ecoPayz MasterCard and ecoVirtual card: fees and limits

What is ecoPayz MasterCard?

If you are hoping to make the most out of every one of your transactions through your ecoPayz account or ecoAccount, then the ecoPayz MasterCard, is undoubtedly the perfect addition to your finance handlings. From online or offline purchases of up to €5,500 a day to worldwide daily ATM cash withdrawals of as much as €750, your MasterCard will facilitate every one of your financial endeavours. Your ecoPayz MasterCard is directly linked to your ecoAccount such that its balance is readily available for you to access anywhere that accepts MasterCards.

The ecoPayz MasterCard is a contactless deposit or prepaid MasterCard plastic card. For purchases up to € 50, you may make full use of its contactless feature without having to enter your PIN code. As with all prepaid cards, your spending will be restricted to the funds already available in your ecoPayz account. This means that you will not have the option to take credit with an ecoPayz MasterCard as it strictly operates on a prepaid basis.


ecopayz mastercard

You will have the option to order up to three ecoPayz MasterCards in different currencies. These may be set up in either EUR, USD, GBP, PLN, DKK, CZK, NOK or SEK and will allow you to avoid having to pay for exchange rate fees whenever you are withdrawing cash from an ATM.

The only restrictions on ecoPayz MasterCard that you should be aware of are as follows:

  • Cardholder’s area of residence where ecoPayz MasterCards are only issued to the 31 member countries of the European Economic Area (EEA).
  • Daily limits on cash withdrawals and shopping.
  • The ecoPayz MasterCard is valid for 2 years, after which it will need to be reissued.

Luckily, commissions and further limits may be unlocked by creating an ecoPayz account via Baxity. One just needs to send their account details, including their ID and email, to Baxity to initiate their linked account.

For those who enjoy some additional security or require some extra anonymity, the ecoVirtualCard offers the perfect refuge for both cases. As a virtual disposable card, it may be created whenever it is needed and can be used as a single-use payment intermediate for any one of your more delicate transactions.

Until recently, ecoPayz had been issuing a card – ecoCard. Although this card is still used by those who ordered it before, this card is no longer available for new ecoPayz customers. EcoCard was replaced by ecoPayz MasterCard. Its features are very similar to ecoCard, but there are small differences in card fees and limits. If you are interested in more detailed information about ecoCard, you can find it by following this link.

If the ecoCard holder orders an additional prepaid card, he will receive a new ecoPayz MasterCard, but his old ecoCard will be disabled, and in the future, only ecoPayz MasterCard will be available for ordering.

ecoPayz MasterCard fees

Once ordered, your ecoPayz MasterCard will be delivered within just a handful of days and completely free of charge. As long as you have gone through the required verification process for your account, the only fee you will have to pay to obtain your card is for its re-issue.

ecoPayz MasterCards operate on a unique principle which sets its tariffs regardless of your account status. Unlike the conventional limits set on most of your transactions, your ecoPayz MasterCards taxes are set to the same rate for all status.

Tariffs for all statuses (Silver, Gold, Platinum, VIP):

Service Silver Gold Platinum VIP
Card issue and activation FREE FREE FREE FREE
Courier delivery fee (UK) 10.00 GBP 10.00 GBP 10.00 GBP 10.00 GBP
Courier delivery fee (EEA) 30.00 GBP 30.00 GBP 30.00 GBP 30.00 GBP
Cash withdrawal* 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR)
Cash services** 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR)
Transaction processing FREE FREE FREE FREE
Currency conversion 2.99% 2.99% 2.99% 2.99%
Card cancellation or redemption FREE FREE FREE FREE
Card replacement 12.50 EUR 12.50 EUR 12.50 EUR 12.50 EUR
Balance enquiry, account inquiry and statement enquiry FREE FREE FREE FREE
Update of customer details (i.e. change of address, etc.) FREE FREE FREE FREE

* Withdrawals via the ATMs and bank withdrawals
** Financial institution (banks) services; Travelers cheques; Gaming and lotter; Money order, Forex, Security brokers and Dealers (stocks and shares).

Note: there can be some restrictions for the residents of UK, Canada and Bangladesh if they want to get Gold status in ecoPayz on special terms.

One should take particular note of the currency of the transaction and that of the card since their respective values may engender additional ecoPayz fees. If they differ, the conversion rate will be credited as 2.99 % of the total transaction amount. This can incur substantial costs whenever one withdraws cash from an ATM. It is therefore recommended that you exploit the offer for three different cards to possess one in each of the relevant currencies necessary to your regular transactions.

ecoPayz MasterCard limits

Although ecoPayz MasterCard limits remain somewhat contained, they differ between verified Silver accounts and the other Gold, Platinum or VIP statuses.

The quickest and most efficient way for you to boost your ecoPayz MasterCard limits to a maximum is to create your ecoPayz account directly through Baxity. This will let you obtain a Gold status within just two hours of submission and maximise your limits up to €500 for cash transactions and 11,000 EUR for purchases in one go.





Min single transaction No limit No limit No limit
Max single contactless transaction 50 EUR 50 EUR 50 EUR
Cumulative contactless transaction amount 150 EUR 150 EUR 150 EUR
Cumulative number of consecutive contactless transactions 5 5 5
Max single cash* transaction 250 EUR 500 EUR 500 EUR
Max single purchase** transaction 4,000 EUR 4,800 EUR 5,000 EUR
Maximum number of ATM withdrawals per day 10 10 10
Max daily (cash* transactions) 750 EUR 1,500 EUR 750 EUR
Max daily (purchase** transactions) 4,000 EUR 4,800 EUR 5,000 EUR
Max monthly (cash* transactions) 20,000 EUR 35,000 EUR 20,000 EUR
Max monthly (purchase** transactions) 50,000 EUR 80,000 EUR 30,000 EUR
Max yearly (purchase** transactions) 100,000 EUR 200,000 EUR 50,000 EUR
Card Life 2 Years 2 Years 2 Years

* Withdrawals in the ATMs and bank withdrawals
** Store and online purchases

Although the ecoPayz MasterCard is a fully functioning contactless card, one should note that after every 5 contactless payments of up to 50 EUR each, you will have to carry out one complete contact card payment with PIN.

How to order ecoPayz MasterCard?

To order an ecoPayz MasterCard, you simply need to be in possession of an active and verified ecoPayz account. If you do not yet have an account, you can create a new ecoPayz account via Baxity to reduce the tedious 24 hour verification period to just 2 hours. You will also be able to benefit from an immediate Gold status upon ecoPayz registration to maximise your ecoPayz MasterCard limits immediately.

Ordering ecoPayz MasterCard is straightforward and easy:

  • Log in to your account.
  • Go to the main menu “ecoPayz cards” and click on the “ecoPayz MasterCard” tab
  • Click “Get your card.”
  • Check and confirm the data, paying special attention to the postal address, where the card will be delivered to by regular mail. Click “Order card”.
  • Get an email confirmation within 1-2 days to approve the successful issue of the card.

The status of the request can be viewed in the “ecoPayz cards” section, under the heading “ecoPayz MasterCard”.

  • You will receive the card within 21 days of your confirmed application by means of a regular letter to your mailbox.
  • Activate the card to receive your PIN code online.

To activate the card, go to “ecoPayz cards” to the heading “ecoPayz MasterCard” and click “Activate”. You will be asked to enter the last 4 digits of your 16-digit card number, as well as your date of birth and your mother’s maiden name. All that is left for you to do is to click “Activate your card”, and you will receive a notification to confirm its successful activation alongside your PIN code.

You have three attempts to activate your card, after three unsuccessful attempts to activate the card you will need to contact ecoPayz support. After your card has been fully activated, you will be able to view your PIN code online anytime you need to.

Problems and solutions

How do I change the PIN code?

You can change your PIN code at any ATM you happen to pass by. Simply go to the “PIN code entry services” section and follow the instructions displayed on the screen.

I have still not received my card by mail 21 days after ordering my card, what should I do?

  • Check if the address in your account profile is up to date: go to “Settings” → tab “Account”. If it is not up to date, you will have to contact ecoPayz support to help you fix the mistake. Otherwise, if your address is correct, you may follow to the next point.
  • Go to “ecoPayz cards” to the tab “ecoPayz MasterCard”. If your request is still being processed, your “Status” tab will display the warning “Waiting Approval”.
  • If all of your data is correct, you should contact the 24-hour support team to help you out with your trouble.

What if the card is lost or stolen?

You should access your account in the menu “ecoPayz cards” under the tab “ecoPayz MasterCard”. There, you will have the option to “Cancel the card” where you may select the field “Lost” or “Stolen” in the appeared hint and “Continue” to complete your request. The card will be cancelled, and you will be forced to get rid of it even if you happen to find it again.

Otherwise, you should contact the ecoPayz support team immediately by phone at +44(0)371 898 1012 or via Live Chat.

Why has my payment/withdrawal been rejected?

There may be a range of reasons why your transaction has been rejected, here are a few of the most common occurrences:

  • You do not have enough money in your account to process the transaction fee
  • You have exceeded one or more limit
  • You have used the wrong PIN code. After 3 unsuccessful attempts, you will need to contact ecoPayz support to unlock your card.
  • The seller you are purchasing from does not accept MasterCard payment cards. In this case, you should personally check with the seller whether this is indeed the case or not.

What is ecoVirtualcard?

For just € 1,80 you can create a virtual card directly linked to your ecoPayz account known as the ecoVirtualcard. This is a single-use card which will automatically be cancelled one your desired transaction has been completed. This essentially ensures that your funds will not be stolen or lost.

The ecoVirtualcard is available for any member country of the EU or EEA in possession of Silver status. May be opened in three currencies of choice: EUR, GBP and USD. It will remain valid for as long as a year and will automatically be cancelled after 12 months of inactivity.

ecoVirtualcard fees

The ecoVirtualcard tariffs are status-independent and hence only charge general fees:

  • card issuance – 1,8 EUR
  • currency conversion – 2.99%
  • deposit of money to merchants (banks, brokers, funds, gambling merchants) – 4% (minimum 0.8 EUR)

All other services are completely free of charge:

  • card payment in online stores,
  • balance requests, invoices, statements of account,
  • changing the information in your profile,
  • card cancellation and closing.

ecoVirtualcard limits

The ecoVirtualcard has daily limits, which increase just as the status increases.

Limit Silver Gold Platinum VIP
Maximum single transaction €700 €700 €1,000 €1,000
Maximum number of cards per day 3 4 5 5
Maximum number of cards per month 30 40 40 40
Card expiry time 12 months 12 months 12 months 12 months

How to order an ecoVirtualcard?

Ordering an ecoVirtualcard could not be any easier or quicker. Just a minute of your time is required to have your card ready for use.

Once you are logged into your ecoPayz account, you can access your “ecoPayz prepaid cards” from the general menu. Under the “ecoVirtualcard” tab you should click on “Get your card” and select your account of choice which you would like to credit to your card. After selecting your desired currency, you have to confirm the terms of use, associated commissions and limits and you are ready to “Order your card”. After just a few clicks your ecoVirtualcard will appear in your account available for instant usage.

Availability of ecoPayz MasterCard and Virtual Card

The ecoPayz MasterCard and the virtual card (ecoVirtualcard) are only available to residents in 31 EU/EEA countries:





Republic of Cyprus

Czech Republic

























United Kingdom

Residents of other countries may still use ecoPayz and create an account but will be unable to obtain an ecoPayz MasterCard or ecoVirtualcard.


For any resident of the 31 EEA countries, obtaining an ecoPayz MasterCard or ecoVirtualcard is both a remarkably convenient and highly profitable endeavour to ensure that every one of your payments is fully secure and anonymous.

Wherever you go, you can access your ecoPayz wallet through your ecoPayz MasterCard. Whether you are hoping to carry out payments of up to €11,000 or withdraw up to €1,500 in cash for Gold status, your ecoPayz MasterCard ensures the efficiency and security of every one of your transactions. You may also transfer funds in other currencies alongside a 2.99 % conversion fee or order an ecoVirtual card for just € 1.80 to carry out a completely anonymous one-time purchase for as much as € 700.

You can easily double your ecoPayz MasterCard limits by creating your ecoPayz account via Baxity to benefit from instantaneous Gold status. Unlock higher caps for your shopping or ATM withdrawals to maximise on your transactions whenever you are using your ecoPayz MasterCard.


  1. Hmm… so you are saying that I should get 3 different cards with ecoPayz, in different currencies. You mentioned EUR, USD and GBP, is there an option for another currency like Swiss francs? This would be much better for me but I don’t know if it’s an option or not. I would like EUR, USD and Swiss francs. That would make sense for me right now. If this is not possible, what other options are there instead of GBP?

    1. Dear Liam, thank you for your question! Unfortunately, ecoPayz offers only EUR, USD and GBP as available currencies for ecoPayz MasterCard. We can do nothing in this case, unfortunately. You can try Neteller: there are more currencies for Net+ Prepaid MasterCard than ecoPayz can offer, but there aren’t Swiss Francs, unfortunately.

  2. What happens if I don’t receive my card in these 21 days? This is what happened to me. It’s been 24 days now and nothing. Maybe it’s a delay because of the pandemic or someone made a mistake. I don’t know what to do.

    1. Dear Emma, thank you for your question! There may be a little delay on the payment system side. We can’t influence it, unfortunately. Nevertheless, this issue is soluble. You just can contact ecoPayz support, describe your problem in details and they will help you to solve it.

  3. I’m from Bangladesh and it seems the cards (MasterCard and ecoVirtualcard) are not available for me, isn’t it? What I can do?

    1. Dear Azam, thank you for your question! You are right, ecoPayz MasterCard and ecoVirtualcard are unavailable in Bangladesh, unfortunately. ecoPayz cards are available only for EEA countries residents. You can use ecoPayz account without ecoPayz MasterCard and withdraw funds from ecoPayz to your bank account.

      1. The thing is: They will keep asking for paperwork and never pay out

  4. What can I do if I lost my PIN code? I can’t find it and can’t remember what it was so what can I do now? PLS help

    1. Dear Cillian, thank you for your question! You can see your PIN online in the”ecoPayz cards” menu in your ecoPayz account. If it doesn’t help you need to contact ecoPayz support directly to solve this issue.

  5. I live in Thailand. Whether it is possible to register the card and to receive it in Thailand?

    1. Dear Serge, thank you for your question! Unfortunately, ecoPayz sends its cards only to EEA countries. Thailand isn’t the part of EEA.

    2. EcoPayz is geared towards gambling and this is the first time I use them because it is the only option. I would not recommend it since they do not pay out (even to my bank account in Europe with IBAN)

      I also live in Thailand but has permanent resident permit in Sweden. If you happen have a residency or a citizen of EU, USA, Hong Kong or Singapore; Use Wise: they are more transparent and honest. They will ship your card to Thailand.

  6. Regarding this:
    “Luckily, commissions and further limits may be unlocked by creating an ecoPayz account via Baxity. One just needs to send their account details, including their ID and email, to Baxity to initiate their linked account.”

    I understand that I first create the ecoPayz account and then send the details to you. My question is if it’s been 2 months since I’ve created this account can I still send it to Baxity? Or does the account need to be freshly made?

    1. Elias, thank you for your question! If you created an account using our link, it doesn’t matter how long it took you to apply. Even if it takes 2 months , we will assign the status is case of completed verification.

  7. Creating the ecoPayz account via baxity was an ideas I got from a friend. He been usings for few months when he is gambling online. But I don’t like the fee structure, its too high!!

    1. 999Ismail999, it is a pity that you are not completely satisfied with the ecoPayz service. Since you have created an account through us, you can get the maximum VIP status with the lowest commissions for just 10,000 euros of deposits to merchants. The time to reach this amount is not limited.

      Write to us as soon as you make the necessary deposits, and we will help you improve your status in the nearest future.

  8. Please I am a Nigerian and would like to know if I can also create and operate an ecopayz account. And what are the limits for Nigerians

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