3Money FAQs

Below you’ll find some frequently asked questions about the 3Money card.
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3Money puts you in control of everything from saving and spending to holiday cash.
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Buying a 3Money Card
The 3Money Prepaid Mastercard is a contactless card that you top up and use to shop online and in stores. You can withdraw money from ATMs in Ireland and abroad and transfer money to other 3Money customers. Using the new 3Money Wallets feature, you can set aside money for special events and even set target dates and amounts to track your progress. 3Money is available to everyone who is 18 or older.

Online: You can sign up for a 3Money card on three.ie/money or on the 3Money app. You can avail of a Virtual Card and use it to shop online or a Physical Card that you can also use in stores and at ATMs. Physical Cards registered online will be posted to you.

When you sign up for your card, you’ll need to top up the card by a minimum of €20. You can top up using your debit card or a 3Money Top Up Voucher. Vouchers are available in any 3Store and many Payzone outlets and top ups range in value from €20 to €350.

3Store: You can also register for a Physical Card in any 3Store. When you register for your card, you’ll also need a 3Money top up of a minimum of €20.

Make sure you have your mobile with you, as we’ll send you an SMS to complete your purchase. If you’re a Three Mobile Broadband customer, you’ll need the number from your Mobile Broadband bill.

If you buy your 3Money card on the site or in the app, you can choose a Virtual 3Money card. This is an online card that has all the numbers you need to shop online (the 16-digit MasterCard number, the 3-digit security code and the expiry date) and you can see it in the app or on the site.

You can top up the Virtual card just like you top up a Physical card. However, you can’t use the Virtual card to shop in stores, in ATMs or (and this is important) in situations where you need to present a card to collect tickets or similar items.

If you buy a Physical card, you can still shop online but you can also pay in stores (including contactlessly for transactions that are less than €30) and withdraw from ATMs. Note: if you want to withdraw from ATMs abroad, you’ll need to upgrade your card. It’s a straightforward process and it’s free.

Both Virtual and Physical cards access the same card balance and transactions.

If you want to use your 3Money card in shops or withdraw money from your card in ATMs, you should get a Physical card. You can sign up for a Physical card when you register or at any stage afterwards in the site or app, or in your local 3Store.
Topping up a 3Money Card

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.
  • International bank transfer. Fees and limits apply. Click here for more

You can top up on the site or app using your Irish debit card. You’ll be asked to provide your Verified by Visa and Mastercard secure password. When the top up is applied, you’ll have the option to store your debit card details to use for your next top up.

Good to know: if you top up by €60 or more in a month by debit card or bank transfer, you won’t be charged the monthly service fee the following month.

You can buy a 3Money Top Up Voucher in any 3Store or in many Payzone outlets. Make sure you ask for a 3Money Top Up Voucher, not a 3 Mobile Top Up Voucher.

Once you get a Voucher, just text the word TOPUP followed by the 10-digit 3Money Top Up Code to 50308 from your 3Money registered mobile. Or you can log in to the 3Money site or app and apply the top up there.

Some things to be careful of:

You can only top up 3 times a day and there’s a limit to amount you can top up in a day: €350 when you buy your card or €500 if you’ve upgraded your card. If you try to top up over the daily limit, you won’t be allowed and you’ll have to try the next day. There are also annual top up limits - click here for more.

One other thing: the codes on top up Vouchers expire after a year and can’t be replaced if you lose them. So you should try to apply the top ups as soon as you can after you buy them.

As well as buying a 3Money Top up Voucher in 3Stores, you can also top up your card directly at the till or 3Money kiosk.

You can only top up 3 times a day and there’s a limit to amount you can top up in a day: €350 when you buy your card or €500 if you’ve upgraded your card. If you try to top up over the daily limit, you won’t be allowed and you’ll have to try the next day. There are also annual top up limits - click here for more.

You can top up by transfer from your online bank account. We’ll receive it 3 to 5 days working days later and apply it your card. For full instructions and bank details - log in to 3Money, click on Top ups and select the option to Top up by Bank Transfer.

Make sure you have our correct bank details! (See above)

Good to know: if you top up by €60 or more in a month by debit card or bank transfer, you won’t be charged the monthly service fee the following month.

Fees and limits apply. Click here for more.

  • Log in to your online banking account or visit your bank. You will need to send the funds to BNP via swift.
  • You will have to cover the cost of sending funds. Transfer of international funds depends on the sending bank. Once funds are received at the intermediary bank, they will be processed onto your 3Money card within 24 hours.
  • Did you know you can use your 3Money card statement as proof of funds for your Visa? Log into your 3Money account and go to ‘Transaction History’. From there you can download a pdf, showing your balance and transactions.

Click here for the full set of fees and limits that apply to top ups for the 3Money card.

You can only top up 3 times a day and there’s a limit to amount you can top up in a day: €350 when you buy your card or €500 if you’ve upgraded your card. If you try to top up over the daily limit, you won’t be allowed and you’ll have to try the next day. There are also annual top up limits - click here for full details.

Using a 3Money Card
Text BAL or BALANCE to 50308 from your 3Money registered mobile or log in to the 3Money site or app.
Log in to the 3Money site or app to view transaction history.

Virtual card: Log in to the site and app and click on the image of your 3Money card. Your card details will be displayed briefly. You’ll need the 16-digit number starting 5304, the 3-digit CVV2 (sometimes called the security code) and the expiry date.

Physical card: Your card contains all the information you need, and you’ll find the 3-digit CVV2 (sometimes called the security code) on the back of your card.

Insert your 3Money card into the terminal when the merchant gives it to you and enter your PIN when prompted. If you forget your PIN, text PIN to 50308 from your 3Money registered mobile. For security, don’t forget to delete the message afterwards.

You can pay contactlessly in stores for transactions up to €30. You’ll be asked to provide the PIN for the first contactless transaction. There’s a fee of 1% for each contactless transaction.

Insert your card into the ATM, enter your PIN when prompted and the amount you want to withdraw. You can withdraw a maximum of €300 in a day, and no more than 3 daily withdrawals can be made.

The fee is €2 for Euro withdrawals. So the balance on your card needs to cover the amount you request plus the fee for that withdrawal. Outside of the Eurozone, there is no charge on ATM withdrawals. Click here for the full set of fees and limits.

Text PIN to 50308 from your 3Money registered mobile.

You can block your card whenever you like to prevent unauthorised transactions. You’ll need to unblock it again to use it. You’ll see if your card is blocked when you log in to the site or app.

Block your card: Text BLOCK to 50308 from your registered mobile. Or log in to the site or app and block your card there.

Unblock your card: Log in to the site or app and unblock your card there.

You can transfer money to another 3Money customer only if you have both upgraded your card (it’s a Mastercard rule). Just log in to the site or app and click on the Transfer option. You’ll need the mobile number of the person you want to send money to. If the transfer is successful, you can save their details to use again. There’s a fee of 30 cent for each transfer.

You can transfer any money on your 3Money card to your bank account. Log in to the site or app, click Transfer and then Bank Transfer. If you haven’t transferred money to your bank account before, you’ll need to enter the IBAN and BIC code from your bank statement.

There is a €5 fee to return money to your bank account. Click here for the full set of fees and limits.

Good to know: You won’t be able to return more than €1000 to your bank account over the lifetime of the card without upgrading your card.

You can cancel your 3Money card at any time. To do this you need to ensure that your balance is zero. If you received a 3Money card from us and have not yet activated your 3Money card you will need to do this first by texting PIN to 50308.

  • Text BAL to 50308 from your 3Money registered mobile to get your balance.
  • If your card balance is zero, you can close your account by emailing your request to 3Money care at care@3moneycare.com.
  • If your card balance is not zero, you must spend the balance or transfer the balance to your bank account before you can close your account by clicking here and following the instructions on screen
  • Once your card balance is zero, you can close your account by emailing your request to 3Money care at care@3moneycare.com. You must use the email address you registered for 3Money.
  • Good to know: You’ll need your IBAN and BIC code to transfer funds. There will be no charge on this transfer for previous O2 Money customers once completed before 01 Jan 2016.

For your security and to protect the balance on your card, there are businesses or type of transactions where you cannot use your 3Money card.

  • Automated Fuel Dispensers.
  • Toll and Bridge Fees.
  • To buy Money Orders - Wire Transfers.
  • With Financial Institutions - Manual Cash Disbursements.
  • With Financial Institutions - Merchandise and Services.
  • With Non Financial Institutions to buy Foreign Currency, Money Orders (not wire transfers) Traveller’s Cheques.

If you buy a card in a 3Store you need to do a couple of things before you use it:

  • Sign the reverse of the card
  • Text PIN to 50308 to get the PIN for your card. Use the mobile you registered for 3Money.
  • Go to the 3Money site or app and click Activate so we can set up your login for the site or app.
Upgrading my 3Money Card

When you first buy your card, the maximum daily top up is €350 with an annual maximum of €2,500. If you don’t upgrade 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, and you’ll only be able to transfer up to €1000 to your bank account over the lifetime of the card.

Upgrading 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 upgraded 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.

You can upgrade your card by submitting images of the required documents by email to care@3moneycare.com or online on the 3Money site or in the app. Log in and click Upgrade Your Card. 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 one working day to upgrade your card if all the documents are correct, and remember you’ll need to submit high quality images for the upgrade to be approved.

3Money Wallets are an easy way to set aside money for special events. Create up to five 3Money Wallets to store your money, giving you the option to set aside money for special occasions while putting away a little for Christmas or your next holiday abroad. You can even set a target amount and date for each wallet and track your progress.

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.

Other
Click here for a full list of the Fees and Limits that apply to your 3Money card.
  • 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.
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)
Email
care@3moneycare.com