Here’s the details.

Your Wildcard account is a transaction account

You can put your salary on it, set up recurring bill payments, use most ATMs for free, and transfer money to any Australian bank account.

You can use your Wildcard with Apple Pay

You'll get a physical Mastercard and an Apple Pay card. You can use your card at millions of merchants around the world and online, in any major currency. If you use your card in a foreign currency, Mastercard will charge you a low conversion rate, plus a 2.99% FX fee.

Wildcard is an independent startup with an AFSL licence (503801)

Our cards are issued by EML Payments, a global financial services company that processes billions in payments annually. They hold your funds in a segregated monies account at ANZ Bank.

Wildcard doesn’t charge you any account fees.

Instead, we make money when you save money. Our card issuer pays us a bit of interest on all the money in our accounts, which means that unlike a bank, the more you save, the more we earn.

You can set up your Wildcard with Apple Pay in under two minutes

If you decide Wildcard isn’t for you, you can message us and we’ll close your account, no hard feelings.

If you want more information, everything's in our Product Disclosure Statement and Financial Services Guide. Or contact us.


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.