Free Top Up

To top up your OPTIMUM card for FREE – simply pay by debit card or set up a regular bank/wage transfer. You can download the Bank Transfer sheet with all the details. Right click the image below and 'Save Target As...' to download.

Bank Tranfer


Free top up at The Post Office

Alternatively, simply pop into your nearest Post Office® branch with your card and top up with cash.
Click here to find your nearest Post Office.

Free Top Up

Cash top up locations

Post Office®/PayPoint

Your OPTIMUM card can be topped up with cash at any Post Office® branch or PayPoint outlet - over 34,000 locations throughout the UK.
Hand over your card and pay the money you want to top up.
Always remember to ask for your receipt.

Free top up at The Post OfficeFree Top Up at PayPoint

To find your nearest top up location click on Post Office® or PayPoint.
NOTE: A minimum top up of £10 applies. A maximum top up limit of £500 applies at Post Office® branches and £499.99 at PayPoint outlets. Top up fees apply at PayPoint. Post Office® top ups take one business day (Mon - Fri) to be available on your card.

Top up pack


Top up pack

To top up your OPTIMUM card with a top up pack, simply follow this 1,2,3:

1. Take the pack to the till along with the amount you want to add to your card (between £20 and £500). A one-off fee of 99p will be taken off your balance

2. Go to 'Your account' on the OPTIMUM website

3. Select 'Top up', choose the 'top up pack' option, scratch the panel on the card and enter the 8 digit code.

NOTE: We recommend that you retain your receipt from where you purchased your top up pack

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Free Top Up


MasterCard® Acceptance MarkOPTIMUM lets you take out cash 24-7 from any cash machine with the MasterCard® acceptance mark.

Right now there are more than 1 million cash machines in over 200 countries!

So now you don’t need to carry any more cash than you need. What’s more, you can get cash out across the UK and abroad. To find your nearest ATM cash machine in the UK, CLICK HERE .

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Free Top Up


Using your card abroad.

Fees stated below are based on card usage, and not on cash withdrawals:

If you are on a Pay As You Go tariff, you will pay a 1% surcharge on each foreign exchange transaction. If you are on a Monthly tariff, you will pay 2.95% on each foreign exchange transaction.

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