Using your card

Get the most from 3Money.
Supercharge your money.

Go premium free today for higher limits and more features.

Go Premium

It’s free, easy and fast. All you need is proof of ID and address to enjoy higher balance, withdrawal and deposit limits, international ATM use and lots more. Open the app, click ‘Premium’ and follow the steps, or click the link below.

You’ll need:

1. A photo of one of these IDs: passport, driving licence or Garda Age Card.

2. A photo of one of the following proofs of address: bank statement, household bill or vehicle registration document.

Topping up
There are lots of ways to top up your 3Money card
Top up code
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
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
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.
Wallets are handy for setting aside money aside for all sorts of reasons. Save money for special events, Christmas shopping, your next holiday and more!
Have up to five wallets
Have up to five wallets
Create up to five wallets to set money aside.
Move money easily
Move money easily
Moving money between your wallets and card balance for free.
Setting up wallets
Setting up wallets
Name your wallets and set targets to track your saving.
Spend from the card
Spend from the card
Money in a wallet can’t be spent until you’ve moved it back to your card.
3Money Sleeve
Protect your card with a free Hack Back Sleeve

The Hack Back sleeve helps to keep any contactless payment card safe from skimming. It works by blocking the radio frequencies needed to communicate with your card, keeping your balance safe from scammers.

There’s no need for bulky protective cases, just pop your card in the sleeve, then put it in your wallet like usual. Easy!

Get yours free today from any 3Store.

Popular Questions

You can verify your card by submitting images of the required documents by email to or online on the 3Money site or in the app. Log in and click ‘Premium’. You’ll need to provide high quality images of the documents showing your ID and proof of address. You can use any of the following documents:

For your ID document:

  • Passport
  • Driving License
  • Garda Age Card

For your proof of address document:

  • Vehicle registration document
  • Tax notification document
  • Gas bill
  • Water bill
  • Electricity bill
  • Landline telephone bill
  • TV, satellite or cable bill
  • Bank or building society statement
  • Credit card statement
  • Home or motor insurance certificate

It normally takes about two working days to verify your card if all the documents are correct, and remember you’ll need to submit high quality images for the verification to be approved.

When you first buy your card, the maximum account balance is €250. If you don’t verify your card, you can’t top up by bank transfer or transfer funds to any other customers. You can only withdraw money from ATMs in Ireland.

Verifying your card (by providing proof of ID and address online) allows you more freedom. Your daily top up limit is increased to €500 and the annual top up limit is €25,000. You can transfer funds to any other customer who has also verified their card, withdraw cash from international ATMs and there’s no limit to the funds you can transfer from your card to your bank account.

There are a few ways to top up:

  • Buy a 3Money Top up Voucher in 3Stores or Payzone outlets. Apply the top up in the app, on the site or by texting the code to 50308 from your 3Money registered mobile.
  • Top up the card directly in a 3Store.
  • Use your Irish debit card. You can then save your debit card details to top up again and again.
  • Transfer funds from your online bank account. The money takes 3 to 5 working days to reach us.
  • Via international bank transfer
  • To report a lost or stolen card, call the Customer Care team on 1890 812 102 (or +353 61 203357 from abroad) from 9am to 6pm Monday to Friday, excluding bank holidays.
  • Otherwise, go to the site or app as soon as you can, click the Lost / Stolen option and follow the instructions. Your card will be cancelled immediately and our Care team will contact you to arrange a replacement card. Think you’ve misplaced your card? No problem, just use the Block Card button to stop withdrawals and spending on your card. If you find your card, you can unblock it easily on the site or in the app, and it will be ready to use again.
  • If you can’t get online, just text BLOCK to 50308 from the mobile you registered with us to block your card immediately. This will stop any spend or ATM withdrawals on your card. You can unblock it later on the site or in the app.
Click here for a full list of the Fees and Limits that apply to your 3Money card.

Log in to the 3Money site or app and click on Wallets. Set up a new Wallet and give it a name. If you like, you can set a target amount and date to track your progress.

Whenever you want, you can move money into the Wallet from your 3Money card (or from another Wallet). You can only spend money that’s on your 3Money card, so the money in your Wallets can’t be spent until you move it back to your 3Money card. There’s no charge for moving money between your card and the Wallets.

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 from the email address you registered with us, or the Care team won’t be able to respond to your query.

1890 812 102
(Mon - Fri 9am to 6pm, excluding bank holidays)