Let’s break it down

Here’s everything you need to know about your Wildcard account


It’s a transaction account

You can put your salary on Wildcard, set up recurring bill payments, use most ATMs for free, transfer money to any Australian bank account, and make purchases online, overseas and with Apple Pay or Google Pay.

Transaction account
Zero fees

No fees

Don’t worry - we don't charge any fees. You can even use your card overseas, and we'll reimburse you for the foreign exchange fee.


Interest on every dollar

We pay competitive interest on every dollar in your Wildcard accounts (including your Spending Account). To opt-in, just contact us. Learn more

Interest on all your money



What is Wildcard?


We’re an independent startup with an Australian Financial Services Licence (503801).


Is Wildcard safe?


Apart from having an Australian Financial Services Licence, our cards are issued by EML Payments, a global payments company that processes billions in payments annually. They hold your funds in a segregated monies account at one of Australia's major banks.


How do I activate my physical card?


Tap on your profile button in the app, then follow the steps to activate your card. For security reasons, you’ll need to insert your card and select "credit" for your first in-store purchase.


Can I use Wildcard with Apple Pay or Google Pay?


You sure can! When you sign up, you’ll be able to add your card to Apple Pay or Google Pay in the Wildcard app. You can make payments with Apple Pay or Google Pay even before your physical Mastercard arrives.


Do you have an Android app?


The first version of our Android app is available to download now. Sign up, and we’ll let you know when it’s ready to update.


How does Wildcard make money?


We earn a rebate on our fees from our card issuer based on the amount of money across all our accounts. That means that unlike a bank that makes money when you get into debt, we make money when you save money. It’s win-win.


When I buy something, which account will the money come out of?


Most card purchases will come out of your Spending Account by default. If you add any bills to Wildcard, or set up a recurring transfer, they’ll come out of your Expenses Account instead. You can change which account a transaction comes out of by tapping on it.


If you want more information, everything’s in our Product Disclosure Statement and Financial Services Guide. If you decide Wildcard isn’t for you, message us and we’ll close your account. No hard feelings.

This product is a prepaid, reloadable Mastercard issued by EML Payment Solutions Ltd (ABN 30 131 436 532 AFSL 404131). Consider the PDS before deciding if the product is right for you.