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Benefits / Swirl MasterCard


100% Acceptance

No bank account required. No credit checks.

The Swirl Prepaid MasterCard® provides you with access to a MasterCard® without the need for credit checks or a bank account. It's simple, purchase a card online now and we will send you a card by post today. Alternatively, pick one up from your local Swirl distributor and start availing of these benefits straight away.

Guaranteed instant approval today

100% acceptance if you are 16 or older and live in Ireland with a valid Driving Licence* or Passport. Open an account without documents, interviews or delays. No minimum income, minimum balance, or employment requirements. Purchase in store or purchase online within minutes.

*We can only accept your Driver's Licence if it is issued in Ireland, UK or Sweden.

Accepted worldwide - just look for the MasterCard® acceptance mark

Use your Swirl MasterCard® in shops, hotels and restaurants WORLDWIDE. Withdraw cash in the local currency from 1.5 million cash machines.

     100% Acceptance Worldwide With Your Prepaid MasterCard | Swirl

Load money at over 2,500 agents

Simply go to any of the 2,500 PayzoneTM agents with your MasterCard and the amount of money you would like to load onto your card. The PayzoneTM agent will swipe the card through his terminal and collect the cash from you. Your Swirl MasterCard® will be topped-up within seconds.

If you have sent a Swirl MasterCard® to your friends or relatives, they can instantly withdraw money you have loaded from any ATM displaying the MasterCard® logo (over 1.5 million ATMs worldwide).