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The OPTIMUM Prepaid Mastercard is only £5 to buy. With that you get your Contactless OPTIMUM card and access to the MyOptimumcard mobile app and online portal.

There are no transaction costs for spending on your card in the UK.There are some other costs associated with your card and full details are below:



Card application fee £5.00
Monthly Management fee £1.99. This will be deducted from your Available Balance
Cash withdrawal at ATM 2.95% (additional fees may be charged by certain ATM providers)
Transaction fee (point of sale & internet) Free
Additional foreign transaction fee 2.75%
Standing order/bank top-up Free
Top-up – debit card Free
Top-up – Post Office branch £2
Top-up – PayPoint £1.50
Top-up – credit card 4%
Internet gambling fee £1.50
Calling Customer Services £1 charge per call. This will be deducted from your Available Balance
Replacement card £5.00
Additional card £5.00
PIN change at ATM 20p
Cancel card/redemption fee (if applicable) £5.00
Upgrade from restricted to full card Free
Accessing My Account from your mobile phone or Optimum app Standard network charges apply

Spending & load limits

When you apply for an OPTIMUM card we’ll need to verify your identity against the information you’ve supplied, so we know it’s you. If it’s not possible to do a full ID check, we’ll set your card at a reduced spending limit, with a maximum spend of £3,000 a year. Up to £1,000 of this can be withdrawn from ATMs. If you have a reduced spending limit your maximum spending limit per single transaction is £600.

It is possible to increase this limit, but we’ll need you to send us documents so we can check your ID fully. See how to upgrade your card here.

PayPoint outlets

Min amount – £10
Max amount – £499.00 per transaction
Transfer time – Load credited immediately
Find your nearest PayPoint outlet

Post Office

Min amount – £10
Max amount – £250 per transaction, £500 per Day, £1000 per Week, £2000 per Month, £15000 per year
Transfer time – Load credited immediately
Find your nearest Post Office

Standing Order or Bank Transfer

Min amount – £10
Max amount – Up to maximum account balance
Transfer time – Load credited on the next business day

Via My Account or OPTIMUM App

Max amount – £500 per day
Transfer time – Load will be credited when we receive your money. If we receive the funds on a business day, we will credit your account on the same business day.

Debit or Credit card

Min amount – £20
Max amount – £500 per day
Transfer time – Load credited immediately
A maximum of five debit or credit cards can be registered to your Account via the OPTIMUM App or My Account. Only one debit or credit card can be used per load transaction. You must have registered your debit or credit card with your bank for ‘Mastercard Secure Code’ or ‘Verified by Visa’ to use this service. If you change details of your debit or credit card we may ask for additional time to approve your load. The address of the debit or credit cardholder must match the address given by you for your Account.

Account / card limits


OPTIMUM card (reduced spending limit)

Household limit 4 accounts 1 account
Mobile phone number limit Only one account per mobile phone number Only one account per mobile phone number
Additional cards 4 cards N/A



Choose the best way to load your card with the funds you need including debit card, bank transfer or any PayPoint or Post Office location.


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.