Ireland's Favourite Prepaid Mastercard
Swirl Card
Free Card available online or in the SWIRL App. Accepted in over 45 million locations worldwide, in store and online, wherever you see the Mastercard logo. Make secure payments and instant transfers to family & friends. The safest way to pay.
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Why Use Swirl?
- Shop safety and securely online and in-store.
- Manage your account 24/7 with the SWIRL App.
- Get FREE Euro, Dollar and Sterling Virtual Cards in the SWIRL App.
- Make instant transfers to family and friends.
- Use worldwide at millions of locations, including ATMs.
- Make contactless payment on the go.
- Budget effeciently and avoid debt.
Why Use SWIRL








SWIRL Virtual
SWIRL Virtual is designed to offer you the same functionalities of a prepaid card, without the need for a physical card. This means that you can top it up and use it to shop online with added security and peace of mind.
SWIRL Gift cards can be used as part of the small benefits scheme in Ireland where employees can receive a bonus of up to €1,500 per year! Our Mastercard Gift Card can be used worldwide online and in shops, wherever you see the Mastercard sign.
SWIRL Mastercard Gift Card gives employees a world of choice.
The Perfect Travel Companion
- Use your card for saving before you travel.
- Avoid carrying large amounts of cash.
- No risk of overspending.
- Protect your current account and avoid theft while abroad.
- Top up your card online while you're away.

4 Essential Tips to Prevent Your SWIRL Card from Being Declined
Using your SWIRL prepaid Mastercard online or in-store should be hassle-free. To avoid declined transactions, check out our four essential tips to save time and frustration.

4 Tips to Unlock Mid-Term Adventures in Ireland with SWIRL Mastercard
Planning an quick adventure with friends & family during the upcoming mid-term break? Here are 4 top-tips to help ensure your finances stay safe & secure using a SWIRL Prepaid Mastercard!