KAIKU® Visa® Prepaid Card

the service itself was alright- though i won't miss the taxi and eating out surcharges. the card itself was FLIMSY as hell, and really cheaply made, so i had to constantly replace it. Kaiku thought I was committing fraud, so they shut down my account.

Horrible customer service! Kaiku regularly placed holdss holds on my monthly direct deposits claiming fraudulent activity each month (I was able to verify every "questionable" transaction each time) despite 18 months of consistent spending patterns, of receiving my once monthly paycheck via direct deposit and then spending the entire balance within 5 days to pay rent and bills. Then, out of the blue, they sent me a letter with no explanation, notifying me that my account was terminated- and I never did anything wrong- I only deposited my monthly paycheck and then payed all of my bills from my card. NOTHING on my account even appears fraudulent- it consists of utility payments, cash withdrawal for rent and gasoline, and insurance and car payments, so I don't understand why they consider it questionable activity. Good riddance Kaiku- thanks for all the hassle every month- you did me a favor by closing my account now that I see the enormous amount of consumer complaints on many websites. It is obvious now that customer satisfaction is not your game.

Awesome prepaid card but sadly, I just received a email today 04/20/17 saying that kaiku will be discontinued its card on June 7th 2017 and no longer accepting any deposits.

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

Haven't had this card very long and as soon as I can, never will use again. I have more limitations with this card than my bank and at least with the bank I have somewhere to go rather than customer service telling you to send an email to Kaiku because they can't help. Denied gas although there was plenty of available funds. Have attempted to make payments on accounts but they are being declined. Not happy at all

It was hard for me to decide on this card based on the reviews. But our reason for having this card is completely different then everyone elses. We got this card for my step dad to carry with him throughout the week to use for small purchases (coffee, lunch, etc). He rides the bus to and from work every day since he can't drive due to epilepsy and we worry that he will lose his debit card/credit card(it's happened a few times before) or forget it on the bus. So if someone else was to get a hold of his card we don't want a lot of money on it. We don't plan on using direct deposit at all. Someones review said they were not able to set up pay pal. It's a user error for sure. I set up pay pal yesterday on my step dads Pay pal account. SUPER EASY. you just have to make sure you follow the directions! You will have to log into your Kaiku app and confirm pay pal sent you a "test deposit" then you log into pay pal and key in the "test deposit" funds they sent you. If you do NOT do that within the time frame they will cancel your set up. So far we have had no issues with the set up. Side note, you cannot set it up using the actual card #, you will see a routing/account # on the website for your card, and thats what you use for pay pal to set up your account. I also transferred funds from my pay pal to his card today and it's currently pending 3-5 days which is okay but that's whats expected. We have a ton of visa ready link locations around us for a quick immediate deposit if we needed it. For someone like this ... where you are only using it for incidental purchases throughout the week...get this card. I can't speak for anyone else who is having issues with there direct deposits. At my Previous job I worked in Finance and we never accepted prepaid debit cards to have direct deposits sent to because of the issues stated below. Again most of the time the user of the card does not read all of the rules associated with direct deposit and a pre-paid card and how long it can take to be "available" which seems to be many peoples issues. Hopefully this review helps someone decide if they want to get this card or not. I have also not had to reach out to customer support for anything yet...so I can't speak for that.

Ive had tgis card almost a year and cant wait to cut it in half! The world's WORST CUSTOMER SERVICE ON EARTH!!! All the reps are ghetto i literally HATE calling i rather call India at least they attempt to help you. I cant wait to close this crap card! Im suprised the reps can even type. I cant login to the website which is THE ONLY way i choose to deal with them. now im locked out (internal error) so im forced to cal laquandesha again and they tell me to go to kaiku.com ???????? Dude I CANT LOGIN. Direct deposit is ALWAYS late dealing with literally any issue is a headach! Im so done.

card rides the tip. I like it cause its purple.

This card SUCKS I pump gas and pay at the pump and it put a hold on my money first hold for $99, second hold for $75 I am still have yet to receive the money, customer service said "next time you pay at the pump" well I know that now that you are holding my money hostage. Sorry strongly NOT recommend this card.

I would give this card ZERO stars if I had the option. This card does not work with PAYPAL. I repeat, this card does not work with PAYPAL. It is a lie. I purposely picked this card so that I could load money on it from the states with Paypal for my son to use it while he was in Germany. Total BS. Paypal has never heard of this pre-paid debit card and after I jumped through all of PayPlas hoops to verify the account and waiting over a week for confirmations...paypal says "nope sorry" we can't load money onto this card!!!! NEVER GET THE KAIKU CARD IF YOU EXPECT TO LOAD IT FROM PAYPAL!

Horrible customer service, I have never had the opportunity to become a customer. I simply asked a few questions and they completely ignored it, don't waste your time with them.

I love how it doesn't charge you a lot when you use it at the atm

They don't make it very clear that you can't spend more than $500 cash a day so if you got $4,500 in your bank account they don't care you can't spend more than $500 cash a day you can't retrieve more than $500 a day so basically doesn't matter what you need even if you talk to a supervisor there's nothing they can do to override that it's $500 a day so for me big mistake bad customer service!

If I could give them 0 stars I would. I have had this card for four months and have been a victim of identity theft every month that I've had the card. The first time it was for 17 dollars, no big deal it seemed to me as if it was refunded immediately. Got a new card 2 weeks later (couldn't touch the rest of my funds during this time period) So I was without for several weeks pending the arrival of my new card. The next time was a month later Jan 30 2016, this fraudulent transaction was for 228 dollars and some change. I filled out a dispute form and had to 2 whole weeks for my new card ( not able to use my funds at this time) My new card arrived Feb 13, 2016, the 228 was debited to my account the following week on the 18th. Wouldn't you know it a week later Feb 26, 2016 fraudulent charges on my account again. This time 4 transactions totaling 65 dollars. These charges sat on my account for a whole week and I was never notified nor was the account suspended or put on hold. I should mention that my pin number was used to make these transactions... What made me notice these charges was because a week later my account was put on hold for a fraudulent transaction totaling 2,000! On my brand new card mind you. Every fraudulent transaction on my account was posted from a retail store in California, where this company is located. Seems as if someone working for this company is selling my info to people as soon as my card leaves the printing area. How else would someone using my card clear across the country from where I live could get my pin code to make purchases. The purchase that totaled 2,000 I called the merchant and the criminal had a duplicated card with all my info on it because I had my card in my possession the entire time he was in CA using it. How could he possibly have obtained this card except from someone who works for them. I've contacted the BBB in Cali and Kentucky. They are crooks and need to be investigated.

Job says theu transferred funds to my account on Wednesday, Monday now and still no deposit... Someone help!! Whats going on? Am I waiting for the 5th business day??? TUESDAY?? Where are my funds

Have been waiting for my direct deposit for 2 days now! This is some true bs! They tell me give 1-5 days to process! Never heard this from any bank nor prepaid card! If your check is scheduled to go in wedneaday then i want my check on Wednesday! I would give this card a 0 if i could!

Kaiku might be a cheap card but that could be because they hold your direct deposit for an extra 30 hours. According to their cardholder agreement they post direct deposits when transmitted from the sending bank. This is not the case. I have my direct deposit going to two different banks, Kaiku and another. The other bank my direct deposit shows up between 12:01am and 1:00am on THURSDAY morning, with Kaiku it shows up between 5:00am and 7:00am FRIDAY morning. How is it that the sending bank is consistently sending my pay 30 hours later to Kaiku? When Kaiku wasn't the second bank I deposited money to both deposits arrived within an hour or two of each other.

I have been a Kaiku user for several years and have never had any issues with the card, customer service, fees, or any of the other issues that come with prepaid card. Who can resist a surcharge FREE ATM? Not to mention, the LOW monthly fees compared to all those other prepaid cards out there. I use my Direct Deposit with this card and never had an issue with loading of money.

Absolutely terrible! I received my card in the mail last week and could not activate it because my account is on hold due to a foreign login in which I'm pretty sure was MY computer. I just got the card and can't even use it unbelievable! The worst part of all is that you cannot speak to a customer service rep, they make you email them. Since my card is not activated I cannot use the phone number I absolutely hate this and I feel that I am being robbed. I can't get in touch with them meanwhile I have a check sitting there. Seems pretty convenient for them.

I just had my social security deposited on this card. Now there are 2 charges on there which I did not authorize. The 2 companies say they didn't submit the changes. Kaiku says they can't give me My money back for 2 weeks. They will not be getting my money next month. I have never had this problem with any other card and I can't afford it.

loaded 500 dollars 5 minutes apart. got a receipt for both transactions but only 500 dollars got loaded on my card . Customer service just told me to wait and said there was nothing they could do even though I had my receipt. I am getting a lawyer and filing a police report. I am not getting 500 dollars stolen from me. This was my very first attempt at loading/using the card. There is no reason this should happen. It is brazen robbery.

Worst customer service that I have ever spoken to. They could not help me, or at least they would not help me, when I loaded $300 onto my card from one of the machines that their website sent me to, and the money never went on my card. I suggest going elsewhere with your business.

The Kaiku Prepaid Visa is a pretty standard prepaid card. Obtaining the card is quick and easy. There is a monthly fee of $3 which is typical, but if you deposit $750+/month into the account, that fee is waived. One awesome benefit for this card is that there are lots of ATMs that you can use with no charge. There are multiple ways to deposit money. Card comes in several color choices, so that's fun. I haven't had to deal with customer service yet, so I can't speak directly on that matter. So far, no complaints!

I like this card for no activation fee and also transaction fee. Only 3$ per month for the use network ATM. MOBILE CHECK LOADING,FUNDS-OMETER,SIX EYE- CATCHING COLORS are the main advantages. The card can be designed in your own style as per our interest.Nice one as compare to other.

My husband and I have had these cards for over a year with very little problems. Yesterday, we used the rapid reload station at Walmart because we wanted to do our Christmas shopping online. My husband put $500 on it (because that is the max that you can load at one time) then 2 minutes later we put another $300 on it so that we could get all of our shopping done. Our receipt was printed, and it stated that the funds had been loaded. Kaiku has no record of this and Walmart says it is not their problem because our receipt says that is has been loaded. Kaiku's AWFUL customer service wont even look up our reference number on our receipt. So basically our $300 has vanished into thin air and nobody will help us whatsoever. Merry Christmas to our children....I will be sure to send their letters from santa to you so maybe you can explain why their Christmas was ruined. Walmart Will be getting the same email, as in my eyes, you are both crooks. Hope your families have a nice Christmas on my families dollar (or $300 i should say)

My direct deposit would have shown up by now on my AmEx Serve card! I can see where my employer submitted it but it is almost 9am and nothing is on my card yet! Why why why?

I just lost my license and cant get a check cash right away. I am so happy that with Kaiku card, im able to deposit it into my account and it cleared in 5 mins! This saves me so much time and energy trying to find somewhere that will cash it. This is a great card to use, definitely recommend!

I have had kaiku card for a few months they have been very helpful when I needed to get a replacement card due to fraud on my account. Thank you to kaiku card for the very very low fees. It makes it easy to budget for the month on a small income.

They have the WORST customer service. They refuse to help you, and when you ask for a supervisor, they put you on hold for 20 minutes, just to tell you that no one is available. Then, they have the NERVE to ask "Is there anything else I can help you with today?" And I'm like, you didn't help me with the first thing! Do NOT get this card, it's nothing but a headache.

Do you get paid two early with the Kaiku prepaid card because my pay days are on Fridays but i normally get my check on Wednesday at 10:30pm.Will the Kaiku do this?

Kaiku visa prepaid card is just like any other prepaid card because it has a monthly fee and ATM transaction fee. I like that it is a visa card because it can be used at most department stores. I like the color and design of the card. I have never heard of Kaiku before. Unlike the Rush card it is not advertised much. Mobile check loading is convenient and nice.

Great card, AWFUL,AWFUL service. I have had this card for 3 years. They cannot send me a new card w/o a major snafu. They were bought by Bankcorp and it took more than 6 weeks for them to add funds to my card during that transition. I had to file a complaint with the CFPB to fix that mess. 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.

Hi folks, Team Kaiku here! Yes, our rating is a bit biased ;-) but we just wanted to thank all of you for your honest feedback in your reviews and let you know that we're hear to listen! If you're having a problem with your Kaiku Card, your account, Direct Deposit, or anything else, please email customerser[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.

The customer service sucks...90 days a dispute a charge, plus i have to fill out a form and mail it back...in 90 days i won't CARE...actually i don't care about this card anymore....hows that kaiku...the customer service agent was horrid and the supervisor...was so blasé.

DON'T DO IT!!!!! This card is the biggest pain in the ass i have ever dealt with. The only way to load cash on it is by MoneyGram, which was NOT stated on their website. I was more than happy to tell them what they can do with their card. I'll stick with Bluebird, even if some places don't take American Express.

The KAIKU Visa Prepaid Card is one of the best cards out right now and it has so many perks they have many convenient arms locations and they also you can deposit a check to your account by taking a photo. All in all this is a must have prepaid card.

My first direct deposit with this company is not going well. It is 5am and they have not posted my funds to card. Part of the convenience of having direct deposit is not having to wait for paper checks, etc. Called customer service and they can't tell me anything. Last card posted funds before 1am and two days early. Not pleased so far...

Is the monthly service fee charged even if the card is not used for a month? And does the fee start at the moment of activation?

The Kaiku Prepaid Visa is similar to most prepaid credit cards. The card has a monthly fee of three dollars which is typical. One of the benefits for this card is that there are many ATMs you can use with no charge. You can take a picture of a check to deposit it that is convenient. You get to choose from many colors which gives your card a more personal feel. If you do have to use an ATM their ATM fee is not as much as some cards charge. I have had many prepaid credit cards, and this card is one of the best.

Kaiku stole 25.00 from me. I have called them multiple times about this issue and no one wants to take ownership.