Founded in Naas, Co. Kildare in 2005, Smart Transfer Ltd—operating as SWIRL Card—has become Ireland’s leading prepaid payment card provider.
At SWIRL, our goal is to deliver accessible, practical, and flexible payment solutions for both consumers and businesses across Ireland.
In 2006, SWIRL launched its first prepaid debit card, Smart Transfer, in the UK, offering easy purchase and top-ups via the Payzone retail network. Building on this success, the Payzone Worldwide Money card was introduced in the UK in 2008 and launched in Ireland in 2009—becoming the first prepaid card available in both markets.
SWIRL cards offered a hassle-free alternative to bank and post office queues, with competitive exchange rates available online or through Payzone agents. In 2021, in response to market trends and the growth of the SWIRL Mobile App, we introduced SWIRL Virtual—secure virtual cards for online payments, subscriptions, budgeting, and more.
At SWIRL, our mission is to empower individuals and businesses across Ireland with smart, secure, and accessible payment solutions.
We are committed to delivering innovative prepaid card products and services that simplify financial transactions—whether for personal spending, corporate rewards, or international payments.
By combining convenience, flexibility, and user-friendly technology, we aim to make everyday payments seamless, inclusive, and practical for everyone.
All SWIRL cards are backed by Mastercard’s world-class fraud protection and security standards, ensuring your money is always safe and protected. The Swirl app allows real-time monitoring of your transactions and balances. You can instantly suspend your card if needed, providing immediate control over your account.
Join thousands of users who trust SWIRL & Mastercard for their everyday payments.
Download the SWIRL Card App today and experience smart, simple, and secure payments — right at your fingertips.
