how to transfer money from prepaid visa to debit card

Although you can use them to make purchases or withdraw cash in the same way as a debit or credit card, the key difference is that they need to be loaded up. If you had any remaining funds on your card, your balance was refunded to the TD Bank Debit Card linked to your account by October 27th. If there is no card. RushCard prepaid Visa card. Get the most from your money by opening a new Rushcard account today.

: How to transfer money from prepaid visa to debit card

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How To Turn Visa Gift Card into Cash Using Paypal or Venmo - Transfer GiftCard Money to Bank Account

TD Go Reloadable Prepaid Card

What do the TD Go Card changes mean for me?

As of October 15, 2021:

  • You are no longer be able to use your card
  • If you had any remaining funds on your card, your balance was refunded to the TD Bank Debit Card linked to your account by October 27th. If there is no card linked, a check will be mailed to you (check refunds can take up to 30 days)

Manage your TD Go Card

Explore our new account: TD Essential Banking

A low-cost bank account loaded with easy-to-use digital tools and no overdraft fees or services.
  • No minimum daily balance requirement, just a low monthly maintenance fee of $4.95
  • Checkless Account: use online Bill Pay or your contactless debit card to make payments
  • Easy, 24/7 access to your account with online and mobile banking
  • Great starter account: No monthly maintenance fee if you're ages 13-171

Compare all our checking accounts and choose the one that meets your needs and your budget with the perks you want.

See all accounts

View the terms and conditions for the TD Go Card.

1If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. The monthly maintenance fee for the TD Essential Banking account is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the terms and conditions for the TD Go Card.

1If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. The monthly maintenance fee for the TD Essential Banking account is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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Источник: https://www.td.com/us/en/personal-banking/prepaid-cards/go-reloadable-card/

Paying Bills with Prepaid Cards

There are two types of prepaid payment cards that can potentially be used to pay bills: prepaid debit cards and network-branded gift cards (like those that carry the Visa or Mastercard logo). Prepaid debit cards come in a few different forms and offer the opportunity for a convenient money storage how to transfer money from prepaid visa to debit card that can take the place of complex checking. Gift cards that carry the Visa or Mastercard logo are typically sold in different denominations and can be used for online shopping or bill payment if sufficient balances are available.

Before diving into bill payments, it can be good to understand the two types of prepaid payment card options a little better. Prepaid debit cards can work like network-branded gift cards and any electronic payment card that is loaded with funds considered deposit assets rather than credit liabilities. As the market for prepaid debit expands, more and more, consumers are gaining access to a simplified electronic money storage solutions that can take the place of traditional bank checking.

Key Takeaways

  • Prepaid debit cards and network-branded gift cards can be used for bill payment
  • Prepaid card acceptance typically depends on the card processor brand.
  • Some prepaid card accounts may have special services for making one-time or recurring bill payments through an account.

Can You Pay Bills With a Prepaid Debit Card?

Yes, bill payments can be made with a prepaid debit card if there are sufficient funds loaded to the card. An important thing to take note of when seeking to make any bill payment with a prepaid card of any kind is the card’s processor. All prepaid debit cards partner with one of the four major payment card processors: Visa, MasterCard, Discover, or American Express. Generally, the card processor will dictate whether or not an electronic payment card is accepted by a company for a bill payment. Store gift cards typically can't be used for bill payment unless with that specific retailer.

Beyond that, most prepaid cards will work in the same manner that any regular payment card will. If the card’s processor is accepted, payments may be made on a website, on the telephone with representatives, or by filling out a form included with a paper bill in the mail and returning it through the postal service. Transactional fees are usually not necessary although some companies may charge for payments over the phone or express payments.

How to transfer money from prepaid visa to debit card and Using a Prepaid Debit Card

Many prepaid debit cards can be bought in a retail store like Walmart, Target, or Walgreens. The process for buying them is similar to a gift card. The deposit amount may be specified or flexible based on the amount a buyer is seeking. Other prepaid debit cards may be easily obtained online.

All types of prepaid debit cards will come with an online account that can be easily accessed for account viewing and maintenance. When you first obtain the card, you will need to register, activate it, and peruse your online account options if you so choose. Online, you will have the chance to view account balances, holds, transaction history, and registration information. Depending on the card's options, you may also be able to make card-to-card transfers as well as set up some one-time or automated recurring payments.

One of the benefits of a prepaid credit card is that it offers some consumer protection in the event the card is lost or stolen since it isn’t tied to a personal checking account. Cardholders can simply call customer service if there is a problem. Oftentimes, prepaid debit cardholders can also add money to the card via a website or retail store chain which can be simpler than making deposits at a bank.

Special Card Features

All prepaid cards come with their own terms and special provisions as decided on by the card issuer. Some prepaid card providers may offer special opportunities to make bill payments from a cardholder’s account through the issuer’s website. Cards can also come with some special features that make it more convenient to transfer funds.

The Western Union NetSpend Prepaid MasterCard, for example, maintains a site on which cardholders can easily how to transfer money from prepaid visa to debit card bill payments. Some additional fees may be required.

Many prepaid cards offered by MasterCard and Visa allow for card-to-card transfers for cards of the same network brand. For example, a MyVanilla Prepaid Visa Card allows cardholders to transfer funds to other MyVanilla Prepaid Visa Cards, and for no fee. Most prepaid cards do not allow transfers between cards of different brands, however, or between prepaid cards and regular credit cards, even if they are from the same how to transfer money from prepaid visa to debit card.

Cards such as the Western Union NetSpend Prepaid MasterCard allow users to send and receive Western Union money transfers using their cards. There is generally no fee for receiving How to transfer money from prepaid visa to debit card Union money transfers. There are, however, varying fees for sending Western Union money transfers.

Источник: https://www.investopedia.com/ask/answers/110614/can-i-use-prepaid-credit-card-pay-bills-or-transfer-money-other-accounts.asp
Outside the U.S.: Mastercard Global Service Phone Numbers

1. Card registration required. Certain restrictions apply. Contact the issuer of your card immediately to report your lost or stolen card. You can use the customer service toll-free number listed on the back of the card. Be sure to keep a record of the Mastercard card number. Your issuer may need this information to cancel the card and issue a replacement. You can also contact Emergency Services for additional assistance. In the event your card is lost or stolen, your card issuer will not hold you responsible for unauthorized purchases made on your card. Terms and Conditions.

2. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details, or call 1-800-MASTERCARD.

3. In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. It is important to note that your payroll or benefits payment provider may not submit the deposit or payment early each payment period. Be sure to ask your payroll or benefits payment provider when they submit your deposit information to the bank for processing. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

4. Standard data and messaging rates may apply from your wireless service provider.

Источник: https://www.mastercard.us/en-us/personal/find-a-card/general-prepaid-mastercard.html

How do I add money to my prepaid card?

You can usually add money to your prepaid card in several ways. You may be able to:

  • Arrange for a paycheck or other regular payment to be directly deposited onto the card
  • Transfer money from a checking account or another prepaid card
  • Buy a “reload pack” to add a certain amount to your card
  • Add funds at certain retail locations or at the financial institution that provides the card

You may be charged a fee for some ways of adding money to your card and not for other ways. When choosing a prepaid card, think carefully about your needs and about how you will reload your card.

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Learn how the CFPB can help you

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Источник: https://www.consumerfinance.gov/ask-cfpb/how-do-i-add-money-to-my-prepaid-card-en-449/

What Is a Prepaid Debit Card?

A prepaid debit card is a payment card that's loaded with funds before it's used. It functions like a credit or debit card while shopping, but it doesn't draw on a line of credit or from a bank account.

Learn more about how these prepaid debit cards work, as well as some pros and cons to these cards.

Definition and Example of a Prepaid Debit Card

Prepaid debit cards are payment cards that work like credit cards when you’re shopping, except you aren't borrowing money. Instead, you're spending your own money that you've loaded onto the card in advance. That makes them more like debit cards, but unlike a debit card, you don't have to have a bank account to use them. Just like credit and debit cards, many come from either Visa or Mastercard, and they can be used wherever those kinds of cards are accepted.

  • Alternative name: Pay-as-you-go card

Some prepaid debit cards come from major companies like Visa or Mastercard and offer rewards like a credit card. Others are for specific purposes, like a college student who has a prepaid card used to access student services and cafeterias.

How Does a Prepaid Debit Card Work?

You can get prepaid debit cards from a bank or credit card company. You may even be able to buy them over-the-counter at a store. Prepaid cards are reloadable, so you can add money to the card whenever you need to replenish the funds.

Adding How to transfer money from prepaid visa to debit card to Your Card

Some cards come with funds on them. You buy a card with a set value and that's how much money comes with the card. Others are designed to be loaded with funds as needed. If you can add funds, you may have several options pay tmobile bill online with debit card doing so, including:

  • Setting up direct deposit to the card
  • Bringing cash to a retail store that can add funds to your card
  • Depositing a check with an app that is linked to your card (by taking a photo of the check with your smartphone)
  • Transferring money from your bank account to your prepaid card

Some cards may charge a fee every time you reload funds. If that's the case with your card, plan your reloads carefully to minimize those fees.

Shopping or Withdrawing Cash With Your Card

Once you’ve added funds to your card, you can spend that money or withdraw it in cash at ATMs. To buy something in-person, just swipe or insert the card at the point of sale. If you're shopping online, type in your card number. At an ATM, just insert your prepaid card like any other bank card and withdraw cash. Be aware that you could be charged a fee for every purchase or ATM visit, though it depends on how the issuer has structured the card.

Prepaid Debit Cards vs. Checking Account

Prepaid Debit Cards vs. Checking Account
Prepaid Debit CardsChecking Account
Can be used most places cards are acceptedCan be used most places cards are accepted
Not tied to any bank accountDebit card tied to account
Can be acquired from many stores and companiesMust come from a financial institution

Prepaid cards function similarly to a debit card that's tied to a checking account, but there are some major differences to be aware of.

The main difference between prepaid cards and a bank debit card is that you don't need a regular bank account to get and use a prepaid card. You can have a regular bank account and use prepaid cards on the side to manage some of your spending, or you can use prepaid cards exclusively—without any kind of bank account.

Since prepaid debit cards aren't tied to a checking account, they're also easier to acquire. You may be able to find one while you're shopping for groceries or picking up some odds and ends for the house. Debit cards linked to a checking account, on the other hand, must be acquired from a financial institution that offers a checking account. That means there will be a much more rigorous application process compared to simply paying for a prepaid debit card at a store.

Pros and Cons of Using a Prepaid Debit Card

Pros
  • No credit history required

  • No bank account required

  • Help with budgeting

  • Extra privacy

Cons
  • Fewer protections

  • High fees

  • No credit

  • Overdrafts

Pros Explained

  • No credit history required: Anybody can qualify to use a prepaid card. Because you’re not borrowing money, the card issuer will not check your credit score before issuing the card. This is especially appealing to people with less-than-perfect credit, including young people who have how to transfer money from prepaid visa to debit card yet built up their credit. Some people even make the choice to live life without debt and credit scores.
  • No bank account required: Prepaid cards can work as an alternative to a checking account at a bank or credit union. If you can’t or don't want to open a checking account, a prepaid card allows you to still enjoy the convenience of paying with plastic, such as online bill pay and mobile check deposit. In some cases, prepaid cards can also cost less to use than a bank account.
  • Help with budgeting: If credit cards are a little too tempting, a prepaid card can help you avoid going into debt. If the money is not loaded onto your card, you can’t spend it. Prepaid cards work well for teens and college students who haven't built up healthy spending habits, as well as those living on a fixed income or relatives visiting from another country.
  • Extra privacy: If someone steals your preloaded debit card, they can only steal as much money as you have on the card, and they don't have any financial information about you. When you're using a debit card linked to a bank account, a thief who takes the card can learn a lot more financial information about you.

Cons Explained

  • Fewer protections: While you have extra privacy protections in cases of theft, you actually have fewer protections for recovering stolen funds. Prepaid debit cards are handled more similarly to cash—the stolen funds are gone. Debit and credit cards, on the other hand, have some built-in fraud protection that makes it easier for consumers to recover stolen funds. Also, your funds on the prepaid debit card might not be insured by the FDIC. Although consumer protection is improving and many card issuers voluntarily provide some benefits, some cards offer much less protection than others.
  • High fees: Prepaid cards can come with high fees or confusing fee structures that end up eating a significant chunk of your funds. You may be able to eliminate some fees by comparison shopping, but the onus is on the consumer to find a favorable fee structure.
  • No credit: Prepaid cards do not help you build credit. They allow you to spend by swiping as if you have a credit card, but your activity is not reported to credit bureaus. That means your credit score won't be affected—either positively or negatively.
  • Overdrafts: Prepaid cards are supposed to use your money, not a lender's. The idea is that you stop using the card when you run out of money. But some cards encourage you to spend more by allowing overdrafts and then charging steep fees.

Key Takeaways

  • A prepaid debit card is a payment card that functions similarly to how debit and credit cards do, but the funds are preloaded.
  • Once the funds run out, the card will stop working unless the card has overdraft protection.
  • Prepaid debit cards work well for instilling good spending habits in people who don't trust themselves with credit cards, but they don't build credit.
Источник: https://www.thebalance.com/how-do-prepaid-cards-work-315070

Can I transfer money from my prepaid Visa gift card to my debit card?

I don't think the reason is "to verify that it is truly me". It should be possible for someone else (friend, relative.) to make a payment on your behalf, using their own card.

It is common that "gift cards" are not per-authorized for "Card Not Present" (CNP) use like on the internet, or over the phone. In many cases, you can register your card, online or by speaking to a representative over the phone. After that, you should be able to use it to pay your phone company.

Also, depending on where you got the card, you may be able to go to a teller at the issuing bank, and withdraw cash (or get a check), possibly without a fee.

answered Sep 28 '17 at 20:10

Kevin FeganKevin Fegan

39811 silver badge88 bronze badges

Источник: https://money.stackexchange.com/questions/7252/can-i-transfer-money-from-my-prepaid-visa-gift-card-to-my-debit-card
how to transfer money from prepaid visa to debit card

How to transfer money from prepaid visa to debit card -

What Is a Prepaid Debit Card?

A prepaid debit card is a payment card that's loaded with funds before it's used. It functions like a credit or debit card while shopping, but it doesn't draw on a line of credit or from a bank account.

Learn more about how these prepaid debit cards work, as well as some pros and cons to these cards.

Definition and Example of a Prepaid Debit Card

Prepaid debit cards are payment cards that work like credit cards when you’re shopping, except you aren't borrowing money. Instead, you're spending your own money that you've loaded onto the card in advance. That makes them more like debit cards, but unlike a debit card, you don't have to have a bank account to use them. Just like credit and debit cards, many come from either Visa or Mastercard, and they can be used wherever those kinds of cards are accepted.

  • Alternative name: Pay-as-you-go card

Some prepaid debit cards come from major companies like Visa or Mastercard and offer rewards like a credit card. Others are for specific purposes, like a college student who has a prepaid card used to access student services and cafeterias.

How Does a Prepaid Debit Card Work?

You can get prepaid debit cards from a bank or credit card company. You may even be able to buy them over-the-counter at a store. Prepaid cards are reloadable, so you can add money to the card whenever you need to replenish the funds.

Adding Funds to Your Card

Some cards come with funds on them. You buy a card with a set value and that's how much money comes with the card. Others are designed to be loaded with funds as needed. If you can add funds, you may have several options for doing so, including:

  • Setting up direct deposit to the card
  • Bringing cash to a retail store that can add funds to your card
  • Depositing a check with an app that is linked to your card (by taking a photo of the check with your smartphone)
  • Transferring money from your bank account to your prepaid card

Some cards may charge a fee every time you reload funds. If that's the case with your card, plan your reloads carefully to minimize those fees.

Shopping or Withdrawing Cash With Your Card

Once you’ve added funds to your card, you can spend that money or withdraw it in cash at ATMs. To buy something in-person, just swipe or insert the card at the point of sale. If you're shopping online, type in your card number. At an ATM, just insert your prepaid card like any other bank card and withdraw cash. Be aware that you could be charged a fee for every purchase or ATM visit, though it depends on how the issuer has structured the card.

Prepaid Debit Cards vs. Checking Account

Prepaid Debit Cards vs. Checking Account
Prepaid Debit CardsChecking Account
Can be used most places cards are acceptedCan be used most places cards are accepted
Not tied to any bank accountDebit card tied to account
Can be acquired from many stores and companiesMust come from a financial institution

Prepaid cards function similarly to a debit card that's tied to a checking account, but there are some major differences to be aware of.

The main difference between prepaid cards and a bank debit card is that you don't need a regular bank account to get and use a prepaid card. You can have a regular bank account and use prepaid cards on the side to manage some of your spending, or you can use prepaid cards exclusively—without any kind of bank account.

Since prepaid debit cards aren't tied to a checking account, they're also easier to acquire. You may be able to find one while you're shopping for groceries or picking up some odds and ends for the house. Debit cards linked to a checking account, on the other hand, must be acquired from a financial institution that offers a checking account. That means there will be a much more rigorous application process compared to simply paying for a prepaid debit card at a store.

Pros and Cons of Using a Prepaid Debit Card

Pros
  • No credit history required

  • No bank account required

  • Help with budgeting

  • Extra privacy

Cons
  • Fewer protections

  • High fees

  • No credit

  • Overdrafts

Pros Explained

  • No credit history required: Anybody can qualify to use a prepaid card. Because you’re not borrowing money, the card issuer will not check your credit score before issuing the card. This is especially appealing to people with less-than-perfect credit, including young people who have not yet built up their credit. Some people even make the choice to live life without debt and credit scores.
  • No bank account required: Prepaid cards can work as an alternative to a checking account at a bank or credit union. If you can’t or don't want to open a checking account, a prepaid card allows you to still enjoy the convenience of paying with plastic, such as online bill pay and mobile check deposit. In some cases, prepaid cards can also cost less to use than a bank account.
  • Help with budgeting: If credit cards are a little too tempting, a prepaid card can help you avoid going into debt. If the money is not loaded onto your card, you can’t spend it. Prepaid cards work well for teens and college students who haven't built up healthy spending habits, as well as those living on a fixed income or relatives visiting from another country.
  • Extra privacy: If someone steals your preloaded debit card, they can only steal as much money as you have on the card, and they don't have any financial information about you. When you're using a debit card linked to a bank account, a thief who takes the card can learn a lot more financial information about you.

Cons Explained

  • Fewer protections: While you have extra privacy protections in cases of theft, you actually have fewer protections for recovering stolen funds. Prepaid debit cards are handled more similarly to cash—the stolen funds are gone. Debit and credit cards, on the other hand, have some built-in fraud protection that makes it easier for consumers to recover stolen funds. Also, your funds on the prepaid debit card might not be insured by the FDIC. Although consumer protection is improving and many card issuers voluntarily provide some benefits, some cards offer much less protection than others.
  • High fees: Prepaid cards can come with high fees or confusing fee structures that end up eating a significant chunk of your funds. You may be able to eliminate some fees by comparison shopping, but the onus is on the consumer to find a favorable fee structure.
  • No credit: Prepaid cards do not help you build credit. They allow you to spend by swiping as if you have a credit card, but your activity is not reported to credit bureaus. That means your credit score won't be affected—either positively or negatively.
  • Overdrafts: Prepaid cards are supposed to use your money, not a lender's. The idea is that you stop using the card when you run out of money. But some cards encourage you to spend more by allowing overdrafts and then charging steep fees.

Key Takeaways

  • A prepaid debit card is a payment card that functions similarly to how debit and credit cards do, but the funds are preloaded.
  • Once the funds run out, the card will stop working unless the card has overdraft protection.
  • Prepaid debit cards work well for instilling good spending habits in people who don't trust themselves with credit cards, but they don't build credit.
Источник: https://www.thebalance.com/how-do-prepaid-cards-work-315070

TD Go Reloadable Prepaid Card

What do the TD Go Card changes mean for me?

As of October 15, 2021:

  • You are no longer be able to use your card
  • If you had any remaining funds on your card, your balance was refunded to the TD Bank Debit Card linked to your account by October 27th. If there is no card linked, a check will be mailed to you (check refunds can take up to 30 days)

Manage your TD Go Card

Explore our new account: TD Essential Banking

A low-cost bank account loaded with easy-to-use digital tools and no overdraft fees or services.
  • No minimum daily balance requirement, just a low monthly maintenance fee of $4.95
  • Checkless Account: use online Bill Pay or your contactless debit card to make payments
  • Easy, 24/7 access to your account with online and mobile banking
  • Great starter account: No monthly maintenance fee if you're ages 13-171

Compare all our checking accounts and choose the one that meets your needs and your budget with the perks you want.

See all accounts

View the terms and conditions for the TD Go Card.

1If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. The monthly maintenance fee for the TD Essential Banking account is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the terms and conditions for the TD Go Card.

1If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. The monthly maintenance fee for the TD Essential Banking account is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

back to topTop
Источник: https://www.td.com/us/en/personal-banking/prepaid-cards/go-reloadable-card/

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** Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here to learn more.

*** Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard or to unregistered cards.

1 Certain transaction and service fees and costs may be associated with the use of this feature. See your Fee and Transaction Limit Schedule for more details.

2 Standard message and data rates apply.

3  Faster access to funds is based on a comparison of our electronic direct deposit policy for ACH deposits versus traditional electronic banking practices and the deposit of paper checks. Direct deposit and faster availability of funds are subject to the payer’s support of the feature and timing of payer’s funding.

4 An Account upgrade may be necessary. If so, we will need to verify your identity and a new fee schedule with different and/or additional fees will apply to your Account. See your Money Network Service Account Holder Agreement or call the number on back of your Card for more information.

5  If you are successfully enrolled in the Ingo Money Service (Ingo Money) through the Money Network Mobile App, you can use Ingo Money to load an approved check into your Money Network account net of any applicable Ingo Fees. Unapproved checks will not be loaded into your account. The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc (Ingo). Use of Ingo Money is subject to the Ingo Money Service Terms and Conditions and Privacy Policy of Ingo and First Century Bank. Checks are subject to approval for funding in Ingo’s sole discretion; dollar limits and other restrictions apply. Ingo reserves the right to recover losses resulting from illegal or fraudulent use of Ingo Money. Money in Minutes: Ingo Fees are 1% of approved check amount for preprinted payroll & government checks; 4% of approved check amount for other check types; $5 minimum. Approval process usually takes 3-5 minutes, but may take an hour. Most issuers post funds within 24 hours. Money in 10 Days: No fee for 10 days delayed funding.

6 Surcharge-free Check cashing is exclusively for Money Network® Checks.

7 Fee may be assessed by reload location and may vary from location to location.

8 Fast access to your tax refund payout is based on comparison of paper check versus electronic direct deposit.

Источник: https://www.moneynetwork.com/

Why

Why smiONE

The smiONE Card is a convenient alternative to traditional banking that gives you secure access to your payments, plus modern tools and features designed to keep life running smoothly.

See What smiONE Can Do

Spend Safely

Buy groceries, shop online, and use your card everywhere Visa® debit cards are accepted.

Add Money

Reload your card with direct deposit, remote check deposit, or cash¹.

Modern Mobile App

Download the app to check your balance and track your spending — anytime, anywhere.

24/7 Support

Live customer service representatives are always available by phone.

Know Your Fees

Log in to check your Fee Schedule for a complete list of charges associated with your smiONE Card.

Stay Secure

We keep you safe with advanced card security and 24/7 fraud monitoring. Your funds are FDIC-insured through The Bancorp Bank; Member FDIC.

Flexible Solutions for Real People

LEARN MORE

With the smiONE Card, you're in complete control with direct access to your funds and convenient options to load more. Make secure purchases anywhere Visa debit cards are accepted. Plus:

  • Free direct deposit for your paycheck or other payment
  • Additional cards for family or friends
  • 24/7 free live agent support
  • Modern mobile banking

Automatically deposit your
paycheck or other regular payment.

LET'S GO

Check your balance, transfer funds, replace a card², add a user, and more.

LET'S GO

Stay in the know with text and email alerts³ about your card activity.

LET'S GO

Mobility

Mobile App

You deserve a mobile app that's actually easy to use. Our customer-favorite tool is designed with that in mind.

Learn More

“Love this app! At a touch I can see my balance, another touch can see deposits and dates, another touch and the entry of a start and finish date and I can see every transaction! This app gives me everything I want and need.”

“I really enjoy the new Touch ID feature. And how it automatically pops up with the balance. Literally such a quick thing! It’s very user-friendly. I use it and even my mother and grandmother are able to use it! Quick and the point and it tracks your spending too!”

“I use this card for my son’s child support and it’s a huge upgrade from the last company the state had for the child support card - I really love how they are very punctual with notifying you when you use your card and how much you have remaining for balance daily, and you can choose the time to receive your notification.”

Источник: https://www.smionecard.com/

Paying Bills with Prepaid Cards

There are two types of prepaid payment cards that can potentially be used to pay bills: prepaid debit cards and network-branded gift cards (like those that carry the Visa or Mastercard logo). Prepaid debit cards come in a few different forms and offer the opportunity for a convenient money storage account that can take the place of complex checking. Gift cards that carry the Visa or Mastercard logo are typically sold in different denominations and can be used for online shopping or bill payment if sufficient balances are available.

Before diving into bill payments, it can be good to understand the two types of prepaid payment card options a little better. Prepaid debit cards can work like network-branded gift cards and any electronic payment card that is loaded with funds considered deposit assets rather than credit liabilities. As the market for prepaid debit expands, more and more, consumers are gaining access to a simplified electronic money storage solutions that can take the place of traditional bank checking.

Key Takeaways

  • Prepaid debit cards and network-branded gift cards can be used for bill payment
  • Prepaid card acceptance typically depends on the card processor brand.
  • Some prepaid card accounts may have special services for making one-time or recurring bill payments through an account.

Can You Pay Bills With a Prepaid Debit Card?

Yes, bill payments can be made with a prepaid debit card if there are sufficient funds loaded to the card. An important thing to take note of when seeking to make any bill payment with a prepaid card of any kind is the card’s processor. All prepaid debit cards partner with one of the four major payment card processors: Visa, MasterCard, Discover, or American Express. Generally, the card processor will dictate whether or not an electronic payment card is accepted by a company for a bill payment. Store gift cards typically can't be used for bill payment unless with that specific retailer.

Beyond that, most prepaid cards will work in the same manner that any regular payment card will. If the card’s processor is accepted, payments may be made on a website, on the telephone with representatives, or by filling out a form included with a paper bill in the mail and returning it through the postal service. Transactional fees are usually not necessary although some companies may charge for payments over the phone or express payments.

Accessing and Using a Prepaid Debit Card

Many prepaid debit cards can be bought in a retail store like Walmart, Target, or Walgreens. The process for buying them is similar to a gift card. The deposit amount may be specified or flexible based on the amount a buyer is seeking. Other prepaid debit cards may be easily obtained online.

All types of prepaid debit cards will come with an online account that can be easily accessed for account viewing and maintenance. When you first obtain the card, you will need to register, activate it, and peruse your online account options if you so choose. Online, you will have the chance to view account balances, holds, transaction history, and registration information. Depending on the card's options, you may also be able to make card-to-card transfers as well as set up some one-time or automated recurring payments.

One of the benefits of a prepaid credit card is that it offers some consumer protection in the event the card is lost or stolen since it isn’t tied to a personal checking account. Cardholders can simply call customer service if there is a problem. Oftentimes, prepaid debit cardholders can also add money to the card via a website or retail store chain which can be simpler than making deposits at a bank.

Special Card Features

All prepaid cards come with their own terms and special provisions as decided on by the card issuer. Some prepaid card providers may offer special opportunities to make bill payments from a cardholder’s account through the issuer’s website. Cards can also come with some special features that make it more convenient to transfer funds.

The Western Union NetSpend Prepaid MasterCard, for example, maintains a site on which cardholders can easily make bill payments. Some additional fees may be required.

Many prepaid cards offered by MasterCard and Visa allow for card-to-card transfers for cards of the same network brand. For example, a MyVanilla Prepaid Visa Card allows cardholders to transfer funds to other MyVanilla Prepaid Visa Cards, and for no fee. Most prepaid cards do not allow transfers between cards of different brands, however, or between prepaid cards and regular credit cards, even if they are from the same network.

Cards such as the Western Union NetSpend Prepaid MasterCard allow users to send and receive Western Union money transfers using their cards. There is generally no fee for receiving Western Union money transfers. There are, however, varying fees for sending Western Union money transfers.

Источник: https://www.investopedia.com/ask/answers/110614/can-i-use-prepaid-credit-card-pay-bills-or-transfer-money-other-accounts.asp

Can I transfer money from my prepaid Visa gift card to my debit card?

I don't think the reason is "to verify that it is truly me". It should be possible for someone else (friend, relative...) to make a payment on your behalf, using their own card.

It is common that "gift cards" are not per-authorized for "Card Not Present" (CNP) use like on the internet, or over the phone. In many cases, you can register your card, online or by speaking to a representative over the phone. After that, you should be able to use it to pay your phone company.

Also, depending on where you got the card, you may be able to go to a teller at the issuing bank, and withdraw cash (or get a check), possibly without a fee.

answered Sep 28 '17 at 20:10

Kevin FeganKevin Fegan

39811 silver badge88 bronze badges

Источник: https://money.stackexchange.com/questions/7252/can-i-transfer-money-from-my-prepaid-visa-gift-card-to-my-debit-card

Schedule of Fees and charges

*Investment Management Services are provided through True Link Financial Advisors, LLC, (the “Adviser”) an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”) and wholly-owned subsidiary of True Link Financial, Inc. (“True Link Financial” and, together with the Adviser, “True Link”)  Registration with the SEC authorities as a Registered Investment Adviser does not imply a certain level of skill or training nor does it constitute an endorsement of the advisory firm by the SEC.  Adviser only provides investment management services upon entering into an Investment Advisory Agreement (IAA) with a client.  With respect to pooled trust clients, upon entering into an IAA, the client is the trust; beneficiaries of the trust are not investment advisory clients of Adviser. Nothing contained on this website should be considered an offer to sell or a solicitation to buy any securities. Non-deposit investment products and trust services offered by True Link Financial Advisors are not insured or guaranteed by the FDIC or any other government agency, are not obligations of any bank, and are subject to risk,  including loss of principal.

True Link Financial, Inc. provides the trust administration software and record-keeping platform as well as the True Link Visa Prepaid Card and associated software platform.

True Link Financial, Inc. does not provide investment management services and neither True Link Financial, Inc. nor True Link Financial Advisors, LLC provides legal or tax advice. Please consult the appropriate advisor regarding your specific circumstances. True Link is not associated or endorsed by the Social Security Administration or any other governmental agency.

The True Link Visa Prepaid Card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This Card can be used everywhere Visa debit cards are accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

We are required to periodically report certain Card information to the Visa Prepaid Clearinghouse Service (PCS) to assist in fraud prevention. Please contact PCS Customer Service for details regarding the information reported and on file with PCS. PCS Customer Service Department's business hours are Monday - Friday, 9:00 a.m. – 5:00 p.m. Eastern Time.

Visa Prepaid Clearinghouse Service Customer Service Department
5005 Rockside Road, Suite 600-27 Independence, OH 44131 PH
Phone 1-844-263-2111 Fax 1-844-432-3609

Источник: https://www.truelinkfinancial.com/prepaid-card/schedule-of-fees-and-charges