MyOptimumCard Reviews 

I have had optimum card since before covid as I thought it would be a secure way to pay for small items such as coffee and beer etc and then leave cash at home, and to enable daughter to get shopping for me! At that time free to use.
It was like flogging a dead horse! Difficult to add cash via the app and constant promises that servers would soon be working or app updated!
Card denied in retailers as the service would not respond in the necessary time to the transaction!
Just slowly gave up! And they introduced a monthly charge!
Got a Curve card, instantly worked and also linked by phone as the payment vehicle.
Took me a long time to get round to cancelling my Optimum card but finally put it behind me today and thought I should share my experience!

I have used Optimum Prepaid Card for over 5 years. I have never had a problem with loading funds from my current account, or indeed using it in shops or online.
I had to call customer service once, and they were so polite and helpful, and guess what, I was not on hold for more than 3 mins.
I wonder about all these negative reviews, I would imagine they are fake.

Wow! After a long wait since my old card expired a new card appeared through the post.
Excellent.... I thought.
But when I came to load some money on the card it failed to process again, and again, and again.

Cancelled my card nearly 3 months ago with a balance of £246.92 owed to me. This money has not been returned and despite three emails - no reply has been received. I am now going to use the small claims court to try to get my money back. Please don't be tempted to use this company - stick with a reputable, well known institution instead. Optimum are a bunch of sharks as evidenced by the 82% of one star reviews here on Trustpilot.

Update: 9 May 2022. Not possible to contact this company anymore - tried email, chat and phone. Now I'm going down the legal route to expose them and to retrieve my funds which as far as I'm concerned they have stolen. There appear to be many others in my situation and I would advise doing the same.

Although there are problems adding funds either online or via the app, which I assume are due to the new security verification checks that Optimum have not yet implemented, you can still add funds by bank transfer using the following information. Have not had any problems loading and using the card now, just slightly annoying that the app is still not completing transaction, hopefully will be fixed soon. Confirmation of this by Optimum customer service would be help in addressing these negative reviews.

Recipient Bank: Barclays Bank
Recipient Account Name: Prepay Technologies Ltd
Sort Code: 20-03-53
Account number: 03125084
Payment Reference: MUST be the 14 digit account number on the BACK of your OPTIMUM card

They have stolen what funds I had on the card and do not reply to correspondence. Avoid these, the app is so poorly designed and limited.

Trying to find out why they have taken my money but feel they may have gone bust.

Utter crap.

Most useless implementation of 3DS ever. Totally broken the ability to add funds to this card either via their crap app or their website.

Customer services has gone AWOL and don't answer the phone, reply to email, call back and even their online chat doesn't work.

I am puzzled by all the negative reviews. I have found this company to be very helpful, and I have never seen their web site crash. This card is very useful, and any problems/queries I have had have been dealt with intelligently by their very helpful support staff, both by e-mail and by phone - all my issues have been resolved including some tricky ones. They seem quite professional to me, and their fees are very reasonable also. I highly recommend this card - I have been a customer of Optimum for over 5 years now. It is a more attractive prepaid card than most on offer. I just wonder why people are leaving such negative reviews, I have never had any of these bad experiences - are these reviews genuine ?

***update 19 Feb 22***
Their systems have been offline for 4 days now and no response from customer service. It looks like they have gone bust and closed.

The app and website are poorly written and crash often.

Their systems spend more time offline than online.

“The server has had a hiccup - Please try later” is a frequent occurrence and the system can be offline for days.

One star is too many.

No longer worthy to be a prepaid debit card issuer. Orange I had no problem with, but those that have it now, incompetent customer service staff who give wrong information. Avoid at all costs.

The worst prepaid credit card I’ve ever had. Do not use! Transferred £100 from my bank account over 6 months ago that I have never been able to spend. It seems to have vanished into thin air and no one is doing anything about it. If you want to give a company your hard earned cash for free then go ahead but don’t say you haven’t been warned!

I've had an Optimum Card for three years, as I wanted my daughter to have access to cash on a pre-paid card. Now things have changed and I decided to close the account and withdraw the balance of the account. I found there's no option to do that online, so I emailed Customer support to close the account on 5th July. At 26th August, following several mails, I'm still waiting for my money back with Optimum advising it might be another 3 weeks before the money reaches my account.
So what can you expect with them? Excessive fees, random card delivery process, glacial customer service speed and difficulty in promptly returning funds. Avoid.

Had a card from the time when it was Orange cash without any issues but now my card has expired they won't give me a new one without any reason. I've had multiple replacement cards over the years but now they have decided I can't have a new card, Atrocious.

How can they justify taking longer than 30 days to give you back the cash on your card when you cancel it. This is appalling behaviour after 30 days I get the’ due to the large number of refunds being requested it is going to take longer ‘. message only after I chased them again

Avoid this card/company at all costs.
I closed my account after they changed their terms and conditions to start charging monthly fees.
I therfore requested refund of my funds.
They claimed it will take them 30 days to process a refund (but only after I requested one)... a complete lie as most people know that an electronic transfer can be done in 2 minutes.
50 days have now elapsed and despite lots of emails to them chasing my refund, they have still not refunded. This treatment of 'customers' is obviously a company policy and borders on fraud.

I got no further than looking at this bunch of bandits disgusting charges at which point I scrapped my application. Avoid at all costs.

Optimum card is rubbish! . If i could give them half star i would. Please, dont waist your time joining them. If you cancel your account, it would take you nearly 6 months to get your balance funded. It took them 6 months to refund me and they refused to transfer my money to my account and instead they wrote a cheque. I was told that i would get my cheque within 30 days. After 30 days, they told me 45 days. After 45 days, they told me they would follow it up. What useless organisation. I never joined them, my details was transferred to them via the "orange card " the formal owners of the card. Since this useless optimum card took over, they messed everything up. Their customer service is rubbish and their staff are lairs too. Quote me anywhere. They are even have racial issue. Finally, i got my cheque, to God be the glory. I would never recommend this card operator to anyone in my life time.

Using to pay for a holiday, didn't send a replacement card as stated in the email. Can't access money for the next 7-10 days and was told I should of read the T&C's from over two years ago. Also had to pay 1pound for each call made to the company. Staff on the end of the phone were polite in their inability to help though.