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How it Works / Swirl Mastercard

Get a Card

  • Purchase a card today at any participating Payzone outlet for €5.95. Alternatively you can order a card online for FREE (minimum top up €10 required).
  • The card pack comes with a MasterCard that allows you to load once up to €500 onto the card instantly. In order to spend these funds you must register your card online at www.swirlcard.com.
  • Once this has been done your funds will be available to spend online, in-store or over the phone.


  • All we need is some basic information such as your name, address, email address and date of birth.
  • We will send an SMS Validation Code to the mobile number provided which has to be confirmed to complete the registration.
  • Once your code has been confirmed and you have successfully registered you will be able to reload up to €2,500 onto your card in a 12 month rolling period, and use your card for ATM withdrawals.
  • Your 4 digit PIN will be sent to your mobile phone once registration is complete.

Topping up

  • Simply go to one of 2,500 Payzone agents across Ireland with your MasterCard®. Find your nearest top-up location agent by clicking here.
  • You can also top up your card online using your Debit card for only 99 cents or for FREE by transferring funds directly from your bank account.
  • You can load up to €500 pre registration. Once your card has been successfully registered and verified you can load up to €2,500 per rolling 12 month period. The maximum single top up amount at Payzone retailers is €500, however, multiple transactions can be performed if needed.
  • You can apply to increase your top up limit to €25,000 by logging into your online account and uploading a copy of your passport or driving license. We will have your application processed within 1-2 working days.
  • When topping up at Payzone outlets, or online with your Debit card, your funds will be INSTANTLY available on your MasterCard®. However, transfers from your bank account will take 2-3 days to clear onto your account.
How do prepaid visa cards work

Spend Money

  • Once your card has been registered online you can use your SWIRL Mastercard® to make purchases online, in-store and over the phone.
  • Once you have confirmed receipt of your verification code you can also use your card to withdraw money from ATMs worldwide*.
  • The SWIRL Mastercard® can be used anywhere in the world where the Mastercard® logo is displayed. Please refer to our "Costs & Fees" section for information on charges associated with making transactions on your card.

*The ATM limit on your card will be €1,000. This is the maximum you will be permitted to withdraw from your card in any 12 month period. All other funds can be spent either online or in-store. If you wish to increase the ATM limit on your card you can apply to have your limit increased to €25,000.