The OPTIMUM card is a Prepaid Mastercard. It isn’t a debit card, but it can be used in exactly the same way to shop online, by phone or in high street stores, at home or abroad.


The card

It’s a card that you load with money before you shop. If it’s running low you simply load more cash onto it, and you don’t need a bank account or a credit check to get one. You might not want a credit card, or you might already have one but want something a bit more convenient that puts you, and nobody else, in control of your money.

The great thing about the OPTIMUM card is you can only spend the money you’ve put on the card, so there’s less chance of spending more than you bargained for when you’re out and about.

A card for everyone

A card for everyone

You don’t need a bank account to get an OPTIMUM card, so you can keep your day-to-day spending money and your bank account separate.

Whether you want to use it to help you budget, for added security and peace of mind when shopping online or abroad, or to provide extra funds to a friend or family member the OPTIMUM Prepaid Mastercard is flexible and convenient.


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Simple, secure shopping with the OPTIMUM Prepaid Mastercard




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

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.