![]() ![]() Payments are rejected if there isn’t enough money on your card to cover them. So, if you had £5 on the card and loaded another £50 onto it, you could spend up to £55 before you need to top it up again. There is no overdraft facility and you cannot get into debt with a prepaid card. When you pay money onto the card, it is added to your balance, and this is the maximum amount you can then spend without adding more funds. ![]() The difference is that you can only spend money you have already loaded onto the card. You can use a prepaid card to make purchases or withdraw cash in the same way as a credit or debit card. However, because they don’t let you borrow, they are a great alternative for people who want to keep a firm handle on their spending or have previously been turned down for other types of plastic. ![]() Here is a list of our partners who offer products that we have affiliate links for.A prepaid card can be used in the same way as a debit or credit card and looks the same too. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. Plus, there are extra fees if you want instant access to deposited checks: 1% for payroll or government checks and 5% for other checks, with a $5.00 minimum fee. You’ll pay $2.50 for out-of-network ATM transactions and a cash reload fee of up to $3.95, depending on where you reload your card. The card has very few fees, but you should be aware of them. Once you load money onto the Bluebird prepaid card, you can use it to withdraw cash at an ATM, pay bills, transfer money or make a purchase anywhere American Express cards are accepted. Or, you can purchase a temporary card at Walmart, load it with cash and use it until you receive a permanent card. To get the Bluebird card, you can create a free account online and wait seven to 10 days for your card to arrive in the mail. Cardholders get free ATM withdrawals at over 30,000 ATMs in the MoneyPass network. Instead, you need to load money onto the card before using it to make a payment or withdraw cash from an ATM. The Bluebird American Express Card works like a regular debit card, except it’s not linked to a bank account. How Does the Bluebird American Express Card Work? You can use it to make payments, transfer money and receive direct deposits instead of using a debit card linked to a traditional checking account. The Bluebird American Express card is a prepaid debit card that functions like a checking account.
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