10 Ways to Add Cash to Your Prepaid Card

When you need to load cash on your postpaid calling card, you have choices. In this article, we cover how the cash recharge networks work, how to use them, and the cost of each. We ’ ll besides cover some alternatives to cash to add money to your card. spoiler : there are cheaper alternatives to cash .
Adding cash to prepaid cards
For 12 million Americans, reloadable postpaid cards dissemble as a fiscal cock that serves as a checking account replacement, budgeting cock, or credit card substitute. No matter the cause for using a postpaid menu, most use it for purchases. And, one of the benefits to a reloadable prepay card is that you can, well, recharge it. That means adding money. money that can be used for far purchases .
With postpaid cards, there are a number of ways to load money on the card–direct deposit, checking report transfers, even PayPal.

But sometimes you need to load the circuit board with cash. With most postpaid cards, loading cash involves a reload service that ultimately handles the transmit of cash to your card .
What are the services and how do they work ?

Cash at the Register vs. Reload Packs

Although there are a number of recharge services–sometimes called reload networks –the general mechanics of how they work fall into two categories .
Cash at the Register: This recharge method acting means that you load the menu directly, normally by taking your postpaid menu and the cash to reload to the register at a participating retailer. simple work. typically, the cashier good swipes the prepay card and takes the cash to load on the poster .
Reload Pack: The moment choice is to buy a recharge pack. It ’ sulfur exchangeable but it involves the interim step of loading money on the recharge pack quite than directly on your postpaid card. The recharge gang is purchased at a participating retailer and the cashier accepts the money you want to load on the pack. Each of these recharge packs will have a unique identify number. After buying a reload pack you will need to login to a impregnable web site, enter your postpaid poster report data, and enter the reload pack number to transfer the cash from the reload pack to your prepay tease .
With a few exceptions, cash reload services charge a tip for the service which is paid at the register. The fees and reload options will vary by postpaid card .

Ways to Load Cash to a Prepaid Card

1. Green Dot’s MoneyPak

Green Dot MoneyPak The green Dot MoneyPak is the most widely accepted method acting of loading cash on postpaid cards. According to Green Dot, over 300 prepay cards accept the MoneyPak as a way to load cash on the card. That covers many of the prepay cards available, including Walmart ’ s MoneyCard, CARD.com and, of course, Green Dot ’ s own prepay card. To determine if your circuit board can use the MoneyPak for cash loads, you can visit the MoneyPak locate and enter the foremost 9 digits of your card report .
The Green Dot MoneyPak falls into the reload pack class of cash burden methods. indeed, you ’ re buying and loading cash to the MoneyPak first, preferably than loading the cash directly to your prepay menu .
You buy and load cash on the MoneyPak by taking your cash and the purchase fee to the cash register at one of the MoneyPak leverage locations. once you have the MoneyPak, you need to create a impregnable login at Green Dot ’ s MoneyPak web site. Scratch off the MoneyPak identifying number on the back of the poster and embark that number along with your prepaid card number once you ’ ra signed in to transfer the MoneyPak balance to the wag. once completed, the cash is available on your postpaid card immediately. however, it takes 20 minutes from the buy of the MoneyPak for the funds to be available for transfer .
The Green Dot MoneyPak can be purchased at thousands of retail locations and convenience stores, including Walgreens, CVS, Family Dollar, and Walmart, to name a few. You can find nearby locations by entering your travel rapidly code here. The MoneyPak costs $ 5.95, and a unmarried MoneyPak can be used to load $ 20 – $ 500 in cash .

2. Netspend Reload Network

NetSpend Reload Network Netspend is one of the largest prepay brands, including among its managed cards–the Netspend prepaid card, the PayPal Prepaid Mastercard, and the mileage Plus Go prepay batting order. It ’ s not surprising that it has its own cash reload network .
The Netspend Reload Network can be used to load prepay cards at over 130,000 grocery stores, boast stations, check cashers, and public toilet stores. Fees are determined by the retailer but broadly range from $ 2.00 – $ 3.95. You can find a nearby Netspend Reload location here, which handily lists the tip charged by each location .
One other note about Netspend ’ s recharge avail. Netspend once offered the Netspend Reload Pack. It was like to Greendot ’ s MoneyPack. Netspend discontinued the Netspend Reload Pack in favor of the more secure Netspend Reload Service .

3. MoneyGram

MoneyGram More than 100 postpaid cards can be loaded through MoneyGram, including prepay cards like the AccountNow prepaid wag, the Univision calling card, and RushCard. If you see a MoneyGram logo on the back of your prepaid menu, then you can use MoneyGram to reload it .
MoneyGram is in the “ cash at the register ” category of reloads so the money is loaded immediately on your batting order. however, it works a little differently than a pilfer recharge. To use MoneyGram recharge services, you need to enter information in a booth or fill out a form at a MoneyGram agentive role location. It ’ s basic information–your full name, your postpaid card mention and number, and the load amount. You ’ ll besides need a valid ID. Accepted ID types can differ by agent location. Unlike swipe recharge services, you don ’ t need to have your prepaid tease with you .
There are thousands of MoneyGram agent locations, including Walmart, CVS, and many appliance stores and independent retailers, deoxyadenosine monophosphate well as MoneyGram fiscal service centers. You can find MoneyGram locations here .
MoneyGram is a reload at the register avail, so the money is loaded directly to your prepay wag and available to spend about immediately .
The tip associated with MoneyGram reloads starts at $ 3.95, but the price is determined by the agent placement, so it can be higher .

4. Green Dot Reload @ the Register

Green Dot Reload @ the Register In addition to the MoneyPak, Green Dot offers its Reload @ the Register service to add cash to prepaid cards. As the name suggests, it ’ s a reload at the register service with cash being loaded directly to the poster. Reload @ the Register was primitively intended to replace the MoneyPak all in all, due to regretful actors using the MoneyPak for deceitful purposes. While the MoneyPak returned by popular demand ( with some lend security measures ), Reload @ the Register is still offered as Green Dot ’ s pilfer reload alternate .
Like the MoneyPak, it can be used with hundreds of prepay cards. Cards like CARD.com postpaid cards, Mango Mastercard, and the Insight Prepaid Visa, to name a few. You can ensure that your calling card is compatible with the service by checking out this list .
All you need to do is heading over to a participating retailer like CVS, Dollar Tree, Walgreens, and thousands of others to reload your batting order with cash. It will cost up to $ 4.95 to reload your wag ( $ 3.74 at Walmart ). It ’ s a swipe recharge serve, so you ’ ll indigence to have your menu with you. The cash will be available to spend justly off .
A single reload transaction can be improving to $ 500, with a $ 20 minimum .

5. Vanilla Reload

Vanilla Reload The Vanilla Reload avail previously offered both reload packs and reload at the register. It discontinued its reload pack in March 2018 but still offers its pilfer recharge military service .
Using pilfer load with Vanilla ReLoad is dim-witted. You merely have to bring your postpaid tease and cash to a participating retailer. There aren ’ triiodothyronine as many participating locations as, say, park Dot ’ s recharge service but Vanilla Reload is available through a numeral of the largest retail chains, including Rite Aid, Walmart, and Speedway. You can find a complete list of retailers here.

The number of postpaid cards that can be loaded with Vanilla Reload is far fewer than most others on the number, but does include some of the largest brands, like the American Express Serve card, PayPal Prepaid Mastercard, Netspend, and of course, its parent company ’ s own prepay tease, MyVanilla. You can see early participating prepay cards here .
The tip can be up to $ 3.95 per transaction with a minimum load of $ 20 and a maximal of $ 500 .

6. Visa ReadyLink

VisaReadyLink Visa ReadyLink is another easy room to add cash to your postpaid card. The service will work with most Visa postpaid cards, including the Netspend prepay cards, the MileagePlus GO change of location rewards Visa, and Ace Elite. A fast way to check if your prepaid card can be reloaded with Visa ReadyLink is to check for the Visa ReadyLink logo on the back of your circuit board .
It ’ s a recharge at the cash register military service. You equitable have to go to a merchant placement with your cash and swipe your menu. The money will be available for your use within 30 minutes .
The tip for Visa ReadyLink will vary by retailer, but it ’ south generally $ 4.95 or less .
In 2015, the Visa ReadyLink avail was incorporated with Walmart ’ s Rapid Reload service, allowing ReadyLink logo prepay cards to be loaded with Rapid Reload–a frequently cheaper alternative at $ 3.74 .
Visa ReadyLink retail locations generally limit the utmost reload in a one transaction to $ 500 but it ’ s $ 1,000 using Walmart ’ s Rapid Reload. The minimal is $ 20 .

7. WU® Reload+

Western Union Reload WU Reload+ is offered by Western Union and is available for over 100 prepay cards. The list includes Card.com postpaid cards, the Netspend Prepaid Visa, and of naturally, the Western Union prepaid menu. You can check if your calling card can be loaded through Western Union by taking a quick expression at this list .
Although once requiring a form like MoneyGram, WU Reload+ is now a dim-witted pilfer to reload at the register at any Western Union agent placement. therefore, you ’ ll need your card and the cash to load on your postpaid batting order .
The tip is $ 2.95 – $ 4.95, depending on the Western Union agent. agent locations can be found at major supermarkets, check cashing locations, and many mugwump appliance stores. You can find your location here .

8. Reloadit

Reloadit Reloadit is in the recharge backpack class of recharge services, so loading money on your prepaid menu first requires you to buy the recharge clique and then transfer the money from the Reloadit pack to your calling card .
The Reloadit pack can broadly be purchased at a numeral of major supermarket chains, like Kroger and Safeway. You can find purchase locations in your area here. Each Reloadit battalion generally costs $ 3.95 to load cash from $ 20 – $ 500, but the fee can vary by location .
To transfer money from the Reloadit pack to your prepay wag, you need to create a “ Reloadit Safe ” –just an on-line account with your e-mail address, a password, and a four digit “ Safe Code ” that you select. You enter your postpaid card report data in the vault. then whenever you purchase a Reloadit clique, you merely enter the unique Reloadit id numeral on the pack in your safe to transfer the funds to the calling card .
Reloadit covers merely a few prepay cards, but they include some of the more popular ones, like American Express Serve, the PayPal Prepaid Mastercard, and the Western Union prepaid calling card. You can find the Reloadit list of postpaid cards here .

9. Walmart Rapid Reload

Walmart Rapid Reload Walmart offers its own cash recharge overhaul, and it ’ s not merely for their Walmart MoneyCard. And like all things Walmart, it ’ second bigger and cheaper than most others .
The Walmart Rapid Reload service is in the recharge at the register category. Just take your card and cash to the register at any Walmart location to load participating cards. You can reload most cards with Rapid Reload, including Netspend, PayPal, and of course, the Walmart MoneyCard. And because Walmart Rapid Reload now incorporates Visa ReadyLink, it can be used with any prepay calling card bearing the ReadyLink logo .
You can load anywhere from $ 20 to $ 1,000 per Rapid Reload transaction. The fee is $ 3.74–less than most cash reload services. For the Walmart MoneyCard, it ’ randomness just $ 3 .

10. Bank Issued Prepaid Cards

A number of recognition unions and banks offer their own postpaid cards. For exemplify, Chase offers its Chase Liquid menu and TD Bank offers the TD Connect Card. These cards, and most bank-issued cards, will allow you to load cash for free at their branches .
The price is right, but the downside is convenience. The number trust locations will be far fewer than the retail locations available through the other cash reload services listed above .

Downsides of Loading Cash to a Prepaid Card

With all of these options to load cash on a postpaid card, it ’ second still important to remember the downside–the fees .
Prepaid cards can be used cheaply, but it ’ second a lot harder to keep fees in lineage when paying to add money to the batting order. Most cards offer a number of free alternate load options. First, virtually every card has complimentary target deposit. If loading your paycheck or benefits check to your menu consists of cashing the check then using one of the above services, you ’ rhenium paying excessively a lot. Setting up direct deposit to get the funds on the postpaid card is easy and free .
Second, many postpaid cards have mobile applications where you can deposit checks to the card with no tip. Although there ’ s a wait, the savings over arrest cash and loading cash is worth it .
Third, with most prepay cards, you can transfer money from your bank score to your postpaid menu for free. While some prepay card users don ’ thymine maintain a traditional bank account, it ’ s a dear choice if you have one .
Some cards, like the PayPal Prepaid Mastercard and the Walmart MoneyCard, allow you to transfer money from a PayPal account to a prepay card. Another spare option. But note that the PayPal card is the only one with moment PayPal transfers.

But some can ’ triiodothyronine avoid loading with cash. Servers and drivers that receive cash tips, for case, have limited options. For those, consider a bank issued prepay calling card with spare cash burden options or a postpaid circuit board that participates in one of the lower fee networks .

Ways to Load Cash on a Prepaid Card – Summed Up

You have a number of ways to add cash to a postpaid card. With the differences in fees and appliance, it ’ s an important factor in deciding which prepaid menu to get or whether to switch. virtually every way of adding cash involves fees. Consider the other free ways to add money to your tease .
here ’ s the list of all the ways to add cash to a postpaid batting order, along with their fees .

List of Ways to Add Cash to a Prepaid Debit Card
Cash Reload Method Fees
1. Green Dot MoneyPak $5.95
2. Netspend Reload Network $2.00 – 3.95
3. MoneyGram $3.95
4. Green Dot Reload @ the Register $3.74 – 4.95
5. Vanilla Reload $3.95
6. Visa ReadyLink $3.74 – 4.95
7. WU Reload+ $2.95 – 4.95
8. Reloadit $3.95
9. Walmart Rapid Reload $3.00 – 3.74
10. Certain Banks $0
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