Optimum Pay As You Go Credit Card Reviews

Optimum Pay As You Go card


Application Fees£9.95
Transaction Fees
Monthly FeesFree
ATM Charges£1.50 (2% surcharge over £50
Top Up FeesFree up to 3%

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More Information

Top-Up Information

Optimum Pay As You Go Card

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 ChargesChargesTimescales
Debit CardFree of chargeInstantly
WagesFree of charge3 - 5 business days
BankFree of charge1 business day
Post Office Free of charge1 business day

Top Up options that are charged

Paypoint3% with 30 mins
Credit Card3% Instantly


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 
Usage Charges

Optimum Pay As You Go Credit 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:2.95%
Foreign Exchange Fees:2.95% + 1% surcharge
Monthly Service Fee:Free
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

Product Information

Optimum PAYG 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.


Optimum Pay As You Go
Optimum Pay As You Go Card Review

You have chosen to apply for a Optimum pay as you go 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 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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Company Details

43-45 Dorset St, Marylebone, London W1U 7NA, UK


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