You can place an order by IBAN or Credit/Debit Card payment. For IBAN orders, an invoice with our bank details will be automatically sent to your inbox to complete the payment. If you pay by Credit or Debit Card, an invoice can be provided upon request through our Helpdesk.
Your funds are deposited into a secure client funds wallet that is regulated by the Irish Central Bank. Once received, your order is processed promptly.
Orders are dispatched within 5–7 days after receipt of payment. Note: Funds are loaded until you confirm safe delivery via the link in your confirmation email. Cards cannot be registered before this step.
You can place an order by IBAN or Credit/Debit Card payment. For IBAN orders, an invoice with our bank details will be automatically sent to your inbox to complete the payment. If you pay by Credit or Debit Card, an invoice can be provided upon request through our Helpdesk.
Your funds are deposited into a secure client funds wallet that is regulated by the Irish Central Bank. Once received, your order is processed promptly.
Orders are dispatched within 5–7 days after receipt of payment. Note: Funds are loaded until you confirm safe delivery via the link in your confirmation email. Cards cannot be registered before this step.
You can place an order by IBAN or Credit/Debit Card payment. For IBAN orders, an invoice with our bank details will be automatically sent to your inbox to complete the payment. If you pay by Credit or Debit Card, an invoice can be provided upon request through our Helpdesk.
IBAN orders:
Card payments:
When paying by IBAN bank transfer, cards are priced at €4.00 each for orders under €20,000. For orders over €20,000, cards are provided free of charge, with an administration fee of €24.99 per order. You may select up to 8 different denominations per order.
When paying by card, cards cost €4.99 each and a handling fee of 1.95% of the card load value will apply. You can select up to 8 denominations.
Your funds are deposited into a secure client funds wallet that is regulated by the Irish Central Bank. Once received, your order is processed promptly.
Orders are dispatched within 5–7 days after receipt of payment.
Note: Funds are loaded until you confirm safe delivery via the link in your confirmation email. Cards cannot be registered before this step.
| Total Load Value | Card Fee | Admin Fee | Bulk Delivery | Individual Delivery | |
|---|---|---|---|---|---|
|
Under €20,000 |
€4.00 per card |
FREE |
FREE |
€ 1.55 Per Card
|
|
|
€20,000 and above |
FREE |
€24.99* |
FREE |
€ 1.55 Per Card
|
|
*Subject to Fair Usage. Please see T&Cs for details.
| Card Fee | Card Handling Fee | Bulk Delivery | |
|---|---|---|---|
|
€4.99 per card |
1.95% of total card load value |
FREE |
|
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.
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.
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.
Tax-free vouchers can be used for purchasing goods or services only and cannot be exchanged for cash.
See how much you can save with a €1,500 SWIRL prepaid gift card using our savings calculator.
SWIRL Mastercard Gift Cards can be used at over 45 million locations worldwide, in-store and online — including while travelling. Our Gift Cards work anywhere Mastercard is accepted.
For enquiries, contact our sales team at sales@swirlcard.com.
Account Maintenance Fees
| Online Registration | PIN Reissue | Monthly Account Fee |
| FREE | FREE | FREE** |
Transaction Fees
| Purchase | ATM |
| N/A | N/A |
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