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Optimum Pay As You Go Card - PAYG Credit Card

Optimum Pay As You Go Card - PAYG Credit Card

Optimum Pay As You Go Credit Card

The Optimum pay as you go card is a payment card which you can load with money by easy automatic top up from a bank account, wage transfers, with cash or a credit/debit card.

Your Optimum pay as you go card looks just like a credit or debit card, with a card number, chip and signature strip and can be used wherever MasterCard cards are accepted worldwide.

Optimum pay as you go 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 pay as you go 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.

Optimum pay as you go card allows you to transfer money - FREE . This way, you can securely enjoy your money in shops, on-line and across the world when you are on holiday.

You can even get an extra card for family and friends, so you can quickly and safely share your money.

Top Up Information

Optimum PAYG 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 Pay As You Go 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:2.95%
Transaction Charges Overseas:2.95% + 1% surcharge
Monthly Subscription Fee:Free
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

Optimum PAYG Credit Card

The decision to accept will only be made by Optimum pay as you go card, after they have taken your details, confirmed your ID and received payment.

You could have your new Optimum pay as you go card, sort code and account number in seconds and your pay as you go MasterCard will be delivered 5 to 7 days later.

To apply for your new pay as you go account simply complete the short application below and pay as you go 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.
  • Company Details

    Optimum Payg Card

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

    Website Screenshot

    Optimum Payg Card

    Company Location

    Account Type

    • Sterling PAYG Cards Sterling PAYG Cards

    Application Criteria

    • ID Required ID Required

    Loading Facilities and Fees

    • Bank Transfer (TT) Bank Transfer (TT)
    • Chaps Chaps

    Transaction Fees and Charges

    • Foreign ATM Fee Foreign ATM Fee
    • Foreign Transaction Fee Foreign Transaction Fee
    • UK ATM Fee UK ATM Fee
    • UK Transaction Fee UK Transaction Fee
    • USA ATM Fee USA ATM Fee
    • USA Transaction Fee USA Transaction Fee


    • No Bank Account No Bank Account
    • No Credit Check No Credit Check


    • Mobile Banking Mobile Banking


    • United Kingdom United Kingdom