3Money is the safe, secure prepaid Mastercard. Just add money whenever you like to shop online and in stores, pay with a tap or use ATMs. And because you can only spend what you add, you’re in control.
- Free 3Money card when you add €20.
- Use online, in stores and at ATMs.
- Protects against fraud and theft.
- Use right after sign up.
T&C's apply: Minimum top up of €20 applies.

Fast, simple shopping is just the start! 3Money puts you in control of your spending and holiday cash when you verify your account.
Shop
Use in stores and online wherever Mastercard is accepted.
Secure
Your money is protected against loss, theft and fraud.
Control
Only use the money you add and see exactly what you spend.
Wallets
Set money aside for a special occasion.
Go Premium
Split bills—dining out has never been easier.
Go Premium
Travel safer than cash—use abroad just like you wou

Where can I use 3Money?
3Money makes life easier on and offline, at home or overseas!
Wallets
Set money aside for a special something with 3Money Wallets. Wallets let you keep money apart from your main balance for when you need it most.
Have up to five wallets
Create up to five wallets to set money aside.
Move money easily
Moving money between your wallets and card balance for free.
Setting up wallets
Name your wallets and set targets to track your saving.
Spend from the card
Money in a wallet can’t be spent until you’ve moved it back to your card.

Top up easily
There are lots of ways to top up your 3Money card
Top up code
Buy 3Money top up codes in any 3Store or Payzone outlet in shops nationwide. You can use them on the site, in the app or via SMS. Make sure you ask for a 3Money top up code, not a Three mobile top up code.
Direct Debit
The easiest way to top up. Use your debit card on the site or app to top up your 3Money card and the save the details for later. Just log in to get started.
Bank transfer
Top up straight from your online bank account through your 3Money Premium account. It takes a few days for your 3Money balance to be topped up this way.
Get started with a Standard card today and move to Premium for higher limits and extra features.
Unverified
Foreign transactions
Free
Monthly Service Fee
€3
Max Balance in Account
€250
Top-up Limit
€2,500 per year
Transfer funds to other 3Money customers
Transfer to Bank
Top up by Bank Transfer
International ATM Withdrawals
Verified
Foreign transactions
Free
Monthly Service Fee
€3
Max Balance in Account
€25,000
Top-up Limit
€25,000 per year
Transfer funds to other 3Money customers
Transfer to Bank
Top up by Bank Transfer
International ATM Withdrawals
For full pricing breakdown and T&C's, see www.three.ie/3money/3money-fees-and-limits.
Shop, save and spend your way with 3Money, the secure prepaid Mastercard.
3Money is the safe, secure prepaid Mastercard. Just add money whenever you like to shop online and in stores, pay with a tap or use ATMs. And because you can only spend what you add, you’re in control.
T&C's apply: Minimum top up of €20 applies.

Contact 3Money
To report lost/stolen cards from 9am to 6pm Monday to Friday, excluding bank holidays, LoCall 1890 812 102. From abroad, call +353 61 203357. Outside these hours, you can log in to the site or app. To report a lost or stolen card, simply click the lost /stolen option and follow the instructions. Your card will be cancelled immediately and our Care team will contact you afterwards to arrange a replacement card.
Make sure you email the Care team at care@3moneycare.com from the email address you registered with us, or the Care team won’t be able to respond to your query.
Phone
1890 812 102
(Mon - Fri 9am to 6pm, excluding bank holidays)
care@3moneycare.com
Terms & Conditions
The 3Money Prepaid Mastercard is issued by Prepaid Financial Services Limited pursuant to a license from Mastercard International Incorporated. Prepaid Financial Services Limited is regulated and authorised by the Financial Conduct Authority, registration number 900036. Registered Office: Fifth Floor, 302-308 Langham House, Regent Street, London W1B 3AT.
Go Premium for free.
Get more from your 3Money prepaid Mastercard when you verify your account. Increase all your limits and use your card overseas at ATMs on your next holiday.
- Take out up to €1,000 per month at Irish ATMs
- Holiday cash at international ATMs
- €25,000 maximum yearly spend
- Peer-to-peer transactions
- Deposit up to €500 a day

3Money
Go Premium today for free and do more of the things you love with higher limits on your deposits, withdrawals and balance.
Made to travel
Use ATMs on holiday just like you would at home for quick cash.
Transfer
Spend and receive money, share bill costs and transfer cash to other 3Money cards.
Higher limits
Spend more, deposit more and withdraw more with higher limits.
Bank top-up
Top up your 3Money card from your online bank account.

Move to Premium
It’s free, easy and you only need proof of ID and address (utility bills must be dated within the last three months). To submit your documents, simply email to care@3moneycare.com, visit 3Money online now or open the app, click ‘Premium’ and follow the steps. Remember, your document needs to be in full colour and under the same name as the registered card holder.
ID documents
Make sure the image is clear, full colour and high quality.
- Passport
- Driving license
- Garda Age Card
Proof of address
Share a full colour, high-quality image of one of the below documents with us to verify your account.
- Bank statement
- Household bill
- Vehicle registration document
Popular questions
Premium questions
Buying a 3Money Card
Topping up a 3Money Card
Using a 3Money Card

To report lost/stolen cards from 9am to 6pm Monday to Friday, excluding bank holidays, LoCall 1890 812 102. From abroad, call +353 61 203357. Outside these hours, you can log in to the site or app. To report a lost or stolen card, simply click the lost /stolen option and follow the instructions. Your card will be cancelled immediately and our Care team will contact you afterwards to arrange a replacement card.
Make sure you email the Care team at care@3moneycare.com from the email address you registered with us, or the Care team won’t be able to respond to your query.