By using this website, you agree to be bound by our Terms of Use and consent to the use of cookies in accordance with our Cookie Policy.

Swirl Prepaid Mastercard

€0 card no annual fee €0* monthly fee

Card details

  • The minimum age for the card is 16 years.
  • There is no minimum income requirement.
  • Available to new and existing customers.
  • The Government annual stamp duty is €5.
  • MasterCard This card is accepted everywhere you see this sign.
  • * 3.50 inactive account fee applied if card is not used at least once every two months. 5.95 cost applied if not topped up on purchase.


Swirl Prepaid Mastercard

€0* monthly fee

Fees & charges

Top-up charging tiers

Top up Swirl card online instantly using Visa debit card for €0.99.

Top up charges for Payzone Outlets (maximum single load €500):

€2.99 for top up of €10 - €350

€3.99 for top up of €351 - €500

Bank charges

  • 2.95% (minimum €0.75, maximum €2.95).
  • €1.50 ATM/Cash withdrawal fee.
  • 5.00% foreign exchange rate.
  • Bank account not required.
  • Credit check not required.
Top-up charges
Bank transfer FREE
Debit card €0.99
Credit card n/a
Cheque n/a
Maximum single top-up €2,500
Chip and PIN Yes

Swirl Prepaid Mastercard

€0* monthly fee


Here's what our customers say about us

Independent Service Rating based on verified reviews. Read all reviews

Quick and Easy

We’re Ireland’s leading price comparison and switching site. We’re free to use and make comparing prices across suppliers quick and easy!

Save Time and Money

We save you time by bringing you all the best deals in one place. Every year we help tens of thousands of customers to switch and save money!

You Can Trust Us

We’re 100% impartial and are also accredited by the Commission for Regulation of Utilities (CRU) as an impartial, accurate and independent supplier of energy price comparisons.