PayPal Prepaid Mastercard® Reviews: Is It Worth It? (2025)Reviews, rates, fees, and customer service info for The PayPal Prepaid Mastercard®. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about the PayPal Prepaid Mastercard® has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
%Terms47Reviews30FAQContact
Card TermsKey FeesFAQUser Reviews
KEY TERMS
Usage Fees
Activation Fee: None
Monthly Fee: $4.95
Signature Transaction Fee: Free
Pin Transaction Fee: Free
ATM Fees
In Network ATM Transaction Fee: $0
ATM Network Size : 40000 ATMs
Out of Network ATM Transaction Fee: $3.00
Foreign ATM Transaction Fee: 4.0%
PayPal Prepaid Mastercard®'s Additional Info
Move money from your PayPal account to fund your prepaid card account.
Earn cash back and personalized offers, just for using your card.
With Direct Deposit, you can get paid faster than a paper check.
Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Can't find what you are looking for? Submit your question about PayPal Prepaid Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
There are several ways that you can add money to your PayPal Prepaid Mastercard®, depending on your preferences and convenience. Choose between direct deposit, bank transfers, and cash deposits. Here's a breakdown of the options:
Direct Deposit: You can have your paycheck or government benefits directly deposited to your card account.
Banks and PayPal Transfers: You can add money via electronic bank transfer and make instantly transfers from your PayPal account to your card.
Load Cash or Checks: Add cash or checks at any of the more than 130,000 NetSpend Reload Network locations (fees may apply).
Before you proceed, ensure your card is activated and linked to your PayPal account. Remember, some methods may incur fees, so check the terms and conditions for each option.
Online: If your PayPal Prepaid Mastercard® is linked with your PayPal Account, you may submit your request through the secure online Account Center.
Phone: Call (866) 753-6440, talk to a representative, and follow the prompts.
Keep in mind that you should withdraw the balance on your PayPal Prepaid Mastercard® before canceling it, or you can also request the remaining funds be sent to you via a...
You can't actually overdraft your PayPal prepaid card. However, the card offers a purchase cushion program that allows for overdraft transactions of up to $10 at the bank's discretion. To qualify for the program you must receive direct deposits on the card totaling at least $200 within 35 days of enrollment in the service, and continue to receive at least $100 in direct deposits every 30 days in order to remain enrolled. You'll also have...
If you lost your PayPal card, you can report it in your account. Go to your Summary page, click on the PayPal Cash Card, and then on Manage my card. Then click Report card lost or stolen, and follow the instructions. Your card will be closed, and a replacement will be issued.
You can also report the card lost in the app. Simply go to Settings, click on PayPal Cash Card, then on Report your...
You can link your bank account to your PayPal card by logging in to your online account. You will need to enter your bank account's routing number and account number.
PayPal My Cash is a card that you can buy to load money to your PayPal account. My Cash Cards for $20 to $500 can be purchased at participating retailers, which you can find listed here: https://www.paypal-cash.com/where_to_buy.html.
Share your insights and review for the PayPal Prepaid Mastercard®
5
36%
4
30%
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17%
2
13%
1
4%
3.8
47 reviews
47 reviews
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WalletHub @WalletHub
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2 Star Rating
editor's review
The PayPal Prepaid MasterCard’s negatives unfortunately far outweigh its positive attributes for most use cases. First and foremost are its $4.95 monthly fee and $1.95 ATM withdrawal fee, which promise to make the account quite expensive to maintain, especially if you often need cash. And to add insult to injury, if your card is ever lost or stolen, you’ll have to pay $5.95 for a replacement.
One of the only times this card would make sense is if you’re very popular and don’t mind saddling your friends and family with a mediocre prepaid card. You will receive $5 for each person you refer who opens an account and loads at least $10. That person will get $5, too, but few of us are situated for this sort of prepaid-card Ponzi scheme.
For more information on this offer, you can check out our full PayPal Prepaid MasterCard review: http://wallethub.com/edu/paypal-prepaid-mastercard-review/25973/ .
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11
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amiotte161 @amiotte161
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1 Star Rating
Ordered a card with my name, never recieved it. They deactivated the temp card then want to charge me for a replacement. Then want $25 to expidite the shipping. With everything going on in the world money`s tight but they still want to take as much as they can from you.
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antoineruby575 @antoineruby575
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5 Star Rating
I like it too much but they don't matter what they say about walking around the house with the same kind of my life let go and let god the whole thing that dance with me pass the thing 3PM the same thing that he had to
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2
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jaydenyrobbie64 @jaydenyrobbie64
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1 Star Rating
DO NOT GET MIXED UP WITH PAY PAL. AFTER HAVING MY INTIAL CARD COMPROMISED I HAD TO ORDER A NEW CARD WHICH I NEVER RECEIVED, I HAD NO ACCESS TO MY MONEY FOR 20 DAYS MIND YOU I HAD DIRECT DEPOSIT. THEY OFFERED EXPEDITED SERVICE TO SEND YET ANOTHER CARD IN 1-2 BUSSINESS DAYS I GOT IT 7 DAYS LATER. THEY OFFER NO HELP TO THEIR CUSTOMERS TO ACCESS THEIR MONEY IN SITUATIONS LIKE THIS, YOU CAN TRANSFER MONEY TO ANYWHERE OUTSIDE THE US BUT CAN NOT TRANSFER MONEY ANYWHERE WITHIN THE US. THIS COMPANY IS WORTHLESS TO THE CONSUMER. MY ADVICE GO TO AN ACTUAL BANK THIS ONLINE BULLSHIT GIVES ZERO CONTROL OF YOUR MONEY. PAY PAL SUCKS BIG TIME i AM SURPRISED THEY ARE ALLOWED TO HANDLE PEOPLES MONEY. OH AND ALSO DURING THE TIME I HAD NO ACCESS TO MY MONEY THE STILL CHARGED ME THE 4.95 MONTHLY SERVICE FEE, YUP QUICK TO TAKE YOUR MONEY BUT NOT QUICK TO OFFER YOU ANY MORE HELP . STAY AWAY DO NOT DEAL WITH THESE VULTURES. I GAVE THEM A 1 CAUSE IT GIVES NO CHOICE TO PUT A BIG FAT 0.
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3
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Jill Neyland @jill.opus1
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5 Star Rating
Straigtforward, consistent service with very reasonable fees. Highly recommend. The money is available almost instantly with cash loads and there is always a convenient location nearby. I have tried other cards. This one is the best by far.
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2
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mary gavin @maryg_149
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2 Star Rating
PayPal Prepaid MasterCard Debit card is not run by PayPal, it is run by NetSpend. Having had a bad, fraudulent experience with NetSpend and closed my account with them, I was looking for an alternative and signed up for this, not knowing that it is really a NetSpend account with a different name. I used it temporarily while I set up something else and as soon as the stuff I bought on Amazon to use up the funds on this card goes through, I am going to cancel it. BTW it uses the same off shore customer service as NetSpend, they just say "PayPal Prepaid etc" when they answer the phone. Their English is not good, and some of the information they give is inaccurate.
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Mike Carter @mikec_14
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5 Star Rating
paypal prepaid MasterCard is a great card to use to shop online.I like to use it to shop online at many different store.It is easy to use and also you can get credit on your card.You can pay for your item you want to but with your paypal card and the pay back the laon that paypal loaned you to pay for the purchase.All you have to do it load you card up at a cvs store to put money on..it is a great card to you and i highly recommend it
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Rock Cha @rockc2
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5 Star Rating
My son was taking his first trip away, and I did not want to give him my credit card. I wanted to limit what he could spend and teach him about budgeting and also monitor his purchases online. I wanted to use a reputable company and decided on using a PayPal PrePaid card, which I purchased and funded at a local Walgreens. I registered the card online and at first ran into an issue from having an old card. I called customer service and they resolved the issue immediately. Overall I was extremely happy with my purchase.
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2
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k P @kelli
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5 Star Rating
I work freelance and get paid through PayPal, so the prepaid PayPal card is awesome! I don't have to wait 3-5 days to transfer money from my PayPal account to my separate bank account - I have access to it directly and immediately.
PayPal makes everything easy and hassle-free. I love how everything is done online and have never been somewhere that wouldn't/couldn't take Mastercard. I highly recommend it.
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5
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Mandy Brown @MandyBrown01
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5 Star Rating
I have a Paypal Prepaid Debit card for about 9 months now and I really like it. I use it everyday. I get paid through Paypal and it's so easy so transfer the money to your Debit Card. You have instant access to the money. I also like the feature that your card doesn't get declined when you're in a store and the amount you have to pay is a little more than what you have on your card. It doesn't get declined for a few dollars.
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