Straight forward online application / payment procedure. Followed by a swift issue of gift cards. For security reasons cards are not loaded with funds until they are received. Value loading proce... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I place SWIRL orders year round at work, with many large orders at Christmas time. Swirl do get busy at times understandably but I find them so reliable and we get really good feedback on their app an... See more
We had a great experience with Swirl Cards. The setup process was very easy, making it a convenient option for us as a company providing gift cards. Delivery was fast, and we really appreciated that t... See more
Swirl was amazing. UPS managed to loose our parcel the week before Christmas break ans Swirl cancelled the order, reprinted the cards and had them ready for pick-up in less than 12h! They made our em... See more
Company details
Written by the company
SWIRL Prepaid MasterCard and SWIRL Employee Rewards Gift Card – Ireland's premier choices for secure, convenient, and versatile financial solutions. Trusted by thousands, our Prepaid Mastercard is your gateway to seamless transactions in-store, online, and ATMs globally, powered by Mastercard. Simply top-up in-app or in-store at any local Payzone retailer. Download the SWIRL App, create an account, and receive a FREE card automatically. If you are a business looking to elevate your employee rewards program, and avail of the employee tax free €1500 small benefits exemption, SWIRL Employee Rewards Gift Card is the perfect choice for you. Our Gift Cards are recognised and accepted at over 45 million locations worldwide both online and In-Store, offering employees the freedom to choose their own rewards.
Contact info
PO Box 1008 Naas , Kildare, Ireland
- 016877985
- info@swirlcard.com
- swirlcard.com
4.3
Excellent
850 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 76% of negative reviews
Typically replies within 1 week
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Simple Ordering Process
The SWIRL card order process is very simple and I received emails updating me on every stage of the process. The cards arrived quickly and safely - they were not loaded with money until I confirmed I had received them.
24 August 2026
Unprompted review
Happy.thanks i recomend for oll persons…
Happy.thanks i recomend for oll persons get that card.you can pay online and in shop.
29 August 2026
Unprompted review
Easy to purchase and good communication…
Easy to purchase and good communication throughout the process.
18 August 2026
Unprompted review
Very good
Very good, easy to apply, quick to receive, accepted in many retails.
30 July 2026
Unprompted review
Everything was so easy from ordering to…
Everything was so easy from ordering to setting up the cards. We have bought other reward cards and the process has been complicated. So we were delighted with how easy the process was from start to finish.
13 August 2026
Unprompted review
quick and efficient survice
quick and efficient survice , accepted card in various shops . happy with it
14 July 2026
Unprompted review
Easy to order - simple to use
Ordering process is quick and easy, delivery is prompt once funds have been loaded to the account and it's great that the cards aren't loaded with the funds until confirmation that they have been received is made.
The app is easy to use and being able to see at a glance the value of the card and the transactions on it, make it one of the better choice cards.
1 July 2026
Unprompted review
Ease of ordering and activation...easy…
Ease of ordering and activation...easy to access card history...generally easy!!
10 July 2026
Unprompted review
We had a slight problem uploading the…
We had a slight problem uploading the card and it took longer to resolve as we were unable to talk to support. All correspondence is by email.
30 June 2026
Unprompted review
Moved to this card from one for all…
Moved to this card from one for all cards a couple of years ago, excellent service up to this year, ordered the Christmas cards and got no confirmation email to ask me to verify I had received the cards, had staff ringing me over Christmas to say the cards were not working!! my fault I presumed they had been loaded. Got more cards last week for summer break, got the email asking me to verify delivery but did not get confirmation that they had been loaded. Just rang them there and was told that they had been loaded asked her why I had not received the email of confirmation, she did not know and would mention it to her manager!! Told her I had checked spam and it did not go there!!! again no comment, just again I will mention it to manager!!! very poor customer service and no follow up. The cards are excellent once loaded I have no problem with them however their customer service and follow up is very poor in the last 2 years.
23 June 2026
Unprompted review
Reply from SWIRL Prepaid MasterCard & Employee Gift & Rewards
Hi Moira,
Thank you for taking the time to share this feedback. We're really sorry to hear how frustrating this has been for you. That’s absolutely not the experience we want for you or your staff.
Just to clarify the process, once an order is confirmed, we always aim to have funds loaded by the end of the same working day. If confirmation comes in outside normal hours, the cards are loaded the next working day. Your recent order followed this timeline, and you received all other communication from us — so it’s unusual that the loading confirmation was the only email that didn’t come through.
As mentioned in our direct communication today, we’ve raised this internally to make sure there isn’t a wider issue and to ensure future orders aren’t affected. Your feedback is genuinely helpful in tightening up this part of the process.
We’re glad to hear the cards themselves have always worked perfectly once loaded, and we’re committed to making sure the communication around them is just as reliable.
If you ever need anything checked or confirmed directly, we’re always here to help.
Great service
2 June 2026
Unprompted review
No problem with online purchases
No problem with online purchases. Easy to use. And nice to get as a present of course.
6 May 2026
Unprompted review
Easy, convenient
The card swirl is very easy to use, a lot of shops are accepting it so it’s very convenient
30 April 2026
Unprompted review
Easy to use ,Easy to track.
1 June 2026
Unprompted review
No customer service.
No customer service.
You can't get anyone to call for customer support.Was trying to purchase from apple.com (USA) declined also they said its mastercard.
Never purchase again.
1 May 2026
Unprompted review
Reply from SWIRL Prepaid MasterCard & Employee Gift & Rewards
Hi there,
Thank you for your review. We can confirm that you have already been in direct contact with our support team, and the situation was fully explained at the time.
Your transaction with Apple.com was declined because the merchant submitted the payment as a recurring charge, which gift cards cannot support. This is a merchant‑side setting and not something we can override. Your card is a Mastercard, but all prepaid gift cards have the same restriction when a merchant flags a transaction as recurring.
Our team responded promptly to your queries, provided the reason for the decline, and offered alternative ways to complete the purchase where possible.
We’re always available to help, and if you need further assistance, we’re happy to continue supporting you.
I was given a Swirl card by my employer…
I was given a Swirl card by my employer as a Christmas bonus. What I wasn't aware of was the maintenance fee that would be taken each month once the card was a year old. I feel this is a con to having one of these cards, and I would like to know exactly what a maintenance fee actually does? The money on this card should have been the same as any other prepaid card and as good as cash. My colleagues also found issues when trying to activate the card, having to use an app and not being able to use the cards in many places.
I definitely would not recommend anyone having or gifting a Swirl card
30 May 2025
Unprompted review
Reply from SWIRL Prepaid MasterCard & Employee Gift & Rewards
Hi there,
Thank you for taking the time to share your feedback.
To clarify, the maintenance fee only applies 12 months after the card is initially loaded, and this is highlighted in the card’s terms and conditions. This fee is standard across most prepaid card products.
Regarding activation, the process is designed to be straightforward. While many customers choose to activate through the app, activation can also be completed via the web if someone prefers not to use the app or cannot access it.
The card itself is a Mastercard, so it can be used anywhere that accepts Mastercard, unless a merchant has their own restrictions in place.
Our support team is always available to help with any activation or usage issues, and we are currently reaching out directly to assist you. We’d really appreciate if you could respond so we can resolve this for you as quickly as possible.
Easy to set up and easy to use
Easy to set up and easy to use
Accepted in most establishments
15 May 2026
Unprompted review
Easy to obtain and use
25 May 2026
Unprompted review
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