Frequently Asked Questions

Euro Mastercard FAQs

SWIRL Card is a prepaid Mastercard that will let you top up and make payments online, in store and withdraw cash from over 45 million locations worldwide. Learn more here.

Download our Mobile App here and we will send you a card FREE of charge. Alternatively you can purchase a card from over 2000 payzone agents nationwide. You can find your nearest agent here.

Yes, you will need to create a SWIRL Card Account via our Mobile App and add your card to it. Once your card has been added successfully it will be ready to use straight away.

You customer number can be found on the back of your card in the bottom right hand corner.

Yes, your SWIRL card gives you access to cash from over 2 millions ATMs worldwide.

You can top up in retail by visiting your local Payzone store, by Debit or Credit card online or by bank transfer

You can see all card costs and fees here

To log in you’ll need to make sure you are entering the password that you set when creating your account. If you see “unauthorised” or “invalid credentials” you will need to reset your password by clicking on the “Reset Password” link. A link to reset your password will be sent to you by email and SMS.

You can log in to your SWIRL account at any time via the SWIRL Card App. You’ll find all your transactions here and can track your spending and view your balance. You can also retrieve your balance by text. Simply text “balance” and the last 4 digits of your customer number to 51155.

The PIN code for your card can be viewed under the “Services” section of the Mobile App.
Alternatively, you can text “PINCODE” followed by the last 4 digits of your customer number to 51155 and your code will be sent to you by text.

You can suspend your card from within the Mobile App to restrict any unauthorised spending. Once this has been done, please contact our helpdesk to have a replacement card sent to you.

Your card can be used at over 45 million locations worldwide ! This includes online, in stores and at ATMs.

Some merchants are excluded for regulatory reasons based on their merchant code. These include:

  • Money Transfer Sites
  • Prepay/pay at pump fuel dispensers
  • “Quasi Cash Merchants” such as Coinbase, Binance etc
  • US basedGambling/Gaming sites
  • Video entertainment rental Stores

You may also experience difficulty using your card in the following countries/territories:

Sudan, Syria, North Korea, Iran, Afghanistan, Belarus, Bosnia & Herzegovina, Burundi, Central African Republic, China, Crimea, Cuba, Democratic Republic of the Congo, Guinea, Guinea – Bissau, Haiti, Iraq, Lebanon, Libya, Maldives, Mali, Montenegro, Myanmar, Nicaragua, Palestine, Qatar, Russia, Serbia, Somalia, South Sudan, Tunisia, Ukraine, Venezuela, Yemen, Zimbabwe

You can suspend your card in your SWIRL App to prevent any further unauthorised transactions. If you don’t have access to the SWIRL App, please contact our helpdesk through e-mail, live chat or by phone and we can help with this. You can also use these channels to contact us and we will arrange for a free replacement card to be sent to you.

You should first contact the merchant directly as this is usually the fastest method of having your funds returned in cases where the transactions are unauthorised or if you haven’t received goods or services paid for. If the merchant is unable/unwilling to help you, you can contact our helpdesk and we will assist you with opening a dispute for the transaction/transactions. You will need to contact us and return the relevant dispute form within 60 days of the transaction. You can view and download the dispute form by clicking here

Not at all ! You can top up your card in a Payzone retailer and then add it to your account

If you have made a payment but the merchant hasn’t received it or they have advised there is an issue with the order, your transaction may be pending. The funds will usually return to your balance after 7 days. Please contact our helpdesk for more information.

This is no problem once the transaction to be refunded was made with the card originally. Once the refund is processed, the funds will return to your card automatically.

You can view your recent transactions in by clicking on “History” in the SWIRL Card App. If there are transactions that you don’t recognise please suspend your card and contact our helpdesk immediately .

You can withdraw up to €500 per day from the ATM.

Until eKyc has been completed, you can top up your SWIRL Card by €1000 per day

Once you have created your account your available top-up limit will be visible within the SWIRL Card App by clicking on the “i” button on the “Home” screen.

You can download our Mobile App here and we will send you a FREE card within 1-2 working days.

Unfortunately not, each individual must create their own account with SWIRL Card and we will send them a FREE card directly.

  • Log in to your account within the SWIRL Card Mobile App.
  • Click on the “Services” menu option and then click “Reveal IBAN”.
  • Use your unique IBAN details to set up your bank transfer or provide these details to the party sending your payment.
  • You’ll receive an e-mail once your funds are loaded to your card.

We would always suggest checking ahead with your chosen car hire company as this will differ from desk to desk.

Of course ! Just enter your card details as normal when prompted at the payment stage.

You can add multiple SWIRL Mastercards to your SWIRL Card account via the Mobile App. The maximum you can load will be calculated by account and not by card. If you require more information please contact our Customer Service Helpdesk +353 (0) 1 687 7985.

We recommend redeeming the remaining funds by using up all available funds in-store, online or through an ATM. Additional information is available in the Terms and Conditions on the website. There is a €15 redemption fee for cashing out remaining funds on the account into your bank account.

If you are topping up in a Payzone outlet or online with your debit or credit card, you can load €500 per transaction and load up to €1000 per day. If transferring by IBAN you can load €1000 per transfer/per day.

If you top up in store or by debit card your funds will load to your card right away. Bank transfers will take 1-2 business days to reach your card.

Simply log in to your account via the Mobile App and on the “Home” screen you will be able to choose the amount you want to top up by. If you proceed to the next screen you will be asked to enter your payment details.

Please make sure there are no spaces at the beginning or end of your e-mail. This should resolve the issue.

You’ll need to provide a valid mobile number as well as your name, date of birth, address, phone number and e-mail. You may be asked to complete our eKYC process before you can start using your account!
Once you are over 16 years of age and are resident in Ireland, you can create a SWIRL Card account. You won’t need to fill in any lengthy forms or provide any documents when purchasing a card in store or creating an account on the SWIRL Card App.
In some cases, you may be asked to complete our eKYC process before you can start using your account. In addition, we may reach out to you for additional documentation such as proof of address or source of funds.
You can top up when getting the card in store. However, before you can top up online or start using your funds you will need to create an account and add you card using the SWIRL Card App. You may be asked to complete our eKYC process before you can start using your card.

Yes, you can use your SWIRL card worldwide !

It stands for Payment Services Directive Two and is a European regulation for electronic payment services. Its aim is to make payments more secure and improve consumer protection and technologies for the financial sector.
When making a payment online, you may be asked to validate the payment by an additional security factor. This may be a one time passcode (OTP) sent to your mobile phone or you may see a list of transactions and be asked to confirm a recent transaction you have made.
The PSD2 legislation aims to make payments more secure for consumers and reduce fraud and loss of funds. The directive will also encourage organisations in the financial sector to implement better technology and encourage competition.
It’s not possible to opt out unfortunately.
First it’s best to check you have the correct phone number registered to your account with us. You can view this under the “Edit My Profile” within the SWIRL Mobile App. If your phone number is correct and you still haven’t received the code, you can contact our helpdesk and we can assist further.
Please contact our helpdesk by live chat, contact form or e-mail and we’ll get it updated for you as soon as possible.
Strong Customer Authentication (SCA) is a security measure that improves your protection when accessing your account online. You may receive an sms code that will need to be entered online in order to verify your login on the SWIRL App.
It’s not possible to opt out unfortunately.
Please check that your phone number is correct in your online account and that your phone is powered on/has sufficient reception to receive the code.
Yes, Face/Touch ID can be used in the SWIRL App which can be downloaded for free on iOS and Android.
Yes ! You can use the FREE SWIRL App to transfer funds from your account to any other mobile number (Irish mobiles only).
You can transfer funds to anyone with an Irish mobile number.
If the receiver has a SWIRL Card account already set up, the funds will arrive instantly. If not, they will have to create a SWIRL Card account before they can access their funds.
If the receiver has a SWIRL Card account already set up, the funds will arrive instantly. If not, they will have to create a SWIRL Card account before they can access their funds.
Transfers are FREE !
Yes, you can send Euro, US Dollar or sterling.
SWIRL Employee Gift card

Gift Card FAQs

The SWIRL gift card can only be loaded once.

You can top up between €15 and €1000.

You can add multiple Gift Cards to your account provide you do not exceed the yearly limit. All Gift Cards must be registered by the accountholder and end user

Once the card is registered, you can log in to your account online or in the SWIRL app. You can also text the word “Balance” and the last 4 digits of your customer number to 51155.

The card can be used online as normal, just enter your card details and the CVV. In store, you can swipe your card through the machine and a receipt will print for you to sign.

You can quickly suspend your card via your app. Please contact our dedicated helpdesk or send an e-mail to and we will be happy to send a replacement.

This is no problem once the original payment was made using your gift card.

Please contact our dedicated helpdesk or send an e-mail to and we will be happy to help

Orders normally arrive within 5 – 7 days.

Please contact our dedicated helpdesk or send an e-mail to and we will be happy to help.

SWIRL GIFT does not have a chip/PIN. In store, it is used as a swipe and sign card.

Ordering Employee Rewards

Our cards can be loaded from €10.00 – €500.00, and load amounts can vary. If you want to load a value >€500 we will have to split this across two Gift Cards.

This is to comply with Mastercard regulations. As the cards can be used anywhere online or in shops worldwide with no restrictions then they must be linked to an individual.

Please see our pricing matrix below

The fees we charge are inclusive of the cost/admin/postage of the card. Unlike other gift card providers, SWIRL does not receive a % of the funds spent on the card back from the merchant. At SWIRL there is no purchase/transaction fees so whatever is loaded on the card is available to the customer to spend. The price we charge needs to at least cover some of the costs we incur for the provision of the service

Yes of course, we just need a list of names and addresses (preferably excel format), and we can post out directly. Typically, a charge of €1.50 per card will be applied to the order to cover postage.

The gift card does not come with a PIN number, nor is it contactless, it is used the same way as other in-store gift cards and just swiped at the merchant’s terminal for a sale.

There is no yearly fee, however, 12 months after the date on which your card was activated a €3.50 monthly account fee will start to be applied to your card. This fee will not be applied to your card if there are no funds available. In our experience, recipients typically have the funds on the card spent within this timeframe.

Unfortunately, cardholders must be resident in the Republic of Ireland in order to activate and use the card.

Our designated holding account for transfers is with a German bank called Banking Circle who are a partner of our card issuer EML Money DAC.

Yes, SWIRL Gift cards can be used as part of the small benefits scheme in Ireland where employees can receive a bonus of up to €1000 per year. This bonus is a once-off, tax free benefit and does not qualify if given as cash or through payroll but it can be in the form of gift cards like SWIRL.

Yes, these can be found here and a physical copy of these is available on request.

Cards cannot be personalised as they are mass produced and already onsite. However, we may be able to personalise the attached letter & Instructions with a message from your company. Please contact us directly for more information on this.

Unfortunately, our gift cards are only available in Euro.

Unfortunately, our gift cards only allow one top up.

Once a card is registered, we will be able to locate the card in our system and replace the card free of charge with the remaining balance transferred over.

We have a dedicated Irish Based helpdesk, live chat and email for your staff to contact if they are experiencing any issues using their card.

No, unfortunately we currently do not offer a digital version of our gift card but it is something we plan to have in the future.

Our gift card is a MasterCard and can be used in over 45 million locations worldwide both in store and online. To use in store, you simply swipe the card and sign a recipient there is no chip and pin with our gift card. *While the card can be used at any location accepting of MasterCard, it is up to the individual store if they can accept the form of payment.

The card is unfortunately not compatible with these services currently, but it is a feature we hope to add in the future.

There is a €3.50 maintenance fee that will be applied 12 months after the funds are loaded onto the card, we rarely see this applied as the funds are typically spent within the 12 months.

The cardholder can spend the full amount as they wish with no restrictions or purchase fees.

We can send you a copy of our Corporate Gift brochure which includes some testimonials/customers who have used our card in the past. We can also send you additional testimonials if required. Unfortunately, we cannot disclose our client contact details to new prospective customers.

Most of the reviews are in relation to our reloadable card which is a slightly more complex product. We have an Irish based helpdesk here in Naas Co. Kildare, with a small team of 3 customer service reps who work hard to provide excellent support for our customers should any issues arise.

Yes, we will aim to complete these as thoroughly as possible however sometimes not all information requested is relevant to us.

Virtual Card FAQs

SWIRL Virtual has been designed to offer you all of the functionality of your physical card but in virtual form. SWIRL Virtual is an even more secure way to make payments and is great for managing funds and payments.

Simply log in to the SWIRL App and select a virtual card from the drop down menu at the top of your screen. You can then load funds and use your virtual card to make payments.

Virtual cards are available for FREE in your account on the SWIRL App.

SWIRL Virtual is currently available in Euro, US Dollar and Sterling.

Yes, you can have a card in each currency but the total loaded is calculated across your account and by card. You will need to complete the eKYC process via our Mobile App before you can access your funds.

Dollar/Sterling Mastercard FAQs

Our FX cards are available in US Dollar ($) and Pound sterling (£)

There are no point of sale fees when your payment is made in the local currency. Loading will cost €2.99 in store or 99cent online through your account with a debit card.

Download our Mobile App here or purchase a card from Payzone retailers nationwide.

The exchange rate is updated every 30 seconds to give you the best and most competitive rates available. This will differ from day to day and will always be shown to you before you top up, whether that’s online or in store.

You will make your payment in euro and your chosen currency will be loaded to your card. The exchange rate will be presented to you before any money is loaded to your card.

Cash loading isn’t available abroad but you can top up instantly using your debit card for just 99cent.

With a SWIRL FX card, you can lock in the best exchange rates when topping up. You can then spend abroad in the local currency and wont incur any currency exchange fees. SWIRL FX also allows you to load funds in advance for saving and also to keep funds separate while abroad.

Watch this space ! IBAN loading will be available soon.

Make sure you suspend your card via the Mobile App. We can replace your card free of charge. Please contact our helpdesk.

You can top up in payzone retailers nationwide or through your online account using a debit card.

You will make your payment in euro and your chosen currency will be loaded to your card. The exchange rate will be presented to you before any money is loaded to your card.

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