Features

Spend Everywhere

With a PAY.COM card it’s easy to shop securely online and in stores

Withdraw Cash

Withdraw cash at ATMs worldwide

Contactless Payments

Use PAY.COM physical cards for simple tap and pay payments

Receive Payments

Receive payments instantly onto your PAY.COM card

Top Up

Load your PAY.COM card with a variety of top up options

Send Money

Send money instantly by phone number

Manage Expenses

Control your spending, you can only spend the balance you have available in your account

Instant Access

Access your PAY.COM account anytime, anywhere using our web and mobile apps

Register now

Get Started

Register

Register for free by filling in simple online forms

Verify Account

Verify your new PAY.COM account by ordering and activating a PAY.COM card sent to you by post or by using your existing debit or credit card

Top Up

Choose from a wide selection of top up options to load money onto your PAY.COM card. Learn More

Spend

Shop securely online, in stores and withdraw cash at ATMs. Learn More


Private and Secure

  • Secure online payments, no opportunity for fraudsters to gain access to your bank account by linked credit or debit cards

  • Private online card statement for your PAY.COM cards

  • Chip and PIN cards, more secure and convenient than carrying cash or using cheques

  • Avoid bank credit degradation related to online activity

  • Cancel lost or stolen card instantly using web or mobile apps

  • Never risk more than you have on your PAY.COM card

Register now for free

Using Your PAY.COM Card

PAY.COM cards are accepted globally like any other MasterCard debit card

Shop Online

Use your PAY.COM card to shop online

Shop In Stores

Use your PAY.COM physical card to shop in stores

Withdraw Cash

Use your PAY.COM physical card to withdraw cash from ATMs

Receive Payments

Use your PAY.COM card to receive payments instantly

Get your PAY.COM card

Topping Up

Choose from a wide selection of top up options to load money onto your PAY.COM card

Credit or Debit Cards

Top up with your credit or debit cards

Bank Transfer

Top up by transferring funds from your bank account

Alternative Payments

Top up with a variety of alternative payment methods

Get your PAY.COM card

Send money by phone number

Send money in 3 simple steps:

Our Cards

PAY.COM
  • Contactless payments support

  • Chip and PIN card

  • Low limits

  • Blocked for international ATMs

  • Blocked for user to user transfers

How do I get the card?

  • Register with PAY.COM
  • Verify your phone number
  • Verify your account
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Learn more
PAY.COM Gold
  • Contactless payments support

  • Chip and PIN card

  • High limits

  • Open for international ATMs

  • Open for user to user transfers

How do I get the card?

  • Complete steps for getting the
    PAY.COM card
  • Provide photo ID
  • Provide proof of address
  • Complete the advanced registration form
Learn more
PAY.COM Black
  • Contactless payments support

  • Chip and PIN card

  • Highest limits

  • Open for international ATMs

  • Open for user to user transfers

How do I get the card?

  • Complete steps for getting a PAY.COM Gold card
  • Contact customer support
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Learn more


Fees

These features are free:

★ Opening a new PAY.COM account

★ SMS notification

★ The mobile application

★ Replacing your card's PIN

★ Optaining a virtual PAY.COM card

★ Replacing a virtual card

Select currency

Account

Annual fee *Free

Inactivity fee (no activity for 9 months) £‎1.5


Topping up

Debit card 1%

Credit Card 2%

Bank Transfer £‎2

Merchant's payout 1.85%

Contactless Card

Issuing or replacing physical contactless card £‎7.99

Cancelling a physical contactless card Free


Transactions

To use in shops, restaurants or online Free

ATM cash withdrawal ‎£‎1.50

Currency exchange 2.95%

Person to person money transfer £‎0.30

* in case of less than 50 transactions per year - £‎7 Fee
Account Fees GBP
Open a new PAY.COM account No fee
SMS notifications No fee
Mobile app No fee
Monthly fee No fee
Inactivity fee (no activity for 9 months) £1.50
PAY.COM Card Transaction GBP
Retail/online purchase in card currency £0.15
Retail/online purchase in other currency 2.95%
Receiving payment in same currency 1.85%
Receiving payment in another currency 2.95%
Physical Card GBP
Issuing physical card £7.99
Replacement physical card £7.99
Cancellation physical card No fee
PIN re-issue card PIN No fee
Virtual Card GBP
Issuing No fee
Replacement No fee
Topping Up GBP
Debit card 1%
Credit card 2%
Bank transfer £2
P2P Money Transfer GBP
Sending money £0.30
Receiving money in the same currency No fee
Receiving money in a different currency 2.95%
ATM Withdrawal GBP
Same currency as your account £1.50
Different currency from your account 2.95%
Fees and Limits