Frequently Asked Questions

Start using Spark

What can I buy a Spark MasterCard?

In order to obtain a reloadable prepaid Spark MasterCard, you just need to buy it! You don’t need a bank account, documents, and there is no engagements. You can buy it through our authorized points of sale or through our website.

How much does a Spark MasterCard cost? Does it include balance?

The Spark MasterCard has a price of 10€ and it comes without balance. It is a prepaid MasterCard, which can be reloaded for a period of five years.

How do I active my card? How do I get my PIN?

To active your card, you just need to send an SMS with the word: PIN [space] and the last 8 digits of your card to +34 600 67 07 07. Example: PIN 23456789

After a few seconds, you will receive an SMS confirming that your card has been activated and your PIN. You will need your PIN to buy at physical stores and the first time you access “MY CARD” in our website.

How can I reload my card?

Spark offers the most extensive prepaid reloading network in Spain, so that you can always reload your card in the most convinient way for you. We offer all these methods, which you can see in our section reload:

  • Bank deposit
  • Bank transfer
  • 35,000 authorized points of sale (Kiosks, Gas stations, Locutorios, Media Markt, etc.)
  • Spark Card to Spark Card
Where can I use my Spark MasterCard?

SPARK is a prepaid MasterCard, which means that you will be able to use it in millions of MasterCard affiliated shops and ATMs around the world, as of course, online.

List of authorised countries

Spark Mastercard can only be registered in the following countries:

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece,  Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom.

Why do I need to register my personal information?

According to the EU Directive 2018/843 trasposed in the Real Decreto Ley 7/2021 which modifies the Ley 10/2010, the prepaid card limits have been modified. The new limits are established as 150€ for users that are not identified. In order to reload amounts larger than 150€ it is necessary to upgrade your card to SPARK PREMIUM. Please keep in mind that it is necessary that the information that you registered on your card matches your KYC documents (DNI/Passport and proof of address).

How many cards could be registered per user?

Each user could have up to four cards per phone number and person. Independently from your card’s level, the maximum number of cards is four.

Can I use my card abroad?

Of course! Spark MasterCard is a prepaid card that can be used anywhere in the world that accepts MasterCard.

What are the fees for using Spark MasterCard?

Our main fee is taken at moment of the load of the card. The load fee varies depending on the method that you use to load your card. We do not charge any fees for purchasing with your card. If you want more information about fees please go to our section fees.

What is the Card ID Number?

The Card ID Number is a 12 digit number that starts with 2000… and is located in the back of your card. The card ID number is used like an account number and is used to reload your card through banks or points of sale, and also for identifying yourself with our customer service. Using the card ID number is a way to protect your information and avoid exposing your real card number to any third party.

Spark levels and limits

What are the different Spark levels?

Your Spark MasterCard is one card with 3 levels:

  • Spark: When you buy the card and activate it, your card is at this level. You can make only one card load of up to 150€.
  • Spark One: If you register your card in our website with your personal details, your card will automatically become Spark One, which allows you to reload it up to 150€ per year.
  • Spark Premium: If you also upload your documents, we will upgrade your card to Spark Premium in 24 hours. Spark Premium allows your to reload up to 5,600€ per month.

Remember that upgrading your card from one level to another is completely free. For more information go to our section upgrade.

How much can I load on my card?

The card load limits depend on the level of your card:

  • Spark: Only one load of up to 150€
  • Spark One: Maximum of three card loads. The maximum combined amount is 150€ per year
  • Spark Premium: Maximum of 5,600€ per month

For more information please visit our section upgrade.

How much can I spend with my card?

The spending limits are different depending on your card level:

  • Spark: Available balance
  • Spark One: Available balance
  • Spark Premium: Maximum of 10,000€/day

For more information visit our section upgrade.

How much can I withdraw from an ATM?

You can withdraw up to 500€ per day. This feature is only available to SPARK PREMIUM cards.

Technical Support

What happens if I lose my card?

If you lose your card, the first thing you should do is blocking your card so that someone else cannot spend your balance. You can block your card sending an SMS to +34 600 67 07 07 with the word: BLOQUEO [space] and the last 4 digits of your card. Example: BLOQUEO 6789

In addition, you can call our customer service and we will help you transfer your remaining balance to a new card.

Can I overdraft my card?

Spark MasterCard is a prepaid card, which means you can only spend the funds that you have loaded on the card and cannot overdraft.

Can my card become inactive?

After 12 months without balance and card activity, your card might be closed for inactivity. If your card is closed for inactivity it will not be possible to open it again and you will need to acquire a new card to continue using our services.


Why was my card refused at a gas station or toll if I have enough balance?

Some gas statios take a pre-authorization of 70-120€ before the fuel pump starts working. At the end of the day, the gas station’s bank cancels the pre-authorization and returns the funds to the user, minus the fuel purchased. If your card does not have enough balance to cover the pre-authorization, your card might be declined.

Some times when paying in places like tolls, parkings, or during airline flights, businesses can have “offline” terminals (without internet connection) during the payment process. These offline terminals cannot verify your balance real time, so these businesses may decline payment from prepaid cards.

What should I do if I find an unauthorized transaction?

If you find an unauthroized transaction, please report it to our customer service as soon as possible. We will send you a dispute form that you will need to fill out and send back to us at [email protected]. Your case will be investigated and if the dispute is in your favor, we will return your balanace.

Did we miss your question? Please contact us and we will help you.