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That said, there are plenty of good reasons to get a prepaid card. Here we look at:. Prepaid cards are among the fastest growing financial products on the market.
Yet, as popular as they are, there is a ton of misunderstanding about them. For example, there is no such thing as a prepaid credit card.
In fact, they are opposites. Here we take a look at some common features of prepaid cards and how they compare to other card types.
Instead of borrowing money from a bank that you must pay back later as with a credit card , you are spending your own preloaded money. One of the conveniences of prepaid cards is that they are available almost anywhere, from grocery stores to gas stations, and you can use them anywhere their payment network such as Visa or Mastercard is accepted.
Using prepaid cards is very simple. You just need to load the amount of money you want to have available for purchases onto the card; then, as you use the card, keep an eye on your balance to be sure it will cover the purchases you want to make.
A debit card is issued by a bank and linked to a checking or savings account. Each time you use a debit card, you are transferring money electronically from your bank account to pay for your purchase, reducing your bank account balance.
You can also use a debit card to withdraw cash from your account via an ATM. Debit cards are a big industry. Wells Fargo dominates the industry, with more than 50 other issuers competing in the market, according to the Nilson report.
A debit card may not have the protections of credit or charge cards, although some financial institutions place protections on their debit cards, and debit cards can have federal deposit insurance through the bank.
If you overcharge, your card may be declined or your bank may charge you overdraft fees to cover the purchase.
Debit cards also usually have daily spending limits, so you may not be able to make especially large purchases with a debit card.
A credit card is a lending product that allows you to borrow money from a bank to cover your purchases. There are several types of credit cards, and many let you earn rewards on your spending and build or repair your credit history :.
A charge card is very similar to a credit card, with a few key differences. As with a credit card, a charge card allows you to borrow money from an issuing bank to cover the purchases you make.
The main difference is that a charge card requires you to pay your balance in full each month to avoid a penalty. Unlike credit cards, charge cards have no preset spending limit or APR.
These cards tend to have excellent rewards and benefits and are primarily offered by American Express. Credit is established through positive borrowing history.
Good credit can be a bridge to the things you want. Having no credit or bad credit can be a roadblock in achieving your goals, such as buying a house, getting that next great job or lowering your insurance premiums.
If you want to dip your toe into credit building, explore secured credit cards , which usually provide a low credit limit in exchange for a security deposit.
Prepaid cards are not credit cards, but they still have protections. Prepaid cards in a payment network such as Mastercard or Visa might enjoy zero liability protections , as in the case of the Gloss Prepaid Visa RushCard.
The new rule also allows you to access your account online, like a bank account or credit card. It also provides greater protection from loss, theft or incorrect charges, according to CFPB.
A prepaid card is a standalone financial product that you load with money, then it eventually runs out of money unless you reload more.
Neither is a credit card, which basically provides short-term loans to the cardholder. A prepaid card can have similar features to a bank account, however.
For example, you can use it to deposit your paycheck or auto-debit bills. This is because routing and account numbers can be assigned to the card.
Neither a prepaid card nor a debit card can be used to build credit, while you can build credit with a credit card.
Just make sure the card issuer will notify the 3 major credit bureaus of your credit habits. Prepaid cards are increasingly popular, with the number of U.
But who should use a prepaid card? Or perhaps you appreciate the convenience. One thing we know — consumers typically choose prepaid cards to control spending, control fees or make purchases.
Prepaid cards are also useful for people who are afraid of debt. Figuring out whether your card is prepaid or credit can be confusing because both can have network symbols on the front of the card, such as American Express, Visa or Mastercard.
But they are very different. A credit card is a lending product. With a credit card, you charge a purchase, then you can pay it back in full by the due date and avoid paying interest charges.
Alternatively, you can carry the balance to the next month and pay interest. The going APR for credit cards vary depending on the type of card, but the average is A prepaid card uses your money to pay for purchases.
You load the card with the amount you want, then use the card as you would use a credit card, presenting the card at the register. However, prepaid cards can have fees for signature purchase transaction fees, PIN purchase transaction fees and foreign transaction surcharges.
That said, prepaid cards can have features such as the ability to get text messages or email alerts with the Blue Netspend Visa Prepaid Card.
Advantages to credit cards are that you can use them to build credit, and you can use them to borrow money. Here are the pluses and minuses of prepaid cards:.
With all the advantages of prepaid cards, there are a few things to watch out for, including how it works and its features. Here are 7 things to pay attention to:.
Mariah Ackary. An expert in rewards and small businesses, she does the research to make complicated financial topics more approachable for her readers.
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Add to compare. Apply Now at Netspend's Secure Site. Annual Fee Variable Monthly Fee. With Netspend Direct Deposit, you can get paid faster than a paper check No late fees or interest charges because this is not a credit card.
Card may be used everywhere Visa Debit cards are accepted. Show more less. You don't get this with a prepaid debit card, but you do get access to Visa and MasterCard's chargeback schemes.
That means you can get your money back for faulty goods, services that aren't provided, and goods that aren't delivered when a company goes out of business.
You can't use them everywhere : Sometimes, when you hire a car or check into a hotel, they take your card as a security deposit.
When they do this, they ringfence funds until you settle the bill, so many people prefer to use a credit card. With prepaid cards, this means there will be a chunk of your money that you can't access until the bill's cleared.
Fees : There might be hidden fees, so make sure you learn about all the fees a prepaid card charges before you open it. Sometimes, a prepayment card will offer basic banking facilities, such as a sort code and account number.
This means you can have direct debits and standing orders coming from your prepaid card. This is useful if you want to set up payments for recurring bills.
The main difference between a prepaid MasterCard and prepaid Visa card is the exchange rate for spending abroad. The rest of the costs are set by the card provider.
It's usually better to find the cheapest prepaid card, UK wide, than it is to specifically choose between Visa and MasterCard.
What's the difference between MasterCard and Visa? Prepaid bank cards are a useful way to manage your spending. Once you've loaded the card with cash, you pay a monthly fee for the card.
But the transaction and withdrawal fees are lower. There are a few types of prepaid currency card available.
You'll need to decide which type is the best prepaid currency card for you. Single currency prepaid cards : You can load up the card with Euros and use the card when you're abroad.
This way you can save on currency conversion fees that most banks charge on debit and credit cards. Multi currency prepaid cards : These prepaid cards let you make purchases abroad without paying fees.
You can load any currency on to the card and use it in any country. The transactions will be automatically converted into the local currency.
You can use our comparison to decide which prepaid credit card for travel you want. If you've had trouble getting a card because of your credit history, a credit-building prepaid cash card can help you improve this.
Anyone can get a credit-building card, but you have to opt in for service. You are then supposed to repay the amount over a month period.
If you keep making the repayments, your credit score will improve. A pay-as-you-go prepaid card, or 'pay as you go credit card' is a good way to help teenagers and students to become financially responsible.
It also helps parents keep track of their teen's spending. While these don't have monthly fees, they're not totally free prepaid cards.
They charge higher transaction and withdrawal fees. You can use them online by entering the number and expiry date, or over the counter by entering your PIN.
This is to encourage people to use contactless where possible during the coronavirus pandemic. Encouraging the use of contactless is aimed at helping to avoid the spread of coronavirus as it removes the need to enter PIN numbers on card machines, or to handle cash.
The most common ways are:. Online : You can sign into your account on the prepaid card provider's website or app and add money to it and use it like a regular credit or debit card.
Cash : Some banks and retail shops offer PayPoint services, where you can pay cash. This is then loaded on to your prepaid card.
Bank transfer : Some cards let you transfer funds directly from a current account. You'll need to know your prepaid card's sort code and account number to do this.
Different prepaid cards have different limits for the maximum balance. Even the way you top up might affect the limit.
Some also have daily limits and monthly limits. There are free prepaid cards, but this just means that they don't charge any application fees.
Most free prepaid cards, UK wide, still charge transaction and withdrawal fees when you use the card. So they're not totally free. You can buy prepaid cards at retail locations such as newsagents , online or over the phone.
They're also available from some banks and credit unions. If you buy a prepaid card online, simply fill out the online form with your name, contact details and the amount you want to load.
You may be issued a 'virtual card' at first and receive a physical card in the post later. No, they do not let you borrow money in any way.
You can only spend what you have already added to the card. Yes, some let you take out additional cards for other people, e. They can only spend the money added to their own card.
They can be used worldwide, and travel prepaid cards are usually cheaper if they hold the currency you spend in. Here is how else to spend abroad.
Some providers issue cards to anyone over 6 years old. No, Section 75 only protects credit cards. But the Chargeback scheme could help you get your money back if something goes wrong with a transaction.
We include prepaid cards you can load with pounds sterling from our panel of providers. They are all from providers either directly regulated by the Financial Conduct Authority or providers that are partnered with a company regulated by the FCA.
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