The OPTIMUM card is simple to use. As soon as you have received your card you can be up and running in minutes. Once activated, you just need to load via one of several quick and easy methods and you can start using the card to spend however and wherever you want.

Step 1


You can load your OPTIMUM card in a number of ways. Choose the best way to suit you and load the funds you need.

Debit Card – FREE

You can load your OPTIMUM card using a Debit card via your online account or mobile app. Load is credited immediately.

Bank Transfer – FREE

If you want to transfer money from a bank account, simply use the details below in branch, via internet banking or by phoning the bank. Load will be credited on the same day we receive the funds.

Recipient Bank: Barclays Bank
Recipient Account Name: Prepay Technologies Ltd
Sort Code: 20-03-53
Account number: 03125084
Payment Reference: MUST be the 14 digit account number on the BACK of your OPTIMUM card

Wage Transfer – FREE

To get your wages paid directly onto your OPTIMUM card, all you need to do is download and print off this form, complete the details and return it your employer. Simple.

From there, your wages will be paid onto your OPTIMUM card straight away and you can use it to manage your spending.

If you have a restricted card, we strongly recommend upgrading to a full card, before setting up a wage transfer.

At any Post Office – £2 charge

You can load cash at any Post Office counter. Load will be credited on the next business day. Click here to find your nearest Post Office.

At any PayPoint location – £1.50 charge

You can also load at any PayPoint outlet. Load amount will be credited immediately. Click here to find your nearest PayPoint outlet.

Credit Card – 4% charge

You can also load using a credit card via your online account or mobile app. Load is credited immediately.

Step 2


Secure, flexible spending at home or abroad. Shop securely online or instore, anywhere you see the Mastercard acceptance mark – over 36 million locations worldwide.


The OPTIMUM card is Contactless meaning that you can just tap and pay to quickly make everyday purchases. No more digging in your pocket for spare change. Use it wherever you see the Contactless symbol for transactions up to £30.

Step 3


Manage your money wherever you are with the OPTIMUM card mobile app or online with your MyAccount portal.

myoptimum card App

Download myoptimumcard app from the Apple (coming soon) or Android app store. Once you have the app installed you can use it to:

  • View your balance and all transactions in real-time
  • Load funds
  • Set alerts and notifications
  • Manage your details

Your app is protected by a passcode and we’ll never store any of your financial details on the phone.

Myaccount online

Alternatively log into your OPTIMUM myaccount online to manage your account.

  • View your balance and all transactions in real-time
  • Load funds
  • Set alerts and notifications
  • Manage your details
  • PIN reveal
  • Order statements
  • Apply for an additional card

Step 4


Want to share your account with a loved one?

Whether it’s your partner, a child off to university or travelling abroad, even a flatmate or trusted friend, give them an easy way to access spending money when they need it with an additional card, tied to your main account balance. They can only spend what is loaded onto the card, so you stay in control.

Apply for an additional card by logging into your online myaccount


Apply Now

Simple, secure shopping with the OPTIMUM Prepaid Mastercard




Take control of your money and load, shop and manage your account in many different ways.


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 is a registered trademark of Mastercard International Incorporated.