Optimum prepaid card

optimum-card
Application Fees
Transaction Fees
Monthly Fees
ATM Charges
Top Up Fees
£9.95
Free
£4.95
£1.50 (2% surcharge over £50)
Free up to 3%

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Optimum PAYG Card - MasterCard

Top up fees are fees that you need to pay in order to top up your prepaid card with extra funds..... Top up fees are FREE OF CHARGE using the folllowing top up providers or methods:

Free Top Up Charges Charges Timescales
Debit Card Free of charge Instantly
Wages Free of charge 3 - 5 business days
Bank Free of charge 1 business day
Post Office  Free of charge 1 business day

Top Up options that are charged

Paypoint 3%  with 30 mins
Credit Card 3%  Instantly

SET UP A PAYMENT:

Payee name: 360 Money Direct Deposit
Account number: 80212458 - 8 digit account number
Sort code: 20-03-53 -  6 digit sort code
Payment ref – the 16 digit number across the front of your card

Card Load Limits

Maximum Card Limit: £5000.00
Maximum Load Amount: £5000.00
Minimum Load Amount: £10.00
Maximum ATM Withdrawl: £250.00 

Optimum Pay Monthly MasterCard Prepaid Card

Usage charges for your card are charges that you need to pay when you use your prepaid card in when making purchases or taking out money at ATM's or banks....

Card Issue Fee: £9.95
Additional Cards: £5.00
Annual Fee: Free
Transaction Fees UK: Free
Foreign Exchange Fees: 2.95% + 1% surcharge
Monthly Service Fee: £4.95
ATM Charge UK: £1.50 (2% surcharge over £50 per ATM
ATM Charge Abroad: £1.50 (2% surcharge over £50 per ATM
Cancellation / Redemption: £5.00 + 2.5% Surcharge
Replacement Card Fees: £5.00

Balance Enquiry

By SMS / Text Message: £0.10
By Phone: £0.10 per minute
Via the Internet: Free

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

 

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.

TYPE OF CARD: PREPAID MASTERCARD
MINIMUM AGE REQUIREMENT: 18 YEARS
ADDITIONAL CARDHOLDERS: YES, 13 YEARS OR OLDER
PRE APPROVED TRANSACTIONS: RESTRICTED
CARD EXPIRY: 2 YEARS
OTHER CURRENCIES AVAILABLE: NONE
PRICE PLANS AVAILABLE: PAYG - MONTHLY 

Main Features and Benefits

  • Cashback Program
  • Mobile Banking
  • No bank Account
  • No Credit Checks
  • Online Banking
  • SMS Banking
  • Standing Orders
  • Telephone Banking

You have chosen to apply for a Optimum prepaid card, please ensure you meet the following points as this will make your application more likely to be approved. Please ensure that:

You are at least 18 years of age You are a permanent resident/citizen of the UK Pay £9.95 application fee to get your card

Please note that until payment is made your Optimum prepaid account will not be opened.

How to Pay

Pay now - The fastest and easiest way to pay is by debit card. Make a simple one off payment whilst signing up. Confirmed highly secure website, with card and personal details protected.

Pay later - If you prefer to pay by cash. Choose pay by cash at a Post Office® when you apply. They will send you a letter and in most cases an email. Take it to any of the 12,000 UK Post Office branches to pay. Your card will then be with you in three to five days.

These points are simply a guide to the minimum acceptance criteria for the Optimum. Please ensure you read their terms and conditions and see a full list of charges.

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

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