Topping up your SWIRL Card by IBAN Transfer

Why top up from your bank account?

  • Convenient and secure.
  • Save the transfer details in your online banking so that your next transfer is even quicker.
  • Top up any amount - no need to perform multiple transactions for large top ups.
  • Top up your card while on holiday.
  • Top up from the comfort of your own home rather than carrying large amounts of cash to top up in store.
  • Send the Mastercard to friends and family abroad and top it up using your bank account - a much cheaper alternative to traditional money transfer services.

How To Top Up Using Your Bank Account

Topping up your card from your bank account is easy. Just follow these three simple steps:

  • Log into your SWIRL Online account through the website or Mobile App and click on Bank Top Up/Reveal IBAN.
  • Retrieve our bank's details and your unique IBAN to transfer your funds.
  • Use these details to set up a SEPA transfer to your SWIRL Card through your online banking.

Important Information: Please Read!

  • Our card issuer's banking partner, Banking Circle, are based in Germany so when setting up your transfer type you need to select "SEPA Transfer"
  • We cannot currently accept "Urgent/Same Day" transfers so please ensure to select "Standard" for each transfer you make.
  • Transfers to your SWIRL Card will typically take between 1-2 working days to appear on your card.

If you have any questions, or need more information, send us an email to: or contact us via Live Chat on our website.



Download Mobile APP

With our SWIRL App, you have instant access to your account where you can view your transactions no matter where you are. This will help with keeping track of your spending and knowing when your bills and subscriptions are due.

  • View Transactions
  • View Bills
  • Upgrade Limit
  • Reveal IBAN
  • View Subscriptions
  • Reveal PIN Code
  • Suspend Card
  • Live Chat

Our Products

SWIRL Prepaid Mastercard

SWIRL Prepaid Mastercard

Employee Gift Cards

SWIRL Gift Card

SWIRL FX (Sterling)

SWIRL FSX (Sterling)

SWIRL FX (Dollar)

SWIRL FX (Dollar)

Find an Agent

2,500 Top-Up locations

Purchase a card at 1,300 of these stores.

Click below to find your nearest store.