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KAIKU Visa Prepaid Card



Average Monthly Fees and Costs:

Product Details:
  • No setup fees
  • Cash Value Load (Retail Location) $2.95-$4.95
  • ATM transaction fee: $0 per withdrawal in network, or $2.45 out of network, plus any surcharge from the ATM owner
  • Monthly maintenance fee: $1.95
  • Funds on the card are FDIC-insured and your transactions are protected with Visa's Zero Liability Policy (see policy details for details.)
    Activation Fee: 0.00
    Monthly Fee: 1.95
    Card Limit: 10,000
    PIN Transaction Fee: 0.00
    Signature Transaction Fee: 0.00
    ATM Withdrawal Fee: 0.00
    ATM Balance Inquiry Fee: 0.00
    ATM Out of Network Withdrawal Fee: 1.45
    ATM Out of Network Balance Inquiry Fee: 0.95
    ATM Withdrawal Limit: 10,000
    Bill Payment Fee: N/A
    Bill Payment Limit: N/A
    Bank Teller Cash Fee: 4.95
    Bill Pay Expedited Service Fee: N/A
    Inactivity/Maintenance Fee: N/A
    Cash Load Fee (* asterisk indicates third party fees): $4.95 *2.95 - $4.95
    Wire Fee: N/A
    ACH Debit Fee: N/A
    Card Purchases (SIgnature) Daily Limit: 1,500.00
    Card Purchases (PIN) Daily Limit: 1,500.00
    Send Money Limit: N/A
    Card Reviews: ,
Card Features

Initial Fees

Average Monthly Fees

Bill Pay Fees / Features

Loading Fees / Options

Total Score
5/ 5

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Things We Like

This card’s fees can be competitive with (or even lower than) those of a traditional checking account. The card is FDIC-insured (funds are held in First California Bank), and it offers the near-universal acceptance of the Visa brand. Fees are generally low, and the fee-free Allpoint network is a huge plus. The fee structure is clear, and mobile features make it easy to keep track of your balance. (You may also call to get your balance -- at no charge.)

Things We Dislike

Without direct deposit, adding funds can become expensive (as is generally true of prepaid cards). While the availability of secondary cards is a big plus, it would be nice -- for purposes such as allowances -- if secondary cardholders did not have access to the entire card balance.

Posted September 16, 2013 by

Full Article

KAIKU Visa Prepaid Card sounds different from other cards, and, in many ways, it works differently, too. Like most others, it offers free direct deposit and mobile banking services. Unlike some, its monthly maintenance fee is inescapable. However, the fee is low ($1.95), and there is no charge for transactions or in-network ATM withdrawals. The latter is a huge deal: Many prepaid cards levy both a charge for ATM withdrawals plus any surcharge imposed by the ATM owner. You can go online and enter a ZIP code to find the nearest surcharge-free ATMs. There is a 95-cent ATM decline fee, but with free ATM inquiries (and mobile access), you shouldn’t have to pay it. (There are fees for out-of-network ATM inquiries and withdrawals; it pays to stay within the network.)

The black card is free; if you want a card that features an Angry Birds design, you’ll pay $3.95. Government benefit payments and tax refunds may be loaded directly onto the cards, which are FDIC-insured. Reloading is free with direct deposit; cards may be reloaded at MoneyGram or Visa ReadyLink locations, typically for a fee of $3.95 or more. (It’s a good idea to check prices at reload locations near you; they vary.) You can get secondary cards, but be aware that secondary users have access to the entire balance on the card.

This card has 6 options for loading money, including direct deposit, PayPal, bank account, cash, other KAIKU card and from a check. When loading cash value load (retail location) there is a charge that varies from $2.95 – $4.95.

Bottom line: This card’s network of more than 50,000 fee-free ATMs gives it a leg up on the competition. It also offers the conveniences of most (electronic bill pay, guaranteed acceptance, free direct-deposit), and with low fees. If you live and/or work near Allpoint ATMs, this card is worth considering.



Curtis Arnold



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