SWIRL Prepaid MasterCard & Employee Gift & Rewards Reviews 

Antwoord van SWIRL Prepaid MasterCard & Employee Gift & Rewards

23 jun 2026

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.

Antwoord van SWIRL Prepaid MasterCard & Employee Gift & Rewards

2 jun 2026

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.

Antwoord van SWIRL Prepaid MasterCard & Employee Gift & Rewards

Geüpdatet op 2 jun 2026

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.

Antwoord van SWIRL Prepaid MasterCard & Employee Gift & Rewards

25 mei 2026

Hi there,

Thanks for your message.

If the cards you are referring to are gift cards, then no — funds cannot be transferred out to a bank account. Gift card balances must be spent using the card itself.

If you would like old cards removed from your account, our Support Team can absolutely assist with that. We’ve already reached out directly for a bit more information so we can help you get this sorted.