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Optimum Prepaid MasterCard

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Optimum Prepaid MasterCard

Optimum prepaid card is not a credit card, which provides you with a line of credit, nor is it a debit card which is linked to a bank account.

This means that with Optimum prepaid card you can't go overdrawn or borrow money– you can only spend the money you have loaded onto it, so you stay in complete control of your money.

What is a restricted card?

A restricted card has a total spending limit of £1,600 per year (12 months starting from date of first Transaction) of which no more than £600 can be cash machine withdrawals.

You cannot top up your card using a debit or credit card. Maximum spending limit per single transaction is £600. Why would a card be restricted?

When you apply for your Optimum prepaid card we are required to undertake an identity check.

In some cases, Optimum prepaid may need a little more information from you before Optimum prepaid can give you an unrestricted card.

If this applies to you, Optimum prepaid will let you know when we send you your card and provide simple instructions on what you will need to do.

Top Up Information

Optimum Card

When you reload your Optimum prepaid card sometimes you will be charged a small fee, depending on the method, however nearly all the providers offer at least one free reload option.

Free reload optionsFeesTimescale
Debit CardFreeWithin 30 min
PayrollFree3 - 5 days
BankingFree1 day
Post OfficeFree1 day

Chargeable reload options

Paypoint3% within 30 mins
Credit Card3% Within 30 min

Prepaid Card Limits

Max Prepaid Card Limit:£5000.00
Maxi top up amount:£5000.00
Min top up amount:£10.00
Max ATM Withdrawal:£250.00

Usage Charges

Optimum Prepaid Card

Some Optimum cards have usage charges and these charges vary depending on what card you have selected. The charges can apply from transactions to ATM withdrawals and some cards have none at all!

Here is a list of usage charges for the Optimum card.

Prepaid Card Application Fee:£9.95 card
Additional Prepaid Cards:£5.00 one additional card
Annual Charges:Free
UK Transaction Fees:Free
Transaction Charges Overseas:2.95% + 1% surcharge
Monthly Subscription Fee:£4.95
UK ATM Fees:£1.50 (2% surcharge over £50 per ATM
ATM Fees Overseas:£1.50 (2% surcharge over £50 per ATM
Cancel Account:£5.00 + 2.5% Surcharge
Replacement Prepaid Card:£5.00

Check Balance on Prepaid Card Account

SMS Message: £0.10 to £1.50
Telephone:£0.10 to £1.00 per minute

£2.50 SMS Payment Fee Surcharge taken at first top up on application - General customer service calls £1.00 / minute.

How to Apply

The decision to accept will only be made by Optimum Card after they have taken your details, confirmed your ID and received payment.

You could have your new Optimum Card sort code and account number in seconds and your prepaid MasterCard will be delivered 5 to 7 days later.

To apply for your new Optimum account simply complete the short application below and Optimum Card will open the account for you instantly. You must be at least 18 years of age to apply for this account.

  • Please select your title.
  • First name is required.
  • Last name is required.
  • Please enter a valid email address.
  • Please enter either home or mobile number.
  • Gender is required.
  • You must live in mainland UK to apply for an account.
  • Select if you have lived at your current address for three years or not.
  • Terms and Conditions apply. Please read and agree to them.
  • Apply Now

    Company Details

    Optimum Prepaid Card

    Apply Now

    Optimum Prepaid Card
    PO Box 3371, SWINDON, SN5 7WJ

    Website Screenshot

    Optimum Prepaid Card

    Company Location

    Account Type

      Application Criteria

        Loading Facilities and Fees

        • BACS BACS

        Transaction Fees and Charges

        • Foreign ATM Fee Foreign ATM Fee
        • Foreign Transaction Fee Foreign Transaction Fee
        • No UK POS No UK POS
        • UK ATM Fee UK ATM Fee


        • No Bank Account No Bank Account


        • Online Banking Online Banking


        • United Kingdom United Kingdom