How to Add Money to Prepaid Cards

A woman types on her laptop while holding a credit card.
Image Credit: Jupiterimages, Brand X Pictures/Stockbyte/Getty Images

Prepaid card issuers get paid every time you make a purchase, so it's in their interests to make sure you can reload with as little hassle as possible. As such, they provide plenty of quick and easy methods of transferring funds. Some of these are free, while others carry a fee.

Reload Location

Prepaid card issuers typically work with a network of retailers that offer reload services. If you want to load money onto your card, check out your card issuer's website to find a reload location close to you. At these locations, you can add cash to your card or use another card to reload money onto it. The money you load will either go straight onto your card, or you'll be handed a reload voucher. This will contain a code that you'll be able to use to add money to your card. You'll typically need to log into your prepaid card account online to use the code to get funds onto your card.

Checking Account Transfer

If you use Internet banking to manage your checking account, you can log into your bank's online services and make a funds transfer to your prepaid card. You can also initiate a transfer by calling your bank's customer service line, or by visiting one of its branches. You'll need your prepaid card issuer's routing number and account number, along with the 16-digit number on the front of your prepaid card. If you want to avoid the hassle of repeatedly reloading your card, contact your prepaid card issuer and set up a direct deposit from your checking account.


Many prepaid debit card issuers let customers add funds online. Either log into your account via your card issuer's website, or use its mobile device app. You'll be able to add funds using another debit or credit card. Some card issuers allow their customers to load checks via their smartphones or tablet computers. To do this, you'll need to take a picture of the check you want to load and send it to your card issuer.

Internet Transaction Services

Add funds to your prepaid debit card using online transaction services such as PayPal, Google Wallet and Skrill. The method for doing so will vary depending on which service you're using. Check out your online transaction service's website for instructions on how to link to your prepaid debit card.


You can have your wages or any payments you receive from the government paid directly onto your prepaid debit card. In most cases, you'll simply need to provide the person or organization paying you with your card issuer's routing number and account number, along with your card number as a reference.


Prepaid card issuers or their agents often charge a fee to load money onto cards. You'll typically be hit with a charge if you reload at a physical location or use a credit card to add funds to your account. Direct deposit transfers are usually free. Prepaid card issuers use different fee structures, so check the terms and conditions or your card issuer's website to find out how much you'll have to pay.

references & resources