. This site provides detailed information and access to the application process.
  2. Download the Swirl Card App: The Swirl Card App is an integral part of the application process. It can be downloaded from the Google Play Store for Android devices or the App Store for iOS devices.
  3. Create an Account: Open the Swirl Card App and start the registration process. This involves entering your mobile number and verifying it through a validation code sent via SMS.
  4. Complete the eKYC Process: Once your mobile number is verified, complete the electronic Know Your Customer (eKYC) process. This step is crucial for your account to be activated and ready for use.
  5. Add the Swirl Card to Your Account: After successfully completing the eKYC, add your Swirl Card to your account in the “Cards” section of the mobile app. This step is necessary before you can start using the card.
  6. Top Up the Card: You can top up your Swirl Card at over 2,500 Payzone retailers across Ireland, online using a debit or credit card, or by transferring funds from your bank account. The top-up process is designed to be straightforward and user-friendly. After topping up, it can be used for payments anywhere that Mastercard is accepted​​.
  7. Start Using Your Card: Once your card is topped up, it is ready for use. You can make purchases online, in-store, over the phone, and withdraw cash from ATMs wherever the Mastercard logo is displayed.

Note: The card can also be purchased at any participating Payzone outlet for a fee.

Positives and Negatives of the Card


  • No risk of overspending or debt, as it’s a prepaid card.
  • Accepted in over 45 million locations worldwide, including online.
  • No credit checks or bank account required for application.
  • Convenient for budgeting and managing finances.
  • Offers virtual cards in multiple currencies for secure online transactions.
  • User-friendly mobile app for account management and monitoring.


  • Fees for certain transactions, ATM withdrawals, and top-up methods.
  • Limited to Euro, US Dollar, and Sterling, with separate cards for each currency.

Fees and Tariffs

The main costs associated with the Swirl Prepaid Mastercard are as follows:

  • Top-Up Fees:
    • Payzone: €2.99 for amounts between €10-€350, €3.99 for €351-€500
    • Debit Card: 99 cents for up to €500
    • Bank Transfer: Free
  • Transaction Fees:
    • Purchases: Minimum €0.75 and maximum €2.95
    • ATM Withdrawals: Flat fee of €1.50 (additional ATM operator fees may apply)
  • Account Maintenance Fees:
    • Monthly account fee: Free 
    • Inactivity fee: €3.50 per month if the card is not used for two consecutive months

Customer Service

To seek assistance or more information about the Swirl Prepaid Mastercard, you can use the following official channels:

  • Official Website: For comprehensive information about the card, visit Swirl’s official website.
  • Customer Help: For customer support and FAQs, you can access the help section on their website at Swirl Customer Help.
  • Contact Form: For specific queries or support, fill out the contact form available at Swirl Contact Us.

Over the Phone: You can reach a Swirl customer representative at the number: 01 6877 985