Benefits / Swirl Mastercard

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.


Credit Card Stamp Duty:

€30 p.a. on regular credit card.

Swirl Card Stamp Duty:

max charge of €5 on Swirl Mastercard; save €25

Credit Card 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 Card Interest Free:

Swirl Card is a Prepaid alternative to credit cards, with a Swirl Card you can not 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.

No Impulsive Purchases:

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.

No Late Payment Fees:

Avoid these fees and punitive interest charges by using a Swirl Prepaid Mastercard.


  • 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