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.
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.