SMS Banking Alerts with Prepaid Cards
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Bread Pay As You Go Prepaid Credit Card is subject to terms and conditions including applicant providing acceptable ID, being a resident in the UK & aged 18 years+. Prepaid Card & usage fees apply.
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Post Office Travel Money Card Plus is issued by Clydesdale Bank PLC pursuant to license by MasterCard® International.
Do Prepaid Cards offer a SMS Banking Alerts Service?
Where Prepaid debit cards companies send you sms updates such as when you load your card or your balance is running low on your prepaid card
Below you will find Frequently Asked Questions about prepaid bank cards, including whether prepaid cards offer SMS banking.
Do prepaid cards offer SMS banking? Banks do offer SMS services with prepaid card banking. You simply need to register a mobile number when you activate the prepaid card (or call your bank to add a phone number if you did not do so when you signed up), and then you will be able to access information such as your balance, transaction information and more all through SMS.
What are the processes and requirements for opening a prepaid bank account? Pros and cons? To open a bank account, you will need your basic information along with your Social Security number, a valid driver's license, and the minimum amount of deposit money your bank requires to open an account. The pros to having a bank account include having your money in a safe place and being able to withdraw and spend money from almost anywhere. However, there are limits to what you can do with a prepaid card. Unlike a credit card, you cannot spend more money than you have on your card at the moment you are making a transaction, meaning you must always maintain a reasonable amount of money on your card if you plan on using it regularly.
What fees apply to a debit card? Most bank accounts require you to maintain a minimum amount of money, and if your account drops below this amount you will be charged a fee. Additionally, ATMs that are not affiliated with your bank can charge you fees to withdraw cash.
How can this save me money? The benefit of having a prepaid card is that you cannot overdraw on your account, meaning that you will not be charged interest or fees for having a negative balance.
Can I transfer money from one card account to another? Yes! You can easily transfer money between accounts by simply logging into your online banking account and accessing the transfer service. Or, if preferred, you can always visit your bank in person to transfer money.
Can I transfer money from my bank to my card? You can transfer money from your bank to your card in much the same way you transfer money between card accounts.
Can I have my balance on the account refunded to me? If you intend to close your account and want to keep your money or if you simply would rather have your account empty for any reason, you can withdraw all of your money, although there may be a fee for emptying your account.
How much can I withdraw from an ATM? This depends upon your bank and your own limits. When creating a bank account you can set your own limits on how much money you can withdraw each day (for example, no more than $200 per day). You should contact your individual bank for inquiries on their specific withdrawal limits.
When will my card arrive? A bank card typically takes 7-10 business days to arrive in the mail after your banker orders it . Alternatively, you can opt for your bank to call you when the card arrives so that you can pick it up from the bank in person.
How do I get a reminder of my PIN? Upon creation of your bank account, you should receive documents with account information. Within these documents, your PIN should be enclosed. You can also request your PIN information by accessing your online banking account.
What is the current interest rate on my bank account? Your bank can answer that question more specifically, but the average annual interest rate for bank accounts stands at 0.06%.
Where can the currency card be used? Currency cards, or prepaid cards, can be used anywhere that accepts debit cards. All major chains should accept cards; local businesses may or may not accept your currency card, so call and ask before deciding whether to spend there. Currency cards are also accepted for most online transactions.
Can I get additional cards for family and friends? If you are comfortable with being liable for another person's banking habits, you can add a member to your bank account under your name, and depending on their age (typically the age restriction is 16+) that person could use their own card.
What are the currency card costs? Most currency cards cost whatever the minimum amount is to open the account.
How can I renew my card? You can request a new card by visiting your bank's website, mobile app, physical bank location, or by calling their phone number.
Why has my card been declined at an automated petrol pump? Most gas pumps will take out a $75-$100 hold when you attempt to pay at the pump. This money is withdrawn and then automatically refunded to your account so you will never lose more than what you spend at the pump, but if your account balance is below the hold amount when you attempt to purchase gas, your card may be declined. You can avoid this by ensuring your account never falls below the hold amount or by simply paying at the register inside.
Can I use my prepaid card to pre-book a hotel? Yes, you can use a prepaid (or travel, debit, etc.) card to book a hotel by either booking online or calling to book.
How do I check my card balance and statement? Your bank will mail monthly paper statements to the address you provided when you sign up. Your paper statement includes transaction information as well as a final balance. If you'd like more immediate balance information, you can sign up for an online banking account where you will have 24/7 access to your account balance and an electronic statement. You may also be able to access your balance at your bank's ATM.
I have a balance on my old card. Can it be transferred to my new card? If your cards are connected to the same account, it should not be necessary to transfer any balance because the money remains in your account until you make a transaction.
How do I order a new card? See "How can I renew my card?"
Where can the card be used? See "Where can the currency card be used?"