O2 money card (prepay credit card)

Butch Cassidy · 15-03-2011 4:43pm

Government card duty
• You pay Government Duty of €2.50 a year on debitCARDs/ServiceCARDs used at Point of Sale only.
• You pay Government Duty of €2.50 a year on debitCARDs/ServiceCARDs or Cashcards used at cash machines only.
• You pay Government Duty of €5 a year on debitCARDs/ServiceCARDs used at cash machines and used to pay for goods and services.
• You pay Government Duty of €30 a year on credit cards.

If I just use the card for online transactions what do I pay? €2.50? Even if you only ever use the card at an ATM once do you still get hit with the €2.50?

What if there isn't sufficient funds in the account to pay this and I don't have an overdraft?

Wrong thread.

CyberGhost · 15-03-2011 4:47pm

Butch Cassidy wrote: »

If I just use the card for online transactions what do I pay? €2.50? Even if you only ever use the card at an ATM once do you still get hit with the €2.50?

What if there isn't sufficient funds in the account to pay this and I don't have an overdraft?

You don't pay 2.50 for online transaction only, for transactions in Euros you pay nothing extra, for other currency you pay a percentage, don't remember exactly what.

If you use it in an ATM even once, you pay.

If you don't have the funds, I assume, it'll be deducted when you top up again. If you don't top up, the card will probably be cancelled.

TanG411 · 15-03-2011 10:13pm

CyberGhost wrote: »

You don't pay 2.50 for online transaction only, for transactions in Euros you pay nothing extra, for other currency you pay a percentage, don't remember exactly what.

It's 2.75% for other currencies.

If you use it in an ATM even once, you pay.

A bit annoying because its the only way you can change your PIN on the card. Some ATMs don't allow you to change your PIN either, so it could be hit and miss.

Anyway, I got this card yesterday and have already done some impulse buying. Just ordered 250 business cards.

I expect many more impulse buys. Very handy card though and has many advantages over the 3V card.

TanG411 · 16-03-2011 10:22pm

Got my 6 digit activation code in the post so can now use the card freely.

Unfortunately they got my name wrong on my details. They put down my middle name as my surname. Must give them a ring about it.

Savage_Henry · 20-03-2011 12:48pm

hows with ryanair. do u have to pay ryanair fee with this card? lost my payzone money card and tempted to switch

fritzelly · 20-03-2011 3:58pm

Yep they charge you the €5.00 per person per flight charge with this one.

mink_man · 20-03-2011 4:09pm

I'm defo getting one, wanted to be able to buy stuff on ebay with a laser card type of thing. cool.

mink_man · 20-03-2011 4:11pm

am I right in saying you can use your laser card in the atm freely, it's only if you use your 02 card to take money out or something you pay?

Butch Cassidy · 23-03-2011 1:58am

Grrr the play.com £1.00 temp authorisation transaction strikes and for some reason it hit me with it twice!

bookworm192398 · 25-03-2011 8:43pm

Hi. I've been trying to add my card to my Amazon.co.uk account but it says there is a problem with the number. I'm using the number on the front of the card is that correct? I've selected the Visa/Delta/Electron option as there is no Visa Debit option.

Any help would be appreciated.

bookworm192398 · 25-03-2011 9:58pm

Okay it turned out I just forgot to put spaces between every four numbers!

nitromaster · 30-03-2011 8:34pm

If I get this...can it used as a regular card in shops, yes?

Just looking at box office collection for tickets...they say
"To pick up this order the card holder must present the card used
and provide a signature at the box office on event. Unless
otherwise stated."

So would this card be grand?

flazio · 31-03-2011 9:08am

nitromaster wrote: »

If I get this...can it used as a regular card in shops, yes?

Just looking at box office collection for tickets...they say
"To pick up this order the card holder must present the card used
and provide a signature at the box office on event. Unless
otherwise stated."

So would this card be grand?

Should be, it has the magnet strip on the back for reading the number and a chip if their system uses chip and pin, just make sure you've signed the back of the card.

paudy1 · 06-04-2011 12:16pm

Just wanted to mention an alternative that I've been using.

I had one of the PayZoneMoney cards but the loading fees and transaction fees are crazy so I did a bit of research (before the O2 card came out) and found www.moneybookers.com

They offer a pre-paid MasterCard (same as PayZone) but the fees are way better:

* No Loading charges when using laser card or bank transfer to load
* No transaction fees
* 1.99% on Foreign Exchange - (But I think I recall when you setup your account you can specify the currency you want to work in so if you setup GBP and only use the card for sterling purchases then you could get around the FX charges)

Just another option for people.

WolfForager · 16-04-2011 11:29am

Does anyone know how to top this up using AIB online banking? The steps on the o2 website are not very coherent...

fritzelly · 16-04-2011 1:33pm

Have you seen here

Z Brannigan · 20-04-2011 10:02pm

Hey guys,

I make a wee bit of money from selling stuff online and it goes into my paypal account (which I just use for buying stuff on eBay), however I'm off abroad in a few days and would like to know if it's possible to transfer money from my PayPal account to the O2 Moneycard.

I have the cards linked already - any help would be much appreciated.

Thanks!

fritzelly · 21-04-2011 3:36pm

Z Brannigan wrote: »

Hey guys,

I make a wee bit of money from selling stuff online and it goes into my paypal account (which I just use for buying stuff on eBay), however I'm off abroad in a few days and would like to know if it's possible to transfer money from my PayPal account to the O2 Moneycard.

I have the cards linked already - any help would be much appreciated.

Thanks!

No, you can only transfer to your bank account...then you can transfer it to your O2 card...

Resend · 05-05-2011 8:47pm

Aug2009 wrote: »

Mine is from credit union in Bishopstown.

only for members?

I like the 02 advert though - it is cool with the magician idea.:cool:

you'd want to be a magician to pay the fees:D

Resend · 05-05-2011 8:50pm

blubloblu wrote: »

Where did you read that?
I use Ulster Bank, the only fees I pay is the Government stamp duty, which would be €2.50 a year if you don't use the card in an ATM. I have a Visa Debit card I can use anywhere that takes Visa.
O2 Money charge €5 for the card, up to €3 for every topup, €1 for ATM withdrawal, €5 if you ever want to take money off it, plus the Stamp Duty.
I don't know why anyone would use O2 Money.

do you need a current account for that

Resend · 05-05-2011 10:34pm

Butch Cassidy wrote: »

Grrr the play.com £1.00 temp authorisation transaction strikes and for some reason it hit me with it twice!

if its with 3v you can get it cancelled by contacting 3v

blubloblu · 05-05-2011 11:16pm

Resend wrote: »

do you need a current account for that

Yeah, but it doesn't cost anything to open one.

Irishmaster · 22-05-2011 9:45pm

Hi, I use 3v vouchers mainly for buying online but can anyone tell me what the new o2 card is like? Is it better than 3v? Do you have to pay a surcharge everytime you top up the o2 card? What are its costs? Also i mainly put the 3v vouchers into my paypal which takes 1 euro off of it. How much do they take if you use the o2 card?

condra · 22-05-2011 10:17pm

Irishmaster wrote: »

Is it better than 3v?

YES. in every way.

Example - Today I topped up by 50 quid in my local Centra. It cost me 51 euro. Bought a gift for my girlfriend online for 47 euro, and the 3 remains in my balance.

It really is as straight-forward as is advertised.

I threw my 3V card in the bin.

Irishmaster · 22-05-2011 10:49pm

Thanks for that! Think ill switch and give a shot then!

3v goes 2.50 and 5.00 surcharge, what is it on the o2 card? Sorry its ok! Found this, http://www.o2online.ie/o2/uploads/pdfs/o2-money/O2-Money-Tarriffs.pdf

condra · 22-05-2011 10:54pm

Its all here bro:
http://www.o2online.ie/o2/o2-money/about-o2-money/

ohthebaby · 23-05-2011 2:26am

Hey.

I'm in the process of trying to set up ebay and paypal and all that stuff and it seems I need a credit card to verify my identity or something? Now I don't have a credit card and neither do my parents so I was just wondering could I use the o2 card for this? I'm confused!

Thank you!

condra · 23-05-2011 2:32am

ohthebaby · 23-05-2011 2:35am

Perfect!

Nice Obama touch there. Good to see everyone getting into the spirit of things!

fritzelly · 24-05-2011 3:46am

As far as I remember to verify the credit card all you need to do is enter the reference number (should be a 4 digit number) used for the card verification charge (of €1) which you can get by logging into your O2 account and you will see the number with the charge details

Pangea · 27-05-2011 1:56pm

Did anyone register their card with BOI 365 yet?
Im trying to link the card to my BOI laser card online but it seems a bit of a chore, think I have to register my phone number first to allow bank transfers and then wait for a letter!!!

Pangea · 12-06-2011 11:57am

Got the Bank thing sorted, The Ulster bank visa card looks tempting.
The thing I like about 02 though is that you don't have to pay the Stamp duty of 40 euros, it's 5 euros.
Also the loading charges are quite small, only thing that annoy's me is the 2.75% commission on foreign currency's. Which works out at 27.5 euro for every 1000 euro you spend. Still I wont be using too many 1000 euro's so not too bothered at the same time.
I suppose if you where to be pirnickty and add up all the costs, it might very well go over the normal 40 euro stamp duty that's on other credit cards if you where spending over 1000 a year.
It's very handy topping up from the bank account online.

blubloblu · 12-06-2011 5:39pm

Pangea wrote: »

Got the Bank thing sorted, The Ulster bank visa card looks tempting.
The thing I like about 02 though is that you don't have to pay the Stamp duty of 40 euros, it's 5 euros.
Also the loading charges are quite small, only thing that annoy's me is the 2.75% commission on foreign currency's. Which works out at 27.5 euro for every 1000 euro you spend. Still I wont be using too many 1000 euro's so not too bothered at the same time.
I suppose if you where to be pirnickty and add up all the costs, it might very well go over the normal 40 euro stamp duty that's on other credit cards if you where spending over 1000 a year.
It's very handy topping up from the bank account online.

Stamp duty isn't €40. €2.50 if used in ATM, €2.50 if used at point of sale/online, €5 if used for both.

Pangea · 13-06-2011 3:15pm

blubloblu wrote: »

Stamp duty isn't €40. €2.50 if used in ATM, €2.50 if used at point of sale/online, €5 if used for both.

Yeah I know that ,I was referring to normal credit cards, its 40 euro a year.

Pangea · 14-06-2011 7:43pm

How do you pay the 5 euro charge for stamp duty?
eg. If there's no money in the card what happens?

DeadMoney · 16-06-2011 7:31pm

Hi, I need to make a $850 within the next few days and do not have a credit card. Can I just call in to an o2 store and sign up for one of these cards? Like will they give it to me there and then?

Thanks

flazio · 16-06-2011 8:48pm

DeadMoney wrote: »

Hi, I need to make a $850 within the next few days and do not have a credit card. Can I just call in to an o2 store and sign up for one of these cards? Like will they give it to me there and then?

Thanks

Seems a bit of a steep ask, you can go into an o2 store and ask, but I'd advise you to bring driver's license or passport and proof of address dated within the past 3 months in case they need to up the limit.

jor el · 16-06-2011 9:05pm

DeadMoney wrote: »

Hi, I need to make a $850 within the next few days and do not have a credit card. Can I just call in to an o2 store and sign up for one of these cards? Like will they give it to me there and then?

Thanks

Read the FAQ on their site.
http://www.o2online.ie/o2/o2-money/faqs/#buyone

There are limits to the amount you can top up in a day. It's not clear whether you can have that much on your card either.

DeadMoney · 16-06-2011 9:55pm

flazio wrote: »

Seems a bit of a steep ask, you can go into an o2 store and ask, but I'd advise you to bring driver's license or passport and proof of address dated within the past 3 months in case they need to up the limit.

It seems 350 per day is the maximum that you can put on your card so maybe I could do 2 separate top ups on different days. I'll call in to my local store 2moro. Thanks

JackieChan · 23-06-2011 7:40pm

I have a Nigerian associate who wishes to transfer a large sum of money to me once I give him some personal details.... could he 'topup' my O2 card? I don't see anything on the O2 site relating to this.

jor el · 23-06-2011 8:05pm

Is this real? This is someone you actually know, right?

http://www.o2online.ie/o2/o2-money/faqs/#buyone

How do I top up my Card?

After you have entered your O2 Money Code online, you can top up your card by transferring money from your bank account to the card, in any O2 store or Payzone outlet. Bank account transfers are the cheapest way to top up.

fritzelly · 23-06-2011 9:04pm

JackieChan wrote: »

I have a Nigerian associate who wishes to transfer a large sum of money to me once I give him some personal details.... could he 'topup' my O2 card? I don't see anything on the O2 site relating to this.

Dr_Herringbone · 27-07-2011 9:40am

I was buying 3v credit the other day and the guy in centra recommended the O2 card to me.

My 3v card is mainly used for buying records off ebay and discogs, many of them from the US and UK.

As these are paypal transactions, would these dollar and sterling transactions incur the 2.75% fee?

WolfForager · 27-07-2011 9:42am

Hmm O2 are charging 8 euro tax on this for me tomorrow, but i have nothing in my account, they've asked me to top up so they can charge me, anyone know if there will be any negative effects (for me) if i don't bother topping up?

condra · 27-07-2011 2:09pm

I'm in the same boat and I'm not topping up. No effing way. They can charge me next time I top up.

condra · 29-07-2011 2:50pm

so I didn't top up, and...

Hi

Further to our email of 22 July 2011 regarding the Government Stamp duty fees on your O2 Money card, we have attempted to collect the amount owed from your card.

Unfortunately because your balance at the time of collection was €0.26 we could not collect the full amount. The amount collected was €0.26, leaving €2.24 outstanding. In order to pay the full Government Stamp Duty you need to top up your O2 Money card. The remaining fee will then be taken from your card.

I had a feeling they would wait.

NiallerMc · 04-09-2011 11:09pm

has anybody used this when over in america yet

MapForJ · 08-09-2011 6:42pm

Aug2009 wrote: »

As long as you dont use it abroad or using foreign currencies or in ATMs it isnt too bad i guess. They do charge you to top-up though.

Nobody has yet beaten my card (Bishopstown Credit Union) €1 a year and no other charges. You can use it abroad, in ATMs - everywhere really - without charges. Some ATMs charge but it is written on the ATM so just avoid those and go to ones without the charge. Of course if you use a different card abroad you will be charged regardless.

The challenge is out there for everyone - Can anyone beat the Bishopstown credit union card? I have done my homework and I cannot find one.

can it be used online and do you have to live in that area to get one?

shuffles03 · 22-09-2011 4:05pm

I'm off traveling for the year in 3 weeks and was thinking of getting the O2 card before I go. I already have a BOI account which I will be using but I was going to get the O2 card to have if we need to book accommodation, flights etc as we go along.

Should I bother? I know there's charges for using it abroad but I'm not really arsed opening an Ulster bank account to get the same privileges.

Has anyone done this?

booboo88 · 25-09-2011 5:32am

Aug2009 wrote: »

I thought this sounded great until I read the costs. 4.99 to buy it. €1 to take money out of ATMs. :eek:

I got a card that does everything I need and i dont have to pay anything like the charges O2 have on their card. (Mine is from credit union in Bishopstown.

I like the 02 advert though - it is cool with the magician idea.:cool:

Did you have to have an account in bishopstown credit union?

O2 money card (prepay credit card)

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