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There are many benefits of an OPTIMUM Prepaid Mastercard. It allows you to take control of your money and load, shop and manage your account in many different ways.


Keeping your money safe and secure is our number one priority.

With OPTIMUM you can safely shop online or abroad without giving access to your bank details.

Your card is PIN protected to keep your money secure and your mobile app is protected by a passcode. We’ll never store any of your financial details on your phone.

Global Acceptance

The OPTIMUM Prepaid Mastercard is accepted anywhere that Mastercard is accepted – that’s over 36 million locations worldwide.


Anyone can apply and we accept nearly everyone. We do a quick identity check (not a credit check)when you apply. If we confirmed your identity, you’ll be given a full Optimum card. If we have to do further checks we will give you a restricted card, which still allows you to shop in the UK, but has a few restrictions. So you can still get going straight away.

Ease of use

The OPTIMUM card is Contactless so that you can make quick and easy payments by simply tapping your card to a Contactless reader. You can access your cash 24/7, at home or abroad.

You can even have your salary paid onto your card and spend or withdraw from any ATM that accepts Mastercard.

Manage your money

Manage your money at the touch of a button via an intuitive mobile app or online account. OPTIMUM makes it easy to manage your budget. Keep track of your balance and transactions in real-time and only load what you need.


Want to share your account with a loved one? Share money securely and easily with an optional additional card for family or friends.



Access your OPTIMUM Contactless or OPTIMUM Classic account


Need help? View our FAQ section VIEW FAQ'S

We are legally required to confirm your identity when we receive your application. As long as we can do this, you will receive a card that allows you use all the great stuff Optimum has to offer. If we are not able to fully confirm your identity, you may receive a card that still lets you shop everywhere in the UK, but which has limited functionality.
The Optimum Prepaid Mastercard® is issued by PrePay Technologies Limited pursuant to license by Mastercard International Incorporated. This card is an electronic money product. PrePay Technologies Ltd, is authorised and regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.