Paxum review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paxum is a prepaid card for people who want a dollar balance with no monthly charge, with each load costing $0.25 per load. It runs on mastercard and is authorised in Ireland, so it suits everyday spending and repeat top-ups rather than a single high balance.
Key facts
- Best for
- A dollar prepaid card with no monthly fee and a small top-up charge.
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- $0.25 per load (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Segregated Payments Ireland Limited (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Official website
- paxum.com
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Monthly fee of $0, against €5 at Skrill.
- Each load costs $0.25 per load, a small charge added to every top-up.
- An Irish licence under PSD_PI IE_CBI!C193896, with Segregated Payments Ireland Limited as the named operator.
Cons
- Every load costs $0.25 per load, so frequent top-ups add up quickly.
- The card is prepaid rather than debit, which suits people who want to control their own balance.
Who it suits
- People who want a prepaid card with no monthly charge and loads priced at $0.25 per load.
- Dollar spenders who want mastercard acceptance and a named Irish operator, Segregated Payments Ireland Limited.
- Readers who keep a working balance and top up rarely, since each load costs $0.25 per load.
Who should look elsewhere
- People who top up often, since every load costs $0.25 per load and the charge repeats.
- Readers who want a euro-priced account with the cost shown monthly: Skrill lists €5 a month.
- Buyers who prefer a card priced in another currency can look at CrediMax Cardy EX prepaid Visa, at BHD 0.
Fees and FX
The personal account carries a monthly fee of $0, so holding the card costs nothing over a year. Loading the balance is the one charge to watch: each load costs $0.25 per load, and it repeats every time you top up. People who add small amounts often pay more in loads than people who make fewer, larger top-ups.
How Paxum compares
Where Paxum is available
- Licence in Ireland
- IE_CBI (PSD_PI IE_CBI!C193896), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, Greece, Croatia, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What is the monthly fee on a Paxum card?+
The personal prepaid account has a monthly fee of $0, so there is no recurring charge for keeping the card. The only regular cost is topping up: each load costs $0.25 per load and is charged every time you add funds.
What does it cost to top up a Paxum card?+
Each load costs $0.25 per load. That makes the top-up charge the practical thing to model, since a card loaded repeatedly pays it repeatedly. Adding a larger balance in a single load spreads that charge over more spending, while the monthly fee stays at $0.
Is Paxum a debit card or prepaid?+
It is a prepaid card, so money is loaded onto the balance and spending draws down that balance. Anyone expecting a card that takes payments straight from a bank account will find a different model here, and should weigh a true debit option instead.
Which network does the Paxum card run on?+
The card runs on mastercard, a familiar network for shops and online checkout. Spending draws on the loaded balance, so the prepaid model is what separates Paxum from a bank-backed card. Readers who want a card type listed as debit should compare the alternatives first.
Who runs Paxum and where is it based?+
The account is run by Segregated Payments Ireland Limited, based in Ireland, and it holds a licence there under PSD_PI IE_CBI!C193896. Readers comparing prepaid cards can use the named operator and the licence to see who stands behind the balance.
How does Paxum compare with Skrill on cost?+
Paxum charges a monthly fee of $0 and $0.25 per load per load. Skrill lists a monthly fee of €5, so the choice turns on whether you prefer a recurring monthly charge or a charge each time you add funds.
Where does the monthly fee sit against other prepaid cards?+
It sits at 1 of 419 brands ranked on monthly fee, with a fee of $0. Several prepaid cards match that figure, so the difference between them comes from usage rather than the monthly charge.
Who is Paxum suited to?+
It suits people who want a prepaid card, want to avoid a monthly charge of anything like €5, and are happy to pay $0.25 per load each time they add funds. Readers who top up every week should look closely at that per-load charge.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=IE_CBI!C193896; EntityType=PSD_PI; ENT_NAM=Segregated Payments Ireland Limited”
- paxum.com/faq/paxum-prepaid-mastercard checked September 26, 2026
Backs: Top-up fee, Card network
“There is a $0.25 USD transfer fee applied and transfers to the card are usually available instantly - Personal Account to Paxum Prepaid Mastercard”
- paxum.com/fees/personal checked September 26, 2026
Backs: Card type, Monthly fee
“Paxum Prepaid Mastercard - Personal Account Fees”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.