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myPOS review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

myPOS is aimed at businesses rather than households: a debit card on mastercard that pays 0.1% cashback on eligible spend, with multi currency and virtual card in the range. Team cards with individual spending limits, lounge access through Priority Pass and freeze controls in the app make it a practical everyday cost tool.

Key facts

Best for
A business account that wants team cards and cashback with a monthly fee of £0.
Monthly fee
£0↗
Card type
Debit↗
Cashback rate
0.1%↗
Card network
Mastercard↗
Currencies
up to 50↗
Legal entity
myPOS Limited↗
Headquarters
Ireland↗
Founded
2012↗
Support channels
Help-centre, Phone, Email↗
Features
Multi-currency, Virtual card
Audience
Business
Official website
mypos.com

Credit cards

Annual fee
£0↗
Rewards type
Cashback↗
Rewards rate
0.1% cashback on all eligible transactions; 10% cashback in the myPOS Online Shop↗
Perks
Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal), Apple Pay and Google Pay ready, Virtual card issued instantly, Team cards with individual spending limits, Freeze and unfreeze the card in the app, Priority customer support available 24/7 including holidays↗
Cashback rate
0.1%↗
Card kind
Credit↗
Pricing model
No annual fee

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • Rewards are cashback at 0.1% on eligible transactions, with more back in the myPOS Online Shop.
  • The card includes free ATM withdrawals each month, a larger allowance on the Metal version, and lounge access through Priority Pass: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready.
  • Card types cover multi currency and virtual card, and the card is ready for Apple Pay and Google Pay: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready.

Cons

  • Support runs on help centre, phone and email only, with no live chat option listed.
  • Card listings mix a debit card type with a credit card kind, so the credit terms behind the card stay unclear.
  • Only a small free ATM allowance is included each month, and more of it comes with the Metal card: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready.
myPOS

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Small businesses that want multi-currency and virtual cards: multi currency and virtual card.
  • Teams that need individual spending limits per card and freeze and unfreeze in the app: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready.

Who should look elsewhere

  • Readers who want a plain personal account rather than a business one, where bunq charges a monthly fee of €0 for its own product.
  • Anyone set on a secured credit card rather than a debit business card: Varo Believe Secured Credit Card charges $0 a month.
  • Card holders who want a secured Visa credit route: Chime Card (Secured Visa Credit Card) charges $0 a month, a different path from a mastercard business card with multi currency and virtual card.

Safety of your money

The card is issued by a regulated business. myPOS Payments is registered with the Financial Conduct Authority as an electronic money institution under licence 900826, and the group also holds Irish authorisation, PSD_EMI IE_CBI!C475122. Oversight therefore runs through both the UK and the Irish regulator for the money side of the account.

Who runs it

myPOS Limited is the legal entity behind the card, headquartered in Ireland (IE) and trading in the UK. It was founded in 2012, and customer help runs through help centre, phone and email. The same licences apply to both the UK and the Irish side of the business, with priority support for business customers.

How myPOS compares

Where myPOS is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (FCA) - myPOS Payments, Electronic Money Institution (900826), checked September 26, 2026
Licence in Ireland
IE_CBI (PSD_EMI IE_CBI!C475122), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a myPOS card cost to hold?+

The account carries a monthly fee of £0 and an annual fee of £0, on a no annual fee basis. Purchases run on the mastercard network, and the card type is listed as debit. Cash is the area to watch, since free ATM withdrawals are limited each month: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready.

Is myPOS regulated, and where is the company based?+

myPOS Payments is registered with the Financial Conduct Authority as an electronic money institution, licence 900826, and the group also holds Irish authorisation, PSD_EMI IE_CBI!C475122. The legal entity behind the card is myPOS Limited, founded in 2012 and based in Ireland (IE).

What rewards does the myPOS card give?+

Rewards are paid as cashback at 0.1% on eligible transactions. Spend in the myPOS Online Shop earns a higher cashback rate, so the reward leans on your own buying rather than an external scheme. Cashback is the only reward type listed for the card.

Can I withdraw cash without paying a fee?+

Free ATM withdrawals are included each month with the card, and the allowance is higher on the Metal version, alongside lounge access through Priority Pass. Support runs through help centre, phone and email, so a question about charges or the allowance can be raised by phone or email.

Can I control spending for a team?+

Team cards come with individual spending limits per person, and the card can be frozen and unfrozen in the app. Both sit in the standard perk list: Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready. The card is a debit card on mastercard, and the audience is business customers rather than personal accounts.

Does myPOS offer virtual or multi-currency cards?+

The card family covers multi currency and virtual card, so a virtual card can be issued instantly for online spend, and multi-currency accounts are available. The account supports up to 50 in total, which suits businesses that buy and sell outside their home currency.

Is myPOS aimed at individuals or businesses?+

The audience is business customers, and the legal entity is myPOS Limited. Card listings mix a debit card type with a credit card kind, so it is worth checking which product fits before applying. Team cards and spending limits point clearly at company use.

How do I get help from myPOS?+

Help runs through help centre, phone and email, and priority customer support is available around the clock, including holidays, as part of Priority Pass access to over 1700 lounges worldwide, 3 free ATM withdrawals per month (5 on Metal) and Apple Pay and Google Pay ready. A virtual card is issued instantly in the app, so a lost or blocked card can be dealt with from the same place.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “EntityCode=IE_CBI!C475122; EntityType=PSD_EMI; ENT_NAM=myPOS Limited”

  • help.mypos.com/hc/en-gb/articles/6853409501469-Types-of-m... checked September 26, 2026

    Backs: Features

    “Standard Card: Linked to your free account in one of the supported currencies ... Spend in any currency at the interbank exchange rate ... Virtual card: Your myPOS virtual card is built for secure,...”

  • help.mypos.com/hc/en-gb/search checked September 26, 2026

    Backs: Currencies

    “Multi-currency IBANs: Access up to 50 different IBAN accounts in multiple currencies with a single IBAN.”

  • mypos.com/en-gb/affiliates checked September 26, 2026

    Backs: Support channels

    “Should you have any further questions, you can contact us at [email protected]. We will be happy to answer any enquiries you may have.”

  • mypos.com/en-gb/business-card checked September 26, 2026

    Backs: Free ATM withdrawals, Audience, Card type, Cashback rate, Cashback rate, Card network, Perks, Rewards rate, Rewards type

    “Standard card: 3 free ATM withdrawals per month; Premium: 3 free ATM withdrawals per month; Metal: 5 free ATM withdrawals per month”

  • mypos.com/en-gb/our-story checked September 26, 2026

    Backs: Founded

    “inspired us to get started in 2012 when we saw a chance to offer EU merchants more freedom”

  • mypos.com/en-gb/pricing-and-fees checked September 26, 2026

    Backs: Monthly fee

    “Standard card: Free for the first card; Business Mastercard card Free; fixed monthly costs GBP 0”

  • mypos.com/en-gb/pricing-and-fees/fees checked September 26, 2026

    Backs: Annual fee, Card kind, Pricing model

    “The myPOS Business Card is issued free of charge, only operations made with the card are charged”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

myPOS

myPOS

A business account that wants team cards and cashback with a monthly fee of £0.

8.9/10See alternatives