KAIKU® Visa® Prepaid Card
KAIKU® Visa® Prepaid Card's Key Fees
| ACTIVATION FEE |
None |
|---|---|
| MONTHLY FEE |
$3 |
| SIGNATURE TRANSACTION FEE |
Free |
| PIN TRANSACTION FEE |
Free |
| IN-NETWORK ATM TRANSACTION FEE |
$0 |
| ATM NETWORK SIZE |
55000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
$3 |
| FOREIGN ATM TRANSACTION FEE |
$3 |
| ACTIVATION FEE |
|---|
| None |
| MONTHLY FEE |
| $3 |
| SIGNATURE TRANSACTION FEE |
| Free |
| PIN TRANSACTION FEE |
| Free |
| IN-NETWORK ATM TRANSACTION FEE |
| $0 |
| ATM NETWORK SIZE |
| 55000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
| $3 |
| FOREIGN ATM TRANSACTION FEE |
| $3 |
KAIKU® Visa® Prepaid Card's Highlights
| SIMPLE FEES - It’s only $3/month when you use in-network ATMs, and that’s easy to do, since the Kaiku Card may be used at any of the 55,000 Allpoint surcharge-free ATMs worldwide. The fee is waived if you load at least $750.00. |
| MOBILE CHECK LOADING - Snap a picture of your check and load it to your card from anywhere with the Kaiku Mobile App on iOS and Android. |
| SIX EYE-CATCHING COLORS - Select a vertical woodgrain card design that reflects your own personal style: Ninja Black, Grizzly Brown, Unicorn Pink, Shark Bite Teal, Artsy White or Jurassic Amber. |
KAIKU® Visa® Prepaid Card's Additional Info
| LIVE CUSTOMER SUPPORT |
|---|
| Free |
| AUTOMATED CUSTOMER SUPPORT |
| Free |
| RELOAD OPTIONS |
| Direct Deposit, Visa Ready Link, Cash Reload, Bank Transfer, Check Reload |
| CANCELLATION FEE |
|---|
| Free |
| INACTIVITY FEE |
| None |
Customer Questions and Answers
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Where can you get a card? Reply 3514
This is actually one prepaid card that you cannot buy in a store. But you can apply online by clicking the “Apply Now” button on this page and filling out the issuer’s secure application to which you will be automatically redirected. Please let us know if you have any other questions!
If I get direct deposit from my employer on Friday, will I receive my funds that same day or will there be a hold on my funds? Reply 3218
There may be a temporary hold on your first direct deposit transaction but after that you will receive your money as soon as your employer releases it. You can find out more here: https://wallethub.com/edu/available-funds/11314/ . Hope this helps!
Can I use this prepaid card for hotels and rental cars? Reply 2213
Many hotel chains will accept prepaid cards, though they are more likely to do so at check-in or check-out than at the time of booking. That policy should also apply when renting a car; however, each rental company has its own rules about acceptable payment options. We actually have two great articles that should help clarify matters: http://wallethub.com/edu/book-hotel-without-credit-card/25850/ and http://wallethub.com/edu/car-rental-without-credit-card/25551/ . Please let us know if you have any other questions!
Where can you reload this card and how much is it to reload the card? Reply 2017
There are a number of ways and most of them are free (see below). The only time you’ll have to pay is when you load cash to your account through VISA ReadyLink or MoneyGram, which will cost you $2.95 and $4.95, respectively, each time. So, if possible, stick to the following: Direct deposit (e.g. from your employer) Deposit checks using the KAIKU mobile app Transfer money from your bank or PayPal account If you’re interested in a prepaid card that allows you to deposit cash for free, look for an offer issued by a big national bank that has branches nearby. Chase Liquid is an example. It offers complimentary cash deposits at any Chase bank branch and many Chase ATMs.
What store can I buy this card from and can I give them any name? Reply 1912
This is actually one prepaid card that you cannot buy in the store. However, you can apply online by clicking the “Apply Now” button on this page and filling out the application that you will be redirected to. You will need to provide your real name for identity verification purposes, but you would have to ultimately do so anyway with a prepaid card purchased in a store in order to make ATM withdrawals and reload funds. Let us know if you have any other questions!
Will this have my name on it? Reply 1715
Yes, the card you will receive will have your name on it. Hope this helps!
Can I use this card if I travel abroad and can I reload it outside of the U.S.A. ? Reply 1510
Yes, you can use the Kaiku card abroad, and there is no foreign transaction fee. The easiest way to reload your card while abroad is to link it to your bank or PayPal account. Best of luck!
What is the limit to adding money to my Kaiku account by taking a picture of my check with my smartphone? Reply 135
After reading the cardholder agreement on KAIKU card’s site, it seems that if you take a picture of your check it is deposited to your KAIKU account through the Ingo remote deposit network. The FAQ at Ingo’s site mentions that with a check you can add funds from $5 up to $2,500 and there’s a maximum limit of $2,500 per check, $5,000 per day and $10,000 per month. Also, in the aforementioned cardholder’s agreement we see that the maximum aggregated load limit for all loading methods in any thirty day period is $25,000 and the maximum value that may be placed on a KAIKU card when aggregated with any other cards you have authorized is $10,000.
Can the Kaiku be linked to a PayPal account? Reply 94
Yes, you can link a Kaiku card to your PayPal account. Just log in to your PayPal account and hover your mouse over the "Profile" tab. Select the "Update Card" option, activate the drop-down menu next to "Card Type" and select "Visa". Enter your card details and click the "Add Card" button. Hope this helps!
Will this card and the activity be reported to the credit bureaus? Reply 97
Prepaid cards are not credit cards and your transactions when using a prepaid card are not reported to the credit bureaus. For more information you can go here: http://wallethub.com/edu/prepaid-credit-cards/25607/
KAIKU® Visa® Prepaid Card Reviews
Share your insights and review the KAIKU® Visa® Prepaid Card.
NEVER GET THE KAIKU CARD IF YOU EXPECT TO LOAD IT FROM PAYPAL!… show more
Latest monstrosity:
1) Mail customer new card for current card that will soon expire.
a) Cancel current card on day you mail new card even though old card doesn't expire for 2 weeks.
b) Mail new card in oversized envelope of the type used for birthday cards.
Make literature enclosed brightly colored and flashy like junk mail.
C) enclosed card looks nothing like old card and lacks raised numbers like all other legit cards.
In other words, make the new card and it's packaging look the same as the thousands of pieces of junk mail the card holder gets every year. As a result, new card gets shredded with the rest of the junk mail.
D) Decline all charges made by cardholder since the now shredded card was placed in the mail even though old card is valid until the end of the month.
2) Irate cardholder calls to find out why charges are being declined even though there is plenty of $ in account . Inform cardholder that new card was mailed and then try to blame cardholder for canceling old card by calling CS and inadvertently activating now shredded new card. This ignores the fact that call was made BECAUSE OF the declined charges.
3) Mail cardholder yet another card in the same silly packaging. This time flag the entire account and routing numbers as "inactive".
a) Cardholder calls to activate card. Card holder informed card is already activated.
b) NOW DECLINE CARDHOLDERS DEPOSITS! Cardholder gets 2 messages from their local, primary bank that 2 deposits to Kaiku card have been refused because account is "closed or sold".
c) Call CS again and talk to useless woman named Shey who can't give you anymore information about your account that you didn't know already from looking at your account online.
d) Shey tries to pass the buck to online customer service that can only be reached via email. Inform Shey that you demand to speak to supervisor and that you plan to contact the CFPB (again).
e ) Supervisor can see declined deposits and informs you that for some reason your account and routing #s are marked "inactive". Supervisor claims she's reactivated your account and routing numbers (ha!).
So we are now coming up on FIVE WEEKS of not being able to use this card simply because of my old card's expiration.
I have 2 other bank accounts and 6 other credit cards. Never, ever have I had a single problem with those accounts when the cards expired or the bank was bought by another. If I were crazy enough to rely solely on Kaiku for all my financial needs I'd be homeless and have a credit rating of 350.
This card is great when its working but getting it up and running is a nightmare. It's like a bunch of dope smokers decided to open a financial institution.… show more
If you're having a problem with your Kaiku Card, your account, Direct Deposit, or anything else, please email [email protected] and our help team will respond ASAP (usually within 24 hours, or by Monday if it's a weekend).
Additionally, we've recently changed our maintenance fee policy -- now, we'll waive your $3/mo fee when you load $750 (or more) via any method, not just Direct Deposit!
Thanks y'all.… show more
I opened an account with kaiku to receive my income tax return. my money was deposited I activated it and used my card and when attempting to take all my money off kaiku locked my card. When I called them they told me they needed me to verify my identity and they asked me to send them my ID, social, 1099 and a bill. I sent them all the required information over 30 times via fax and email kaiku claimed that my ID wasn't clear They claimed that they didn't get the last bill.. I asked them what other information would they be willing to take to verify me or can I answer some credit security questions and kaiku told me there is no other way they could release it it's been weeks and they will not release my money. I asked them to return it to the IRS or send me my money in a check then a week later after contacting better business bureau they unlocked my account now they said wait for a new card it has been two weeks still no card I called and asked where the card is and now the account is locked again and now they are claiming that they will mail a check. And claimed the request to mail a check was two days ago. But my money still shows it's in a closed account and has yet to be sent ....I warn everyone do not I say do not make any attempts to do business with kaiku card they are a scaming people and defrauding everyone. There risk services department isn't even in the building it's in another state from the actual bank there customer service is in a third stage different from the other two each department is in a different place. The supervisor can't even reach any department in there business through phone everything is done through an email which takes 2-5 days for a reply if any reply at all. You will get the rub around. This place is just as bad as the achieve card… show more
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: December 30th, 2019 at 14:02
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Dec 30th, 2019 at 14:02 ET