Avoid Debt
Have you found yourself depending too much on credit cards and enjoying the "freedom" of buy now, pay later?
If so, then maybe it's time you started thinking about getting a SWIRL Prepaid Mastercard. Although you may enjoy the convenience of having a credit card, your spending can quickly spiral out of control. So if you're feeling the pressure of growing debt, now is a great time to break free with SWIRL Mastercard.
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A Few Reasons to Dump Your Credit Card
| Credit Card | SWIRL Card | |
|---|---|---|
| Stamp Duty | €30 p.a. on regular credit card. | Max charge of €5 on SWIRL Mastercard; save €25 |
| Interest | Average balance on an Irish Credit Card is €1,600. Interest is paid at a rate of 18% which means you would pay an average of €288 interest p.a. on a credit card. | SWIRL is a Prepaid alternative to a credit card. You can’t run up any debt so you never have anything to pay interest on! |
| Impulse Purchases | Late night ATM withdrawals, shopping online, nights out on credit can be dangerous when you use a regular credit card. | With SWIRL Prepaid Mastercard you can only spend what you load so if you have no money on the card you can't spend it. |
| Late Payment Fees | Increased interest charges, high & immediate interest rates for ATM withdrawals. | Avoid these fees and punitive interest charges by using a SWIRL Prepaid Mastercard. |
Credit Card
| €30 p.a. on regular credit card. | Average balance on an Irish Credit Card is €1,600. Interest is paid at a rate of 18% which means you would pay an average of €288 interest p.a. on a credit card. | Late night ATM withdrawals, shopping online, nights out on credit can be dangerous when you use a regular credit card. | Increased interest charges, high & immediate interest rates for ATM withdrawals. |
SWIRL Card
| Max charge of €5 on SWIRL Mastercard; save €25 | SWIRL is a Prepaid alternative to a credit card. You can’t run up any debt so you never have anything to pay interest on! | With SWIRL Prepaid Mastercard you can only spend what you load so if you have no money on the card you can't spend it. | Avoid these fees and punitive interest charges by using a SWIRL Prepaid Mastercard. |
Control Spending and Avoid Debt
- Set yourself a budget and stick to it!!
- No fear of over-spending as you can only spend what you load.
- Avoid interest & late payment fees as all your payments are prepaid.
- No link to a bank account so there is no risk to your personal details.
Extra SWIRL Card Benefits
- Shop Securely Online
- Sign up for Streaming Services
- The Perfect Travel Partner
- Guaranteed Acceptance
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
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Copyright © 2011-2020 Mastercard is a registered trademark, and the two circles design is a trademark of Mastercard International Incorporated. The SWIRL Prepaid Mastercard is issued by PerfectCard DAC pursuant to licence from Mastercard International Inc. The e-money associated with your card is issued by PerfectCard DAC, authorised by the Central Bank of Ireland under the European Union (Payment Services) Regulations 2018 (Ref C95957).
