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is there a Difference between Prepaid Cards and Credit and Debit Cards

Published on 18 March 2016 in Multi - Question and Answers by Raffick Marday

Are Prepaid Cards the same as Credit or Debit Cards

Yes, they are!

Prepaid cards work just like a normal debit or credit card, with the exception that all transactions are approved and authorised by the prepaid card provider.

So, unlike a debit or credit card, where you could go over you credit limit or overdraft, you are restricted and only able to spend funds that you have available in your prepaid account.

It's much like a pay as you go mobile phone, where if you run out of credit, you can no longer make calls! Once you have run out of credit in your prepaid account, you need to top-up before you can continue using it.

In actual fact, given that prepaid cards are just like debit or credit cards, you can also top-up your pay as you go mobile phone with your prepaid credit card! No more trips around to the local petrol station to pick-up a top-up voucher!

We hope you found this answer useful. If you have any comments, or further questions, drop us an e-mail at, and we will do our best to help you.

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