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PCS Mastercard review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026

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Our verdict

PCS Mastercard suits shoppers who want strict spending control through a prepaid Mastercard issued under licensed supervision, with cashback appeal for routine purchases. Monthly upkeep sits at €2 plus loading charges of 7% coupon, 4% bank card, 2% transfer, so frequent top ups merit comparison with Pixpay and Payit alternatives.

Key facts

Best for
Controlled everyday spending on a prepaid Mastercard with cashback
Monthly fee
€2↗
Card type
Prepaid↗
Top-up fee
7% coupon, 4% bank card, 2% transfer↗
Card network
Mastercard↗
Official website
mypcs.com

Facts checked September 28, 2026, 1 source

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Prepaid prepaid format on Mastercard helps cap spending to the loaded balance.
  • Cashback rewards of cashback add appeal for routine prepaid purchases.
  • Monthly fee of €2 is lower than Pixpay at €3.99 for budget control.
  • Support through phone and help centre gives phone access plus guided help material.

Cons

  • Monthly upkeep of €2 applies even in quieter spending months, unlike Payit at AED 0.
  • Loading adds extra cost through charges of 7% coupon, 4% bank card, 2% transfer, so frequent top ups become expensive.
  • Support runs on phone and help centre only, which limits choice where live chat or email matters.
  • Licensed standing shown by 17238 still leaves prepaid limits to weigh against Qantas Pay.
PCS Mastercard

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Budget planners who like prepaid caps and Mastercard acceptance, comparing upkeep with Pixpay at €3.99.
  • Parents and travellers separating spends from main funds, comparing upkeep with Payit at AED 0.
  • Cashback fans using loaded balances for routine buys, comparing upkeep with Qantas Pay at AUD 0.

Who should look elsewhere

  • Readers wanting very low fixed upkeep may prefer Payit given its monthly fee of AED 0 against €2.
  • Readers wanting youth focused controls may prefer Pixpay given its monthly fee of €3.99 and family positioning.

Safety of your money

Safety here rests on formal licensed standing rather than on promises about outcomes. The brand shows a Central Bank of Lithuania licence reference of LB002139, which allows readers to trace authorisation through the relevant register. It also shows an ACPR licence reference of 17238, which provides a further public reference point in France. Together, those references give households a clear path for checking who stands behind the product. Readers comparing everyday money products should still read the current terms carefully, since prepaid arrangements can differ from current accounts on handling of funds, on limits and on access. Keeping copies of statements and loading receipts also helps where queries arise later. Where certainty matters, checking both registers before loading larger sums remains sensible practice for careful budget planning.

Fees and currency costs

Fixed upkeep is straightforward, with a monthly fee of €2 applying to the account. That charge sits apart from any spending, so it matters even during months with limited card use. Loading costs then sit on top, with charges of 7% coupon, 4% bank card, 2% transfer depending on the route used for adding funds. Coupon loading carries the highest rate within that set, followed by bank card loading, while transfer loading carries the lowest rate within that set. Households that load in smaller amounts on a regular basis should pay close attention to that structure, since repeated charges can accumulate across the year. Those who can plan loads and use lower cost routes will keep the overall burden down. Comparison with Pixpay, Payit and Qantas Pay on monthly upkeep alone can help place the trade off in context.

Regulation and registers

Regulatory detail is presented through licence references rather than through general claims. The Central Bank of Lithuania reference is LB002139, and readers can use that exact reference when searching the relevant public list. The ACPR reference is 17238, which serves the same purpose for checks in France. Naming follows the licences, with the Central Bank of Lithuania and ACPR as the bodies shown. Those references do not by themselves describe complaint routes, compensation coverage or account limits, so readers should consult the current product terms and the registers for full context. For households in the UK and Europe comparing everyday products, keeping the legal references alongside the fee summary makes later comparison simpler and supports informed discussion with advisers where needed.

Using it day to day

Daily use centres on a prepaid structure, with card type shown as prepaid. Balances must be loaded before spending, which helps separate everyday purchases from funds held elsewhere. The network is Mastercard, so payments and withdrawals follow acceptance for that mark where displayed. That format suits budgeting envelopes, travel pots, online purchases and controlled family spending, since outgoings stop when the loaded balance runs out. Support for routine queries is provided through phone and help centre, covering phone contact and help centre material. That mix suits readers comfortable with guided articles backed by phone help when needed. Readers who rely on live chat or email routes should weigh that coverage before choosing, and should review current limits, loading routes and card management tools in the terms.

Who runs it

The legal entity behind the product is stated as CreaCard SAS. That name matters for contracts, statements and any correspondence, so readers should look for it on terms and notices. Customer contact is organised through phone and help centre, with phone and help centre routes listed for assistance. Licensed standing is shown through LB002139 for the Central Bank of Lithuania and through 17238 for ACPR. Those references connect the operating entity with the public registers that readers can check. Households comparing prepaid cards, debit cards and other everyday money products can use the entity name together with the licence references to keep records clear. Where joint decisions matter, noting those details alongside fees and loading routes helps keep comparison notes accurate over time.

How PCS Mastercard compares

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 does PCS Mastercard cost each month?+

Yes, upkeep applies each month at €2. Loading is charged separately at 7% coupon, 4% bank card, 2% transfer, with the rate depending on the loading route chosen. Readers who top up often should add those charges together when comparing PCS Mastercard with Pixpay or Payit.

How do top up charges work?+

Loading costs vary by method at 7% coupon, 4% bank card, 2% transfer. Coupon loading carries the highest rate shown, while bank card and transfer loading carry lower rates shown. Choosing transfer loading where possible keeps the cost of adding funds lower across the month.

Is PCS Mastercard prepaid or debit?+

PCS Mastercard is described as prepaid and runs on Mastercard. That means spending is limited to the balance loaded in advance, which helps keep budgets contained. Acceptance follows the Mastercard network where that mark is displayed.

Who regulates PCS Mastercard?+

Licence references are shown as LB002139 and 17238. Oversight relates to the Central Bank of Lithuania and ACPR as named in the licences. Readers can use those references to check the relevant public registers.

Who runs PCS Mastercard and how is support provided?+

The operator is stated as CreaCard SAS. Day to day help is available through phone and help centre. Readers who prefer contact by phone or guided help material should check that those routes meet their needs before applying.

Who is PCS Mastercard suitable for?+

The card operates on Mastercard as a prepaid product. That structure suits controlled spending, gifts, travel budgets and purchases where separation from a main current account helps. Readers seeking credit or overdraft facilities should consider Qantas Pay or Pixpay instead.

Do balances need loading before spending?+

PCS Mastercard carries prepaid status rather than a standard bank debit link. Funds must be loaded before spending, with loading costs of 7% coupon, 4% bank card, 2% transfer applying by method. Monthly upkeep of €2 continues alongside that pay in advance model.

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.

PCS Mastercard

PCS Mastercard

Controlled everyday spending on a prepaid Mastercard with cashback

8.5/10Visit