*Subject to Fair Usage. Please see T&Cs for details.
| Total Load Value | Card Fee | Admin Fee | Bulk Delivery | Individual Delivery | |
|---|---|---|---|---|---|
|
Under €20,000 |
€4.00 per card |
FREE |
€1.55 – €6.95 |
€ 1.55 Per Card
|
|
|
€20,000 and above |
FREE |
€24.99* |
€6.95 |
€ 1.55 Per Card
|
|
| Card Fee | Card Handling Fee | Bulk Delivery | |
|---|---|---|---|
|
€4.99 per card |
1.95% of total card load value |
€1.55 – €6.95 |
|
*Delivery fees may apply for orders less than or equal to €2,000.
As an employer in Ireland, you can reduce tax and PRSI costs by using the Small Benefits Exemption Scheme. This allows you to give employees up to €1,500 in non-cash gifts like a SWIRL Card, completely tax-free.
You can give up to two benefits per year, with a combined total not exceeding €1,500. Any unused allowance can’t be carried forward, and only the first two benefits qualify for exemption.
Calculate your potential tax savings with our easy to use Small Benefit Calculator.
Enter the number of employees you’d like to send SWIRL Gift cards to.
Enter the amount you want to load onto each SWIRL Gift card.
| Through Payroll | Through SWIRL Gift Card | |
|---|---|---|
| Reward (Net) | €0.00 | €0.00 |
| PAYE @ 40% | €0.00 | €0.00 |
| USC @ 8% | €0.00 | €0.00 |
| PRSI (EE) @ 4% | €0.00 | €0.00 |
| Subtotal | €0.00 | €0.00 |
| Employer PRSI @ 11.05% | €0.00 | €0.00 |
| Total Cost | €0.00 | €0.00 |
| Total Savings | €0.00 |
Note: The tax-free benefit values shown are based on Ireland’s Small Benefit Exemption scheme (2025). Tax laws and exemption limits may differ in other countries. For accurate guidance, please consult your local tax advisor or relevant tax authority.
Account Maintenance Fees
| Online Registration | PIN Reissue | Monthly Account Fee |
| FREE | FREE | FREE** |
Transaction Fees
| Purchase | ATM |
| N/A | N/A |
