Prepaid Debit Cards Ireland

Prepaid  Debit cards are not linked to a bank account and can be used at the majority of online shops and high street stores – in the same way as Credit Cards and normal Debit Cards .

A prepaid card is a payment card that can be loaded with money by you or someone else. You can then use the card to pay bills and make purchases at shops, in person ,  by phone or over the internet.

If you can’t get a bank account or credit card  – these prepaid cards can be useful for situations where cash is not an option – such as online shopping.

Comparison of Charges on Prepaid Debit Cards in Ireland (Updated  June 2019)

Monese is an app based payment service linked to a prepaid Mastercard and it is available in Ireland.  They don’t need proof of your address. It is possible to get both a UK Sterling account and an EU Euro account with Monese regardless of where you live in the EU.   Monese have a “Simple” account that has no monthly fees but it has some limits and usage charges on it.

  • First €/£200 ATM withdrawals a month are free. Anything over that is charged at 2%
  • The first €/£ 2000 a month spending on foreign currency transactions  is free – after that there is a 2% fee .
  • 2% fee to transfer currencies outside Monese .

If you are using an Apple device – you can get the Monese App here

Those with non Apple devices can sign up for a Monese account  Here

Revolut card.

Revolut supply a prepaid Visa debit card – with online account access via a smartphone App.  (Apply Here).

Revolut comes with a proper UK IBAN and can cater for Direct Debits and incoming bank transfers.

There are no  loading fees , admin fees or inactivity fees.

  • You can spend, transfer or exchange up to €5,000 in total every month without any fees. (a 0.5% fee applies after this).
  •  ATM withdrawals are free on the first €200 per calendar month – a 2% fee applies above this.


Skrill prepaid Mastercard

€10 annual fee
Usage Fees – Shopping in Euro – No charge
ATM 1.75% charge
Top Up charges : – Free if done by  bank transfer But  a 1.9% fee for top ups from debit cards or  credit cards.
Non Euro spend  = 3.99% charge
No inactivity charges

Swirl Prepaid Mastercard
Registration Fee: – Free online or €3.95  over the phone
Loading fees : In stores the fee is €2.99 for top ups under €350   and €3.99 for top ups over €350  .  Loading by Bank Transfer is  Free.
Usage charge – when purchasing online or in shops = 2.95% (min 75c,  Max €2.95) ATM = €1.50
Non Euro Spend – 5% conversion charge
Inactivity Fee = €3.50 a month after 2 months of no usage.

Alternative Debit Card  – N26 Bank

An alternative to these “prepaid” debit cards is to use the online  bank account from N26.  It is free to join  – and comes with a Mastercard debit card
It’s great when purchasing outside the Eurozone because there are no fees when using the N26 debit card to make purchases in Euros or any other currencies. (They just use the standard Mastercard exchange rates.) See more at the N26 Website.n26

N26 Charges :
Loading is free by bank transfer (only method available).

Non Euro ATM cash – 1.7% admin fee  .
Non Euro Spending – No Fees

First 5 ATMwithdrawals in Irleland per month a free . After That tere is a fee of €2 per withdrawl.

Mainstream Banks: Bank of Ireland charge 10c and AIB and Ulster charge customers  20c  for each “normal” debit card  transaction – unless the customer qualifies for free banking. (Ulster charges started April 19 2019) . BOI and Ulster charge 1c for contactless .
See this article for more details about Current Account Charges in Ireland

Debit Card Consumer Protection:

It is useful to know also that  Irish residents have the same protection when buying with a prepaid debit card  as with a normal debit or credit card. If goods don’t turn up you can get Visa or Mastercard to do a chargeback to the retailers bank and get a refund. Credit cards in Ireland have no more protection than debit cards (unlike the UK)


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