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Please note that this page is outdated and maintained for archival purposes only. However, the overall Editor’s rating above is still updated.
Also, be sure to read consumer comments below. New consumer reviews of the Wal Mart prepaid Visa debit card (by folks like you) are still encouraged! You can view our current prepaid card reviews here.
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Overview
Activation Fee: $1.00. This is a one-time fee for the purchase of a physical Card at a Walmart retail or brick and mortar store (this purchase fee is collected at the register and is not deducted from your Card account).
Monthly Fee: $5.94 – monthly fee will be waived when you have loaded $500 (was previously $1,000) or more to your Card in the previous monthly period -excludes person-to-person transfers received using the Send Money feature
PIN Transaction Fee: 0.00 (no fee to enter your PIN number when paying for something at the register)
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Signature Transaction Fee: 0.00
ATM Withdrawal Fee: 2.50 (no fee if you get cash from Walmart Stores via the MoneyCenter)
ATM Out of Network Withdrawal Fee: 2.50
Inactivity/Maintenance Fee:
Cash Load Fee (* asterisk indicates third party fees): Up to $5.95 for non WalMart locations- fee for reloading your Card at a Walmart retail store is $3.00 (free with direct deposit or check cashing at WalMart customer service desk through Rapid Reload). You can also deposit cash with no charge using the app at Walmart stores nationally.
Terms and Conditions from Issuers: Overdraft protection benefit- 3 coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit. Fees apply- $15 fee may apply to EACH purchase transaction that takes your account into the negative.
Important Consumer Note!
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Card Reviews: Card Ratings, Prepaid Debit Card Reviews
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Card Features
Initial Fees
Average Monthly Fees
Bill Pay Fees / Features
Loading Fees / Options
Total Score
User Rating
148 total ratings
Things We Like
The card is fairly simple to understand and use and the average fees are low when compared to other prepaid cards.
~ Also decent cashback rewards program (capped at $75 cashback each year).
~ Money savings feature called the vault tied to an monthly sweepstakes program that encourages savings
Things We Dislike:
~ If you not near a WalMart, this card isn’t a good deal. There are also lower fee Visa cards like Chime (see below).
The sweepstakes or lottery program may encourage over spending or you to exceed your monthly budget.
Posted September 1, 2022 by Curtis Arnold
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Your input is invaluable and we’d love to have your opinion as to whether the WalMart MoneyCard Prepaid Debit is worth it (see the bottom of the page for reviews, complaints by customers and to post your opinions and questions) – this site is powered by consumers like you!
Want to leave or read comments and have a cell phone? Please click on “Leave a Comment” at the very bottom of this page to read and comment if using a cell phone.
Consumer Note! Want to avoid the $5.94 monthly maintenance fee that the WalMart Visa charges (unless you direct deposit $500) and get paid up to 4 days early?
Wanting to build or rebuild your credit (having a high credit score can save you lots of money)? Want to get paid 2 days early?
If so, then consider the Brand New Go2Bank Cash Rebate Visa- Click Here to Apply Online in Just Mins (No Fee with Direct Deposit). (sponsor link)
Walmart, the world’s largest retailer, is known above all for two things: low prices and a huge selection of products. The Walmart MasterCard or Visa prepaid debit card (MoneyCard), not surprisingly, also aims to be low cost and full of features and benefits.
You will pay a $1 activation fee (if purchased at a retail store- charged at the register) and a $5.94 monthly membership fee (fee is waived if you direct deposit over $1,000 a month from your employer or government benefits check).
{Expired} $20 Limited Time 2021 Bonus Offer! If you direct deposit your paycheck on your MoneyCard and then one qualifying direct deposit of $500 or more by 8/15/2021. Click for more details and to apply online in minutes.
This bonus is in addition to the $75 ongoing annual cash rebate that you can get for using your card to make certain types of purchases.
Expired Sign Up Bonus Offer:
Get a $20 Bonus with TWO Consecutive Direct Deposits of $500+ to a New Card by 12/31/2020
Earn 4% cash back at Walmart.com
Earn 2% cash back at Walmart stores
Also, 2020 holiday promo bonus: Earn the biggest cash back rewards of the year on your shopping from 11/15/20-
12/19/20. The max cash back rule of up to $75 per year still applies
Earn Cash Rebates:
Earn 3% Cash Back at Walmart.com and when making purchases using the Walmart app (Android and Apple)
Get 2% CashBack at Walmart fuel (gas) stations
And 1% Cash Back at Walmart retail stores (brick and mortar). Please note that the maximum rebate is $75 each year.
New- Overdraft protection up to $200 with opt-in & eligible direct deposit.
No fee with the first $10 of coverage. Fees may apply if overdraft exceeds $10
Order an account within the app for free for up to 4 additional approved members that are at least 13 years old with your activated, personalized card.
If you have contacted MoneyCard (issued by Green Dot) and are unable to resolve your account issues in good faith, we strongly suggest taking the following steps:
1) Please post your account issues and problems at the bottom of this page in our cardholder comments section.
2) Notify GreenDot (ask to speak to a manager or decision maker) that you have complained in writing on BestPrepaidDebitCards.com (feel free to take a screen shot), a consumer advocacy site that has been featured for years in many major national media outlets.
Also, feel free to share that your post can be shared by our site with members of the media (we will change your name to protect your privacy and will certainly not share any personal account info).
3) Consider also filing your grievance with the BBB and Consumer Financial Protection Bureau and your state’s Attorney General Office.
4) Please post any updates to your problem after taking these steps as sharing your experiences will help educate and empower other consumers! 🙂
Related Visa Card to Compare to WalMart (works like Money Card but with No Fees):
Important Consumer Note!
The Wal Mart reloadable Money Card does NOT help you improve your credit. 🙁
New Bonus Offer 2021 Fine Print {Expired}:
Earn a $20 stimulus cash bonus (credit to your account) when you deposit your stimulus government check to a NEW card & then sign up for one qualifying direct deposit of at least $500 by 3/6/21.
Bonus Offer Fine Print:
MoneyCard must be applied for and activated between 12/26/20 and 4/30/21. Your stimulus check payment and payroll or govt. benefits direct deposit of $500+ must post to your account by 3/6/21.
After posting, a $20 statement credit will be credited to your account by the 10th business day of the month following your deposit. A new payroll or government direct deposit is defined as one that has not appeared on my (or your) account within the past 30 days. 1 credit per customer.
Walmart Prepaid Visa Debit MoneyCard Summary Review:
Complaints and Customer Ratings Below
The bottom line is that if you shop at Walmart on a fairly regular basis or have a Walmart retail location near you, this prepaid Visa is a good offer.
But, be advised that there are even lower fee options than the MoneyCard (with better benefits) that you can apply for, such as the no fee Chime Visa or the new Go2Bank Visa below. More info on below (we know- its hard to believe that there are lower fee offers than Walmart!).
Also, be sure to read customer warnings and our editorial full review below!
For More Information about the Walmart MoneyCard Prepaid Debit Card, Please Read our FULL REVIEW by Clicking HERE.
Please do read cardholder complaints and praises about the 123 MoneyCard below from other Walmart customers (and be sure to post your own opinion which will help other cardholders). Your questions are normally responded to within 24 hrs by an expert. Please click on “Leave a Comment” at the very bottom of this page to read and comment if using a cell phone.
Consumer Note! Want to avoid the $5.94 monthly maintenance fee that the WalMart Visa charges (unless you direct deposit $500) and get paid up to 4 days early?
Editorial Note!:
“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, including this review and the reviews written by actual cardholders below.”
Walmart MoneyCard prepaid debit card image for reviews and complaints page
Related reward credit card to consider:
Read our full Walmart credit card rating here – even if you have a limited credit history, you have a good chance of qualifying for the Walmart credit card.
Please see customer complaints and reviews at the bottom of this page- Please click on “Leave a Comment” to read and comment if using a cell phone.
The Walmart MoneyCard prepaid Visa debit card is one of the cards that have the most attractive features on the market. Normally what attracts a person to a prepaid debit card is not its physical look but its usable features. The Walmart reloadable prepaid Visa debit card is not lacking in these either.
The first feature is the ease of acquisition. The card is one of the easiest to acquire. To obtain it you don’t require a bank account and neither do you require any credit check. You can buy it at your local Walmart or Walmartmoneycard.com. Once you get the card you don’t have to stand in a queue for long periods of time waiting for it to get activated like you do with some cards offered by some financial institutions. To activate you only need to place a call to Walmart and they will activate the card for you immediately.
A prepaid debit card no matter how good its features are, if its not easy to use will end up serving little or no purpose. The Walmart MoneyCard prepaid Visa debit card has been designed to make transactions easier for the card holders. The card is accepted in all Walmart outlets worldwide. This makes your shopping abroad as easy as shopping home. You can even use it to shop online. This is unlike most other prepaid debit cards that only allow you to shop from stores but not online.
With the Walmart prepaid debit card, you don’t have to worry about acquiring cash whether you on tour abroad or at home. The card allows you to get cash from a large number of compatible ATMs the world over. This means that all you require when traveling is your prepaid visa card.
The Walmart prepaid Visa debit card does not only cater for travelers, it also caters for those at home. You can use to complete a wide range of transactions while at home without the need for cash. You can use it to pay a wide range of bills. These include the cable bills. The power bills, water bills, cell phone bills and many other utility bills. The cards provide an easy and quick way of paying bills in that there are no long procedures involved. The process has been made deliberately short and without complexities so as to make it simple for the consumer. You can even use it to pay for other domestic expenses like buying groceries, paying for gas, paying bills at restaurants and so on.
Over time, the Walmart prepaid debit card has become very popular with business people since it allows them for virtually everything they need. One can use the card to make hotel reservations, pay for airline tickets and many other expenses. Unlike cards that encourage careless spending, the Walmart prepaid Visa card enables one check spending. You can do this through by receiving email alerts every time you make a transaction on the card. One can also be receiving SMS balance alerts.
Safety and convenience are another main advantage of the prepaid card. You are charged no transaction fee and neither do you pay anything if you reload your funds using the direct deposit. There are policies that protect the card holder from unauthorized purchases.
What are the fees for the Walmart reloadable prepaid Visa debit card?
You will have to pay $2 dollars for ATM withdrawals, $1 for balance inquiries, $3 dollars for monthly maintenance which can be waived if you load or reload at least $1,000 dollars in a calendar month. And you also have to pay a fee to reload the card with a GreenDot MoneyPak which can average $4.95.
These are just some of the fees you will have to pay.
The Walmart MoneyCard prepaid Visa debit card also has several benefits that make it one of the best prepaid debit cards you can use. It has a lower monthly fee than other cards and offers a 1% cash back bonus on gas purchase through the end of 2011.
Consumer Reviews Section:
Please be sure to leave your review/rating below!
Customer Ratings of the Walmart Prepaid Visa MoneyCard:
William White November 24, 2022 at 5:30 am
I came across this site as I have had an on-going issue that I would like to be corrected and my refund still in question applied back to my account/Visa Debit Card. Reason I am replying is due to I have had similar issues like Ruthia Hughes has had and has voiced her displeasure with what seems to an on-going issue with these debit cards esp ones issued by Green Dot Bank and Walmart per each customer who has or has had these cards issued to them. (October 17, 2020).
For my part, just this year alone, 2022, I have had 4 unauthorized debits on my Walmart Visa card. Two debits this past June/July where one debit reflected a California-based website and the other, a Florida-based website. Both are online subscription companies. Total charge which Luke Ruthia occurred seconds-minutes of each other for a total of $86.65 (46.66+39.99). Two subscription charges, yet I found no confirmation email or posting to my account history stating I, indeed, ordered something. None whatsoever.
Previous to those two charges, there were again two debits where one was in California and the other was New York and again just seconds apart. That total was very bold as it came to over $100. I thought there is no way on God’s green planet where I could have been in New York then San Francisco. I was a fast 400 meter runner in high school, but not that fast. Last year, I had my money again debited. Again unauthorized. As for this last occurrence, I have yet to see the $39.99 credited back to me.
After I called in my dispute, which I believe was a Wednesday or Thursday, the following Monday, I was credited by back that one debit of $46.66. Just that fast. Per Walmart’s directions or steps we are advised to take, one is to contact the debitor and try to come to a solution or resolution. I emailed them prior to receiving one debit refunded to me. So when I did get the charge, I thought the 2nd would follow soon, maybe even quicker than the first. Yet I didn’t but that 2nd debitor emailed me stating the refund is on its way and my financial institution should receive it within 5-7 business days.
All quiet from Walmart or those who work at Dispute Resolution until I got a letter dated October 29, 2022 stating after the one payment was credited to me, their investigation is final. So where did that supposed refund go to and why hasn’t Walmart spoken of this refund? One party isn’t being honest. Or even forth-coming considering I hold all the cards now. I will call Walmart dispute fee resolution today if they are open or Friday and inform them of a discrepancy in their investigation.
I will follow the guidelines this website has provided me so I can resolve my issue quickly and fairly. Having the letter from Walmart and email from debitor is kind of strange for me. I hope Walmart does the right thing and let’s move on as the world needs our attention I do have some valuable pointers for all yous who are thinking of getting a Walmart debit card and I shall follow up with those thoughts asap. Wish me luck. Well it’s only $39.99 not $40,000,000 but to me that’s life and death rn. The world isn’t getting any easier for us who have to fight everyday to stay alive. This battle is worth every penny esp being my work pay. 😇🙂🤔
Kelly Hopkins March 1, 2022 at 6:35 am
Great until you dispute a charge.
James Curtis March 19, 2021 at 1:41 am
Hi I have a Walmart money card that expires on 4/21.
can I apply for the mossy oak card ?
Curtis Arnold March 19, 2021 at 1:44 am
Greetings James and thanks for your feedback.
I have done some research and unfortunately, I cannot find out if the Mossy Oak card is still available.
I would suggest that you contact Green Dot customer service @ (866) 795-7597 and see what they say.
Hope this helps. Please let us know how things turn out.
Kathleen L Green November 27, 2020 at 12:38 am
Why are they not allowed in vermont
Curtis Arnold November 28, 2020 at 7:04 pm
Great question and thanks for posting your cardholder question about the Money Card. I don’t know the answer to your question, but it appears Vermont is the only state where you can not apply. I suspect consumer protection laws.
Does Vermont have Walmart retail locations?
Curtis Arnold June 15, 2019 at 3:57 am
All-
I was at a small independent tax / accounting service company today and noticed that they offer Walmart prepaid cards to their customers as an option when they get their tax refund (to have their refund deposited on).
Found this to be very interesting and just curious if anyone else has seen anything like this?
Rick May 18, 2019 at 3:34 am
I really don’t have complaints about the Walmart prepaid debit card.
It was Easy to load, $3 charge, and $5 monthly fee.
But I just used the Walmart prepaid Visa for a few months. Only got rid of it because I started using a debit card with my local bank.
5 dollar charges each month, but overall a good card. I’d give it 4 stars.
Shane Tripcony May 4, 2019 at 4:29 am
Comment by Editor:
I just read that Wal-Mart says that prepaid Visa customers have saved 2 billion (yes billion!) using the Walmart vault program since its inception- this
Is truly impressive.
So Kudos to Walmart for helping their prepaid money card customers to save.
Please note Wal-Mart is not an advertiser on this site.
Robbie March 17, 2019 at 7:37 pm
I got the Walmart debit card so that I could buy stuff off Amazon and so I could protect my identity from scammers online.
Have enjoyed using it – only stopped using it because I got a checking account and debit card through that bank.
Davida March 16, 2019 at 12:32 am
We loaded money on the Money Card, but it got stolen after I used it just a month. I don’t like the when you want to load cash on the card at Walmart service desk, it charges me a $5.00.
Thank the precious Lord I got the replacement card and I hope to get direct deposit from my employer set up soon.
– Davida
Jim Smith March 14, 2019 at 1:22 am
I used the Walmart 123 money card only one time to purchase a 12c/d set of country music online as I was worried about using my credit card online (afraid of fraud or theft).
I loaded it with cash at Walmart service desk which was easy. It Worked great but I never used it again- not because of any problems though. Overall this card is rated well imho. 🙂
Mary L Williams January 14, 2019 at 1:14 am
Thanks
Curtis Arnold January 14, 2019 at 4:02 pm
Your quite welcome. Glad our review was helpful and please give feedback on the perks of the Walmart card and negative terms if you get a chance.
Ben February 26, 2014 at 10:05 pm
Easy to load card. Direct Deposit numbers can be obtained VIA the website and the telephone. I’ve never had a problem using this card.
Hilary Doddridge February 26, 2014 at 10:06 pm
Thanks for the feedback Ben! We really love hearing from consumers on their personal experience with the cards!
Mai January 1, 2014 at 1:28 am
Hey very nice blog!
Hilary DoddridgeJanuary 3, 2014 at 4:21 pm
THANK YOU!
Reply
Ruthia Hughes October 17, 2020 at 10:54 am
I bought a 4.95 item online, two days later a 5.95 payment was deducted from same business, 5 days later, l tried to use my card in a physical store and there was an 80 Cents balance left on my card, l knew l had plenty of money on the card However; when looking at my account , two unauthorized payments were taken out 10 min apart totaling nearly 100.00 a piece!
I contacted the Walmart M Card cust service who took the report and canceled my Visa informing me they would send a replacement card with money credited back upon their investigation.
Today l received a letter without any card claiming they found no error based on relevant info and account activity ? How was l unable to purchase something at Ross due to 80 cents left and 200.00 was deducted two days after ? Ten minutes apart!?
Now I can’t even log in because that card was deactivated and l believe it’s an inside scam by Walmart who constantly sends emails about money added and asking you to check your balance
then I get texts from Capital One saying thank you for your payment? I never press those but I know Walmart Card services did NOTHING TO ASSIST and the ? On the other end seemed all to familiar with it! DONT BUY OR TRUST WALMART MONEY CARD they are snakes from the…….
Curtis Arnold October 18, 2020 at 8:17 pm
Ruthia-
Greetings and thank you for sharing your problems. Have you spoken to a manager at WalMart? This seems like a fraudulent purchase. 🙁
bitcoin offline wallet December 30, 2013 at 10:34 am
I quite like reading an article that can make men and women think about the prepaid debit card from Wal-Mart.
Also, thank you for permitting me to comment!
Hilary Doddridge December 31, 2013 at 4:21 pm
Thank you for taking the time to comment, we really appreciate the feedback!
