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View fee table >
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The Western Union® MoneyWise™ Prepaid MasterCard® is a great way to pay for everyday expenses. Features include:
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Convenient
Shop the way you want. Whether online or in store, you can use your card everywhere Debit MasterCard® is accepted.
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Reloadable
Add money4 to your card easily with a qualifying direct deposit5 or in person at over 46,000 participating Western Union® Agent locations nationwide.
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Your Money is Protected
Relax. If your prepaid MasterCard card is lost or stolen, your money is protected.2
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Manage Your Way
Only spend the money you have on your card. Plus, track your balance and spending online, over the phone and with mobile notifications.6
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Lots of Free
Unlike other prepaid cards or banks, there are no monthly maintenance fees, no purchase transaction fees and no overdraft or late payment fees3 — which means more money stays in your pocket.
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View FAQs |
View fee table
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View Cardholder Agreement
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Frequently Asked Questions
Q: How do I get my $10 bonus?
A: Sign up for direct deposit within 60 days of receiving your card. To get started, fill out a direct deposit form and give it to your employer. You will receive $10 onto your card within 60 days of completion of an eligible direct deposit.
Q: How is this prepaid card different from a credit card?
A: With this card, you add your own money before you can use it to purchase goods and services. There are no overdraft fees or late payment fees with this prepaid card. Also, you cannot overspend and be charged interest on this card.
Q: How can I keep track of the money I spend on my card?
A: You can manage and track your spending and balance online, over the phone or though mobile text notifications - 24/7! Visit westernunion.com to sign up or learn more. Standard message and data rates may apply.
Q: Is the money on my card protected?
A: Yes, your funds are protected by MasterCard's Zero Liability policy.2 In the event you lose your card, it is very important you call the number on the back of your card as soon as possible. See terms and conditions for more details.
Q: Can I withdraw cash at an ATM and use it online?
A: Yes, your card is able to be used anywhere Debit MasterCard is accepted. Don't forget to select Checking when withdrawing from an ATM.
Q: Can I change my PIN #?
A: You can easily change your PIN by calling our automated Customer Service line.
The Western Union® MoneyWise Prepaid MasterCard® is issued by MetaBankTM pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
1 Sign up for direct deposit within 60 days of receiving your card and receive $10 onto your card within 60 days of completion of an eligible direct deposit
2 MasterCard's Zero Liability Policy covers U.S.-issued cards only and does not apply to the cost of replacing the card, ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.mastercard.com/general/zero_liability.html. Refer to Cardholder Agreement for fees on card use, replacement and card account closure. Certain conditions and exceptions apply.
3 Common card fees include: $1.95 ATM Withdrawal Fee (plus applicable ATM operator fees), $0.45 ATM Inquiry/Decline Fee, $2.95 monthly Inactivity Fee (monthly servicing fee after 120 consecutive days of non-use)and a $4.95 Reload Fee. Additional fees could include Re-issue card fee of $5, Bank to card transfer fee of $1, paper statement fee of $3, and currency conversion gains and fees. See Cardholder Agreement for a complete description of fees.
Common Card Fees (see Cardholder Agreement for a complete description of fees.)
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Prepaid Card Fee Details: |
| Monthly Maintenance Fee |
FREE |
| Signature Purchase Transaction Fee (when sufficient funds are available) |
FREE |
| PIN Purchase Transaction Fee |
FREE |
| Employer Payroll or Government Benefit Payments Direct Deposit |
FREE |
| IVR Call/Balance Inquiry fee |
FREE |
| Live Customer Service Fee |
FREE |
| Online Electronic Statement Fee |
FREE |
| ATM Withdrawal FEE (plus applicable ATM operator fee) |
FREE |
| Inactivity Fee (monthly servicing fee after 120 consecutive days of non-use) |
$2.95 |
| Agent Location Cash Load Fee |
$4.95 |
Additional fees could include Re-issue card fee of $5, Bank to card transfer fee of $1, a paper statement fee of $3, cash withdrawal at bank counter fee of $25.00, stop payment fee of $4.95, check processing fee of $25.00 and currency conversion gains and fees. See Cardholder Agreement for a complete description of fees.
4 Load transactions (i) that exceed certain dollar amounts or (ii) That implicate certain regulatory issues may be restricted by us as outlined in the individual Cardholder Agreement
5 The card is subject to load and account balance limits. If a direct deposit transaction would exceed these limits, the transaction will be denied and you will need to obtain your funds some other way. Only certain funding sources may send direct deposits to your card. Funds availability is subject to funding source's timing. See Cardholder Agreement for details.
6 Standard message and data rates may apply.
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