WeSwap | Prepaid MasterCard®

3444 reviews

Monthly fee: Free

Card fee: Free

WeSwap | Prepaid MasterCard® customer reviews.

3444 reviews

4.6 out of 5 stars

Best travel money provider
21:29 17-12-2018
ImageSmart Money People

Weswap is by far the best way to get foreign currency for holidays. The web app interface is designed to be very fluid. I have now used the system a few times. Very happy with experiences. Tanny


Great rates and easy to use all around the world
18:04 17-12-2018
ImageSmart Money People

Really good travel money card! Great rates and refer a friend option plus easy to use abroad and contactless

Kirsty Poole

a few, "Brilliant", words
10:16 17-12-2018
ImageSmart Money People

I cannot fault WeSwap, in all the time that I have been using WeSwap both for travel cash and using the money card. Whenever I order travel cash I always get the top exchange rates on the market, it is extremely rare that they get beaten on the open market rates. The preloaded money card is "brilliant". it can be used anywhere and once again you get the best rates when you load money. It is so easy to use in conjunction with my mobile app. I cannot praise it more highly. Well done WeSwap.


Best Travel Card and service around
09:50 17-12-2018
ImageSmart Money People

WeSwap is single-mindedly focused on sorting out money and exchange issues when traveling. It offers valuable convenience in a super easy to use card / app. I've tried others but would always recommend WeSwap !!


Easy and straightforward to use
09:35 17-12-2018
ImageSmart Money People

It simply "works", which I love. I don't have to think about it


User friendly and the best prices
09:24 17-12-2018
ImageSmart Money People

User friendly and the best prices

Jack McCarthy

Excellent, very attractive rates and super easy platform
22:33 16-12-2018
ImageSmart Money People

Very easy platform and does work real good in various major countries


Great app and works every time
08:17 16-12-2018
ImageSmart Money People

I use this card when travelling to the US and EU. It has worked flawlessly every tone and I find it has the best rates. The flexibility and simplicity you have over your funds is unrivalled I've found.

James Biz

A must-have for travellers
23:38 15-12-2018
ImageSmart Money People

Offers great rates and convenience. Easy to use and you know what you're spending because it's tracked on the app. Very happy with this card.

Bryn H

Cheap and convenient
17:27 12-12-2018
ImageSmart Money People

Amazing product for all travelers


Our review of WeSwap | Prepaid MasterCard®

WeSwap is a novelty within the prepaid credit card market – in a way it’s crowd funded as it switches the currency you’ve topped up with the one you’ve requested – which has come another user’s deposit. WeSwap do it in this way in order to get their customers fair rates. There is no monthly fee for the card, however there are commission fees charged for the initial currency swap and then for withdrawing cash – this will vary depending on what currency you are spending in, but for the UK it works out as £1.50 if you take out less than £200.

Customers can control their WeSwap prepaid credit card by either logging into their dashboard on the website, or by downloading the app to their mobile. They can set up a profile which will act as a central hub to view balances, swap currencies, load their card or swap back to Sterling if they’ve not used the remainder of their funds.

A quick search of the web for WeSwap reviews shows that they have a rating of ‘great’ from TrustPilot users – these reviews are also displayed on the WeSwap website. Customers are particularly happy with the customer support, ease of use and that they felt that their money was safe during each transaction.

Overall verdict: A good concept in theory which appears to be working for people if you take the positive reviews into account. Quick and easy with minimal fees and good control, WeSwap is a great prepaid card if you’re going travelling and need to switch currencies.

Written by: Alex


  • Swap currency with other WeSwap users
  • Accepted where the MasterCard logo is displayed
  • 18 currencies
  • The card will switch to the local currency automatically
  • No charge for swapping back to Sterling

Minimum criteria

  • You must be aged over 18
  • You will need to be a UK resident or of one of the other 9 countries accepted (see website for details)


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About WeSwap | Prepaid MasterCard®

The WeSwap prepaid credit card works by swapping currencies between users. To load the card you would load it with Sterling using your debit card or via bank transfer, then select the currency you need and WeSwap deal with the exchange of the money to ensure that the money is swapped fairly and at a good rate. Your WeSwap MasterCard is then topped up with the currency that you requested and is accepted worldwide wherever the MasterCard logo is displayed.

There is no fee for the WeSwap card but you will have to pay a fee every time that you swap to another currency when you have made a new deposit. This varies depending on how long it’s been since you loaded the card – if you do it the same day then you will have to pay 2.0% of the amount, if it’s after three days it goes down to 1.3% and if it’s after one week then it decreases further to 1%. You will also have to pay a fee for withdrawals under the equivalent of £200, which is around £1.50. The fee will change depending on where you are doing the activity as the fees are charged in the currency local to where you are using the card.

Loading the WeSwap card is done by logging in to the website and accessing the dashboard where your travel wallet will appear. By transferring money using either debit card or bank transfer you can then choose which currency you want to switch to and then follow the prompts on the website. WeSwap will send an email once they have received the transfer which can sometimes take a couple of hours depending on your bank or building society.

Company information

Registration number: 07189664



6 Spectrum House, 32-34 Gordon House Road, London, NW5 1LP

FCA registration

Reference No: 453514

Trading names: IDT Financial Services Limited, WeSwap

Place of business: 57-63 Line Wall Road, Gibraltar

Data protection registration

Registration No: Z3012766

Data controller: WESWAP.COM LIMITED

Address: 57-63 Line Wall Road, Gibraltar

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