Hi,
there is another card that's worth looking at. It's called Ruby Card and there is a website - rubycard.ie. I havn't used it myself yet as I haven't looked into it but it was recommended to me by a lady in a shop when I was buying a 3V top-up. She said the charges work out much less and you can also use it in shops because you get an actual card. It works as a credit card but you top it up as you need to.
Hope this helps.
Phoenix1
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