PCS Mastercard review
Updated September 29, 2026 · DebitCue Editorial Team · Facts checked September 29, 2026
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Our verdict
PCS Mastercard suits budget conscious spenders who want prepaid control on Mastercard with cashback and phone based care, and who accept a monthly fee of €2. Loads attract charges of 7% coupon, 4% bank card, 2% transfer, so frequent loaders should weigh that burden against Finom at €0 before choosing.
Key facts
- Best for
- Controlled prepaid spending on Mastercard with cashback
- Monthly fee
- €2 (Source, checked September 28, 2026)
- Card type
- Prepaid (Source, checked September 28, 2026)
- Top-up fee
- 7% coupon, 4% bank card, 2% transfer (Source, checked September 28, 2026)
- Card network
- Mastercard (Source, checked September 28, 2026)
- Official website
- mypcs.com
Apps and profiles
- Elsewhere
- Trustpilot
Pros and cons
Pros
- Prepaid structure as prepaid on Mastercard helps you spend from loaded balance only
- Cashback rewards as cashback add value to eligible prepaid spending
- Phone support through phone and help centre plus help centre guidance for everyday queries
- Licensed footprint with 17238 and LB002139 linked to ACPR and Central Bank of Lithuania
Cons
- Monthly fee of €2 applies even in quiet months, unlike Finom at €0
- Annual fee of €4.90 adds to yearly cost alongside the monthly charge of €2
- Top up charges of 7% coupon, 4% bank card, 2% transfer raise the cost of adding funds by coupon, bank card or transfer
- Support runs on phone and help centre only, so chat or email users may need to adapt
Who it suits
- You may prefer PCS Mastercard over Finom if you want prepaid budgeting as prepaid rather than a business style account
- You may prefer PCS Mastercard over Pixpay if cashback as cashback on Mastercard matters more to you than Pixpay pricing
- You may prefer PCS Mastercard over Payit if Mastercard acceptance through Mastercard suits your daily spending better
Who should look elsewhere
- You should consider Finom instead if you want a monthly fee of €0 rather than €2
- You should consider Payit instead if its monthly fee of AED 0 appeals more than €2 for your budget
- You should consider Pixpay instead if its monthly fee of €3.99 fits your plans better than €2
Deposit protection
Deposit protection for this prepaid offer links to formal authorisation rather than to marketing claims. The listed details include licence LB002139 connected with the Central Bank of Lithuania. It also lists licence 17238 connected with ACPR in France. You should read those licence entries as the compliance anchor for the account. You should not assume broader bank protection beyond what those authorisations state. You should keep your own view of risk by checking the named authorities directly. You should save statements, load receipts and card terms alongside those licence references. You should treat the licences as the starting point for any safety question. You should ask support to explain how client funds are held under those permissions. You should review updates to terms if the licence position changes. You should compare this licensed position with other prepaid options before you load large balances. You should use smaller test loads at the start while you learn how the account behaves. You should monitor fees, limits and notices that affect your balance over time.
Who regulates it
Regulatory coverage for this offer is described through named authorities and licence references. The Central Bank of Lithuania appears as a regulator, linked to licence LB002139. ACPR appears as the French authority, linked to licence 17238. You should view those entries as the regulatory map for the product. You should check each authority register if you want confirmation of status. You should note that prepaid regulation differs from full banking regulation in scope and duties. You should read the card terms to see how those permissions shape complaints, safeguarding and conduct duties. You should keep copies of disclosures that cite those licences. You should contact support when any term seems unclear about regulatory cover. You should revisit the registers after material changes to the product or provider. You should compare regulatory wording across rival prepaid cards before you choose. You should weigh clarity of disclosure alongside cost and usability when you decide. You should avoid loading funds beyond your comfort level until you understand the cover.
Everyday use
Everyday use centres on prepaid control with broad acceptance and assisted support. The card type is prepaid, so you spend from funds you have loaded in advance. That structure helps you cap discretionary outgoings and separate daily spending from other funds. The network is Mastercard, so you can pay where that mark is accepted and manage cash and purchases within your balance. You should plan loads around paydays, travel or gifting needs to avoid declined payments. Support runs on phone and help centre, giving you phone contact plus a help centre for guides and answers. You should use the help centre for routine questions about loads, limits, PIN matters and card care. You should call when an issue needs prompt review or reassurance. You should keep your card details, receipts and messages in order to speed up any enquiry. You should review spending patterns often and adjust load size to match real habits. You should treat the prepaid format as a budgeting aid rather than a credit facility.
The company behind it
The company behind this card is stated as CreaCard SAS. That entity name matters for contracts, statements and any formal correspondence you send or receive. You should look for that name on terms, fee pages and notices to confirm you are dealing with the correct provider. Support is offered through phone and help centre, which pairs direct phone contact with help centre material for self guided answers. You should use the help centre to resolve routine matters and reserve calls for urgent or account specific points. The compliance footprint cites licence LB002139 under the Central Bank of Lithuania. It also cites licence 17238 under ACPR. You should treat those references as part of the corporate identity and accountability chain. You should save terms that carry the legal entity name and licence details. You should check for changes to entity, support routes or licensing before you rely on older documents. You should compare company disclosure with rival providers for clarity and completeness.
How PCS Mastercard compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 9.2
8.5 vs 8.8Finom carries a monthly fee of €0 while PCS Mastercard carries a monthly fee of €2, which may suit you if you want to avoid a recurring charge
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 9.0
8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.7
8.5 vs 9.2
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 8.8
8.5 vs 9.6
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 8.9
8.5 vs 8.8
8.5 vs 8.8- 8.5 vs 8.8
- 8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.3
8.5 vs 8.2
8.5 vs 8.0
8.5 vs 8.0
Where PCS Mastercard is available
- Licence in Lithuania
- Central Bank of Lithuania (LB002139), checked September 28, 2026
- Licence in France
- ACPR (17238), checked September 28, 2026
Frequently asked questions
What monthly charge applies to PCS Mastercard+
PCS Mastercard charges a monthly fee of €2 for keeping the account active. You should budget for this charge across the year alongside the annual fee of €4.90. Compare this with Finom at €0 if a lower recurring cost matters to you.
Is there an annual fee to pay+
PCS Mastercard carries an annual fee of €4.90 in addition to the monthly fee of €2. You should weigh annual plus monthly costs when judging value. Check how often you plan to use the card before you commit.
How much does it cost to load funds+
Top ups attract charges of 7% coupon, 4% bank card, 2% transfer depending on the method you choose. Coupon loads cost the most, bank card loads cost less, and transfer loads cost the least among the listed options. You should choose transfers where possible to keep loading costs down.
What type of card is it and which network does it use+
PCS Mastercard is issued as prepaid on the Mastercard network. You load funds before you spend, which helps you stay within budget. You can use it wherever that network is accepted, subject to available balance.
How can you get help with the account+
Support runs on phone and help centre covering phone and help centre assistance. You can call for urgent queries or browse guidance articles for common tasks. You should check opening hours and self help material before you need urgent assistance.
Who regulates PCS Mastercard+
Oversight links to licences LB002139 and 17238 tied to the Central Bank of Lithuania and ACPR. You should confirm current licensing details with those authorities if assurance matters to you. Keep records of your balance and statements for your own files.
Which company provides PCS Mastercard+
The legal entity behind the offer is CreaCard SAS, stated as CreaCard SAS. Support is provided through phone and help centre. Licensing references LB002139 and 17238 connect the entity to the Central Bank of Lithuania and ACPR.
Sources
- mypcs.com/tarifs checked September 28, 2026
Backs: Card type, Top-up fee, Monthly fee, Card network
Compiled from 1 source page, checked September 29, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.