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Walmart MoneyCard—Prepaid Visa Debit Card

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The Walmart MoneyCard.

The Walmart MoneyCard.

Walmart Visa Debit Card

The Walmart MoneyCard is simply a prepaid debit card. You can choose between a card backed by Visa or MasterCard. Depending on your decision, you will be able to use your MoneyCard anywhere that company is taken. This is my review of the MoneyCard. If you shop at WalMart like most people do, you can find the prepaid card at most registers and the customer service desk.

How the MoneyCard Works: A Quick Overview

Again, the MoneyCard works like any debit card—but you don't need to have a bank account.

There are four types of MoneyCards: Basic, Plus, Specialty, and Preferred. You can get the Basic card for free by ordering it online; otherwise, expect to pay between $1.88 and $4 for the card.

Other fees include:

  • $3 a month for a service fee.
    For a Basic account, you cannot waive this monthly fee.
    For Plus and Specialty accounts, this fee can be waived if you deposit at least $1,000 a month onto the card.
    For Preferred accounts, this fee can be waived if you deposit at least $500 a month onto the card.
  • $3 per loading (every time you put more money on the card at a Walmart store).
    The only way you can avoid this fee is by creating a Preferred account. This means you have to pay $4 for the card—as you can see, after adding money to your card twice, this pays for itself.
  • Fees for ATMs other than those owned by Walmart (which can only be found within Walmart stores). Walmart will charge a $2 fee for the use of any non-Walmart ATM on top of that ATM's fee. Even a balance inquiry at a non-Walmart ATM will cost $1.

When you buy the card in the store, you will receive a temporary card in the store and can load between $20 and $50 dollars on it as your initial balance. You will then need to activate it by calling 1-800-532-0936 or by going to before you can use it or receive your permanent card. I suggest activating it online, because you can create an account, which will allow you to set up free email and cell phone alerts for balances and fees. If you set up your card for your son or daughter (you can get a second card for your account for a relative or significant other), an account has the additional benefit of being able to monitor their expenditures.

Make sure you do not lose your receipt for your card. It has your activation code, and you will need that to activate your temporary card and to get a permanent one. Once you have activated your card with all of your information, you will get your new card or cards sent to your address within in two weeks.

The Benefits of a Walmart MoneyCard

The two benefits of a Walmart MoneyCard are that you can use them online and anywhere Visa or MasterCard (depending on which you choose) is used.

That being said, a debit card from a regular bank has all of the safety of a Walmart MoneyCard without the fees—and many credit unions either have more ATMs or will pay for your ATM fees.

Also, neither a MoneyCard nor a debit card can be used to build credit or rebuild bad credit. At best, it will have no effect on your credit score.

Lastly, both debit cards and credit cards often have better rewards programs than Walmart's. I recommend shopping around. If you do not shop at Walmart, you might consider getting another prepaid debit card that will give you more benefits like AccountNow, where you get $25 dollars with your Direct Deposit and $20 for referring friends. Or you can consider a Russell Simmons card that has benefits like Bill Pay, Prescription Drug Discount Card, and other good benefits.

While there are lots of good prepaid debit cards out in the market, I only recommend considering one of these cards if you have lost your bank account or cannot get a real debit or credit card.

Overall, I believe that the WalMart MoneyCard is a good deal for someone with bad credit. Anybody of age can get one of these cards and will not have to worry about spending more money than he or she has, because you can only spend what you have on the card. You will avoid the hefty overdraft fees, and this card may help you get back on track spending only what you can afford.

How to Activate Your MoneyCard

How to activate your MoneyCard.

How to activate your MoneyCard.

Walmart MoneyCard Activation Number and Site

Activation number: 1-800-532-0936
Activation site (recommended):

What you will need to activate your card:

  • The receipt
  • Your address
  • Your date of birth
  • Your social security number

Once you have activated your card, the site will ask you if you want a second card for an additional $3. If you choose this option, the money will be taken out of your initial deposit, so I recommend to do this only if you are sharing the card with someone else, such as a significant other or child. Once you have completed your activation on your temporary card you will have to wait one or two weeks for you permanent card, which you will have to activate as well. Your account will then be automatically transferred to the permanent account number.

How to Add Money to Your Walmart MoneyCard

You can add cash to your MoneyCard account at a Walmart register.

You can add cash to your MoneyCard account at a Walmart register.

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There are four different ways to add money to your new Walmart Card. I will explain each way to help you decide what is best for you.

1. With Cash at Walmart

At any participating Walmart store, you can add cash (anywhere from $20 to $1,100) to your MoneyCard account at the register. However, there is a $3 dollar fee to load your card. After loading your card, the money will be available to use instantly.

2. By Check at Walmart

You can load your government check or paycheck with no reload fee. This will save you $3 and any check cashing fees. The amount of the check must be between $20 and $1,500 dollars to be loaded. Also Walmart does check to verify that the check is good before cashing the check. This service is not available in CT, NJ, NY, RI.

3. Direct Deposit

You can also enroll in their direct deposit program and load you paycheck directly onto your card. This is another excellent option if you do not want fees for loading money into your account. You can find your account information on the website or at the 1-800 number. Once you have this info, give it to your payroll department, and they should be able to arrange for direct deposit.

4. With an Online Bank Transfer

Another way to add money to your card with no reload fees is to add money online from a bank, credit union, or other financial institution through an electronic money transfer. You can enjoy the convenience of reloading your card from work or home.

Highest WalMart Money Card fee is $2

What Are Posted and Pending Transactions?

A pending transaction is when you have authorized a purchase, but the final amount may not have been finalized. This money is on "hold" until the transaction is completed, which means that you cannot spend the money elsewhere. Many services that may involve additional charges (for example, hotels may charge additional fees for room service or missing towels, restaurants may charge the tip you have authorized, and car rentals may charge for damage) will put a hold on more money than you will actually spend.

A posted transaction is a transaction that has been finalized. Once a pending transaction is completed, the final amount will be deducted or credited to your account balance, and the status of your transaction will change from "pending" to "posted" on your statement history.

Special Transactions You Should Know about Before You Shop

Walmart MoneyCards may be difficult to use at gas stations.

Walmart MoneyCards may be difficult to use at gas stations.

Now your card is ready to use. Take warning: There are several types of transactions (see list below) which can put more funds than you actually spend on hold until the transaction is completed and closed out.

1. Gas Stations

When you use the credit function at the pump, you may cause an up to four-day hold of at least $35. This is because you swipe and authorize your card before pumping.

To avoid this and only charge the exact amount you pump, choose the debit function at the pump and use your 4 digit PIN. Better yet, I suggest going inside and pre-paying the attendant or cashier for the exact amount you would like to pump.

Be careful about remembering this, or you might try to spend money that you have to find it on hold.

2. Restaurants

When you eat (or drink) anywhere that usually requires a tip, the amount of your bill may be held for up to four days before the actual transaction is posted to your card. Make sure you have enough funds to cover any added tip. Usually I have had no problems with this, but you do need to be careful. Check your funds online to see if added funds are being held.

4. Hotels

A "hold" of your estimated bill may be placed on your card when you check into a hotel, making that amount unavailable for other purchases. When you check out, the hold may take up to 10 days before it is removed. I did have this happen to me—the hotel held 100 dollars from my card—and I had to wait four days after I checked out for my money to be released. If you need it released earlier, you may be able to call the hotel's customer service.

5. Auto Rentals

You may use your card for final payment for a rental car bill. However, depending on the rental car company, a credit card may be necessary to reserve the rental. If you do reserve a car with a debit card, you may have a significant amount of money held for 60 days. Once, when I rented a car, the company held $300 dollars in my account, and it took a few days after returning the vehicles for the amount to be released.

6. Returning purchases

Store return policies may vary. You may receive a credit to your card, cash refund, or even store credit, depending on the particular store. A credit to your card may take up to 10 days to process before it's available for use. I have not returned any items using my card, so I have no extra tips for you here.

Student Edition Walmart MoneyCard

There is a special Walmart MoneyCard for students.

There is a special Walmart MoneyCard for students.

If you have a student in school, you can purchase the Student Edition Walmart MoneyCard. How this works is that you get another card linked to your account that your student can use. This is really no different than the previously mentioned option for a second card, and the fees are the same (you will be charged $3).

The benefit of a second card is that you can monitor you kid's spending, and you can add money to student's debit card anytime you add money to your own. See the fees below before you decide to purchase the Student Edition of the Walmart MoneyCard.

Walmart MoneyCard Fees

Make sure you check out the fees involved in getting a Walmart MoneyCard before you get one. Below is a list of fees associated with the card drawn from Walmart's website:

Fees. We will charge the fees listed below for your Walmart MoneyCard. We can change the fees as described in section 21 below.

Standard Fees One-time Temporary Card Issuance Fee at Walmart Store - Standard Walmart MoneyCard $3.00 - Student Edition Walmart MoneyCard $6.00 Reload Personalized Card at Walmart (No Check Cashing) $3.00 Reload Personalized Card at Walmart (Check Cashing) $0.00 Reload Personalized Card at Green Dot Varies by Retailer Location (other than Walmart store) Additional Personalized Card Fee - Standard Walmart MoneyCard $3.00 - Student Edition Walmart MoneyCard $0.00

Standard Fees - ATM Cash Transaction - Domestic $2.00 ATM Cash Transaction - International $2.00 ATM Balance Inquiry $1.00 POS Cash Back $0.00 Walmart POS Balance Inquiry $0.00 IVR (Automatic Telephone System) Balance Inquiry $0.00 Monthly Maintenance Fee $3.00 Operator Assisted Call $0.00 Teller Cash Transaction $2.00

Standard Fees Lost/Stolen Replacement Personalized Card $3.00 PIN Debit Purchase $0.00 Signature Debit Purchase $0.00 Stop Payment Order Fee (see section 7) $0.00 Negative Balance Fee $0.00 Rush Delivery of Personalized Card $20.00 Foreign Transactions (see section 19) 2%

When you use an ATM not owned by Walmart, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transaction).

Walmart MoneyCard Review by Trevor Grijalva

Email and Text Alerts

The MoneyCard comes with the free ability to check your balance through text and email alerts. This is a service offered by many debit cards, so if you decide to go with a different, ask about similar options.

You can set up your alerts to send you a message:

  • When your balance falls below a certain amount
  • Every day or week
  • Whenever money is deposited in your account

Below is an example of one of these alerts (one that I actually received):

Dear Customer

A direct deposit of $385.43 was received on 10/28 . Thank you for using Walmart MoneyCard.

You can also check your balance anytime via text. Text BAL and the last 4 digits of your card to 96411 (WM411) and you will get a text back with your balance.

Rush Card vs. MoneyCard Monthly Plans

FeesRushCard MoneyCard 

Issuance Fee



ATM Withdrawal

Two free each calendar month. $2.50 for each ATM withdrawal after that.


Monthly Fee



ATM Balance Inquiry Fee



Convenience Fee

Use Your PIN: $1.00 Without PIN: FREE


Lost/Stolen Replacement Personalized Card



Reload Fee



Foreign Transactions



Walmart MoneyCard Support Information

If you have questions or you have had your card lost or stolen, you would need to contact support ASAP.

* For cardholder customer service, call 1-877-937-4098

* To report a lost or stolen card, call 1-877-937-4098

Walmart MoneyCard Customer Testimonials

Rush Card vs Walmart Money Card

What Has Been Your Experience with the Walmart MoneyCard or Any Prepaid Debit Card? Which One Do You Suggest?

Pamela Haywood on October 02, 2020:

I need to print debit card deposits immediately. I trying to apply for an apartment I need deposit amounts immediately.

Marcy Bialeschki from Cerro Gordo, IL on April 22, 2020:

I actually use a similar card from American Express, but I reload it at Walmart for free. I love it. I use it for online shopping. I am paranoid about someone getting my card number. Mine has no fees whatsoever except the $5 I paid for the card and an ATM fee if I go outside the designated area. Well written article. Good job!

Mary Davis on November 11, 2018:

I lost my card and the system won’t let me order another because my birthday is wrong. Help

Deborah Jackson on August 16, 2017:

Unable to find walmart card

Debbie Bronson on March 04, 2016:

I am in the process of selling my sewing crafts and was wondering how you would have someone in another area add funds to the card using pay pal services? Or any other way for that matter. I have orders out of state and they need to know how to make payment....

Victoria Criswell on January 05, 2016:

I added $20 to my card earlier this evening a nd i went to use my card online and

When i sent it thru it was declined it has worked fine till now and this is the second time i have put money on a card at walmart and same nigh it was declined (on both cards)That is a a total of &$40 i cpuld not afford to lose.What do i need to do is to get my money back???,Thank you _

Gayle on August 15, 2015:

Can this card be cancelled after you use all the money on it?

Amanda on July 29, 2015:

I bought a walmartmoneycard like over a year and a half ago to buy things online never had a problem. Now all this time later, I want to buy something from a seller that doesn't accept paypal and I don't want to give my debit info so I found my old money card but when I logged onto my account it says my balance is -$6. Should I cancel the account and start a new one to avoid the fee or are they going to charge me the fee anyway once I reapply for a new card? I appreciate your time.

Brian on April 21, 2015:

Can I use the temporary card at a atm

ashley on January 30, 2015:

ashley is see

lori on January 25, 2015:

So to add funds to my sons pre-paid card I just purchase a moneypak card at a site and then add by using 800 number?

Christian on February 08, 2014:

I do not used the debit card since August last year, and today I try to use it, and was rejected, and the C, service said I used the card last time on februrary the third, is incredible some one is using my card and they do not asking for extra information, I decide to cancel and do not use it no more in my life.

mary on August 22, 2013:

I have had my Walmart prepaid visa for over a year and didn't have a problem until it's about to expire. I called customer service and got someone in the Phillipines and was transferred to someone in Asia. They said they don't have Walmarts in either country and could not tell me when I would get my new card. The customer service is of no help. These people CAN NOT answer simple questions.I tried contacting walmart corporal office and guess what no luck....Just need the new card because I have direct deposit set up and need my money....

Daniel Brown on May 19, 2013:

i just got my Walmart prepaid card i don't even think is been a week and well I don't even think its been a weekim at walmart now and it says my cards no good yet I call it and it says 1.55 left so they scan it again and mnothing, customer service the same thing sorry this card is inactive. Really wtf kind of crap is that and Walmart 24 hour hotline or customer line whatever its closed on Sundays its Bullshit I tell you bullshit

huskylvr on April 28, 2013:

I just purchased one of these cards and loaded it with $500 at the time of purchase. Went home and activated online. It showed my $500. I went back and loaded another $450 so that I would have a total of $950 on card to make a tv purchse. Now online it does not show my original $500, only a balance of $450 WTH! It is like 1am and I am bawling. I cant afford to lose $500

Terri Wright on February 02, 2013:

The walmart money card is ok but they are some sneaky SOB's. I went last week to cash my income tax refund check- 1,200- I wanted to deposit 700 in my debit card getting the remainder in cash. First I thought I saw a tv commerical that advertised they only charged 1 dollar to cash the income tax check, no they said they never do that. Ok, that's alright, so then the kid cashing it was flustered so he said I will cash the whole thing and then do the deposit after that cause I get nervous and its easier for me that way. No problem I was very young once using a register and I totally understand plus he was a nice kid, had some pimples but he was cool. So he cashes the check counts it out and the amount he counts back is 1194. He charged me 3 to cash it and 3 for me to deposit in my account at this point I hadn't deposited but hey, you cant fight them so I just rolled with it. Then he takes 703 to deposit in the account so I said oh, Zak- that's the kids name- you already charged me for the check cashing remember. He says no m'am I did nt because for any check over 1000 its another 3 dollars so it took me 9 bucks to cash a check and deposit my own money. OK SO THAT DID TICK ME OFF. I mean I know they are running a business but how greedy can you get?? I wait all year for this check. I plan way in advance on things I need all year long. I live on social security and the money is my rent back for what I pay all year. Its not that much money but it just upset me that they have their hands in your pockets. It stinks. I spend beau coupe money there and last year I got mad at them around xmas for their similar hijinks. Just beware.

shannon on January 23, 2013:

i want to know if this card can be loaded in canada and me use the other card here in the states this has been a prob for us please help?

Josh on September 17, 2012:

Normally Azri, I would agree with you, but I purchased a Walmart Moneycard on Saturday and decided to only put $20 on it, because i didn't want to loose much money and only needed it to pay for a small bill , before they sent my personalized one...And gee surprise, it says my money is in the account and yet everytime I try to use it, every transaction comes up DECLINED!!! And yet, when I attached the card to my Google Wallet to use later on, it had no problems running that $1 "auth" temp charge through, and I thought hell if it does this, maybe this time, it will allow me to use it. So I try to use it to purchase a $9.99 item and my account has $19 on it and it came up...DECLINED!!! So how can it allow a temp charge to go through, but not a purchase? And to sum it up even worse, it says the funds are "pending" and have been for over 72 hours now, but it still keeps allowing temp charges to go through verifying that the card is active. So wtf!?!?!? Walmart, really? Is your card really that much hassle? If I had known I was going to be dealing with this shit, I would have just got a prepaid debit card from f****ing Visa or Mastercard and not your piece of ****. Even if it is sponsored by Visa, at least "their's" decline every transaction like it's candy. Thank you and have a nice day. And while Walmart maybe a good place to get a debit card in your area, be careful, unless you want a ****load of hassle. In my mind, worst mistake I ever made. Would have been better off buying one at a conveince store than Walmart. And that is is sad.

Azri on September 14, 2012:

look, I've had regular CC's that charged around 21%. i've also had overdrafts on my checking account before..$35 a day. the $3 fee/addition of $$ is WAY less than the above 2 instances.

trust me, the prepaid walmart card is the better option. that's why i got it. it's either this card or cash for this kid from now on. so far so good.


kathy m on August 11, 2012:

I bought two cards the other day one for myself and for my husband. i called to get it activated on the phone and online but online it said it was activated . when i was doing it online it asked for the secruity code then got to the end of questions it said put your pin number in but it didn't show a box to put it in. So i tried to used my card it wouldn't work then my husband tried his card at a local store and it worked and then he went to use it again at the same store and it was denied. tried to talk to a rep but he said i didn't need a pin. so now im baffled by it cause this morning i tried to use my card and it asked for the pin number.....

Deborah Fuller on August 03, 2012:

I bought a card from the local walmart. when I tried to activate it I could only get it as a temporary card. I was told they cannot validate my address so they cannot send me a permanent card. I live in the middle of the village less than a mile from walmart so I don't understand why this a problem. When I tryed calling the person I talked to was not good with the english language so I did not get far. I will use up what money I haveon thecard and it will be the last time I buy one from walmart!

Digitalmanne on July 29, 2012:

Well, my card was frozen while on vacation.(I took this card so I was not caring cash) I called and they said it was because I was making ATM cash withdrawls. They said it was not intended for that. They reauthorized the account and gave me 30 days to use the money before the account is closed perminatly! So, I have $1900 on it, can't make cash withdrawls, and if I do not use it all I loose my money when the account is closed? No answer on that one!

faucett on June 28, 2012:

Ive had the card for over a year & I've loved it until now I noticed I had a hotel stay where lots of charges were pending & my actusl charge posted however, I called they said they would credit me the 296 & instead they credited me 138 & put me with a bal of $1 there were 3 transactions that totaled the amount some how I don't have the other balances that were pending credited & Im out 296, you cant oveedraw these cards, so why would I be out almost 300 i'm perplexed I don't think the card can handle the big direct deposits made to it, I actually feel ripped off, its very dad!

M Randall on April 19, 2012:

This is a bad card to have. Your money is held hostage and everything is 7-10 business days for answer. My family starved because I ask for help to get my card issue fixed and the repesenative filed it missing/stolen. When I went to use my card it was taken and I could not get a new one for 7 days! This is BS and I push 1 for English for help and still some non english person came on. Arghhhhh

michele on April 17, 2012:

Ah, I should have scrolled to the very bottom of page! I had the very same question as Shawn and had trouble finding the answer online. Thank you kia31! :) I myself have been using a walmart moneycard for a few years and have had no problems (knock on wood). There was even months of non-reloading (inactivity with zero balance) but decided to see if I could use it again maybe 4 months later due to reading someplace that inactive cards with zero balance are closed after 60 days. But, nope, my card was a-ok so I proceeded to have it reloaded. Everything has been fine and I use it for my financial aid direct deposit for college. Thanks again, Kia31!

kia31 (author) from Los Angles on April 15, 2012:

Nothing you just need to keep money in your account Walmart will send you a new money card with a new exasperation date.

Shawn on April 07, 2012:

I have had a card for almost two years now, it expires 07/12 - what do I have to do to keep the same account?

billy on April 04, 2012:

i have card on the way by mail.i think i will trash it

Nikak on March 14, 2012:

Well The It's Told Me That My Return Should Deposit On My Card March 14 But Do Anybody Know Around What Time ? And I Still Don't Have My Permanent Card I'm Still Stuck W/My Temp Card ..Then I Also Have A Overdraffed Fee Of 26 Dollars But How When I Haven't Even Use The Card Yet Just Activated It 4 Days Ago

vida mack on March 07, 2012:

I need a tracking number for my greed dot walmart card

Rick on March 01, 2012:

When trying to use my card is was declined so to be on the safe side I called the number on the reverse side. For verification it asked for my zip code which I put in and it kept replying that I had made an invalid entry then hanging up on me. After this happening several times I tried to contact a customer service representative, which after a 26 minute wait a person answered with such a foreign accent that I could barely understand a word they said. What I could understand is that my account had been closed due to "Suspicious activity." Being troubled by this I asked what suspicious activity had transpired to which they replied "We do not have that information." When I asked who does have that information and could I speak with them I got the same reply, "We do not have that information." I asked to speak with a supervisor to which I was told that they are too busy. This is the worst customer service that I have received on anything in my life. Now I am still very troubled that "Suspicious activity" has occurred on a account in my name, which has all my pertinent information and I cannot get anyone to tell me what it is. Besides that my card is no longer working causing an extreme inconvenience. I cannot believe that Walmart would let such an incompetent organization to put their name on their card. This organization totally stinks and I will never have anything to do with or recommend them to anyone.

Brandon on February 26, 2012:

Is there a way to take out a large amount of money from the card like 4000 dollars??

James on February 26, 2012:

The IRS takes as little as 8 days and up to 14 days to process and issue returns. Sometimes longer during the high peak time which is generally this time of year

Cleo on February 25, 2012:

I has my refund depoist to my walmart card and I have been waiting one week for my money. Still no money. Don't use this card for your refund!! Customer service suck no information from them. How long do it take for them to post my money? I tired of the run around. When I get it, I will not deal with them anymore. Pissed off!!!

Christopher M on February 23, 2012:

I lost one of my cards, and had another sent in the mail. When I activated it from the number it said my card was ready to go, so I went and bought lunch and it came back denied. There is a block on my card, but I don't know from what... and when I call customer service and try to talk to someone, it says I have a blocked card and they will transfer me to the unblock department. Then I enter my exp date and it says my card is activated and ready to go, then tells me if I have any more problems, I should call the EXACT SAME NUMBER I JUST CALLED. WTF, help?

Geo on February 18, 2012:

Man you people are so dumb! This card is NOT hard to use. Simpley direct deposit your check to waive the 3 $ monthly fee. Or go to Walmart and cash your check then deposit it on the card to waive the fee or you can load 1,000$ to also waive the fee. Don't go to ATM because they rape you!! Simply buy groceries and get CASH BACK at the register. For balance just check online or opt for the txt message of you balance. I have free talk and txt so i dnt get charged for txt messages of my balance

Steve on February 13, 2012:

I cancelled 2 orders online using the money card. I know it takes 10 days to receive the money back, but the pending transaction for these orders vanished from my transaction history. Is this normal?

Marie M on February 11, 2012:





wally on February 01, 2012:

I lost my pin code number,what do i do to get it fast.i 'm a visitor in d u.s,i called,d answering maching was asking for my social security and my zip code.pls who can help me out.

dez42 on January 28, 2012:

I do not see an important positive about the prepaid debit cards listed here--the reason I got the card.

I was a victime of internet fraud and my bank gave me no help! At the branch the people kept telling me the questionable charges were point of sale, and I had to 'prove' that they were not by 'retiring my card myself for 3 months, in order to get to the fraud department! The fraud department just said that the local branch "should not have told you that!" ( that the charges were point of sale) and did indeed prove fraud. However. They would only reimburse the charge and overdraft fees for the month when this came to their attention--and none for all the fees and charges in the almost a year before they made their determination! They are no longer my bank!

I would NEVER again use a regular credit card or bank credit card ON-LINE! ( the question of how the rogues got my information--and then esp. a newly issued yearly card # that had never been used on-line --was never explained.) You may feel your bank makes it safe--but it does not!

If someone is charging your Walmart Card illicitly, the worst thing that can happen is you will lose what ever prepaid balance has not been spent, and/or you can cancel and buy a new card for a minimum fee!

Smf on January 26, 2012:

Calling the 800 number on the back of the card doesn't do SHIT. You can't speak to a representative, and I literally typed my card number in 20 times before the damn thing went through. Then, it told me I haven't activated my card yet, which is BS.

Alex T on January 18, 2012:

Is this available in Canada?

king on January 10, 2012:

my i and dad using the same card and it works good for us, i like it cash to spend lol

London on January 07, 2012:

Wow, sounds like these guys have really bad customer service. If you buy something that is as important as this then the customer service should be on point if not better than on point. This is peoples money!! Without money in this country you could at worst, die. I don't understand how a company that deals with other peoples money could not have the best costumer service available and be able to solve problems of money transfers within minutes, especially since they are paying extra money for the service. I will definitely not be using this and I'm very glad I came across this page before spending my hard earned cash on one. Shame on you guys for letting so many people down! It makes me very sad that the law allows you to get away with this.

diane on January 01, 2012:

do they charge you a monyhly paymeny if your car never been activated

Mario on December 31, 2011:

I purchased a debit card to pay bills online for free the day they were due...but to my surprise the card had to wait 2 business days for address verification...ok.Who will pay my late fees? no one put this in their cons....Now since its a holiday in a my money will be available on wednesday..what the hell? Its not fair...i hate this.

Ron on December 29, 2011:

I will nerver buy of the card. You can never get help. I used it and it took the money but it read declined. So I had to use another card . Not only amy I out the card money also the amount of purchase. There is no one that cares to help.

LAURA KIRBY on December 29, 2011:

My son purchased a walmart Visa card on Dec 17th he had $300.00 purchased card for $3.00 and placed the remander on the card when he went to activate it they said they couldn't acitvate it. They refused to give him a pin so he could remove his money. Since then Walmart corp compliant has done nothing but give me the run around. They said the check was mailed on the 21st of Dec but the check hasn't arrived yet. This company ruined his Christmas. Do i need to contant a lawyer concerning the situation of what.

matt on December 23, 2011:

just want to activate temp card , given as gift , but cant get pass ss# part . Says without ss# i can only activate temp card . ThaT is what im wanting to do but cant go forward after that message. Don't need personal card

izumi2221 on December 09, 2011:

hi i need to know something ok i have a temp wal-mart credit card now when i get my perosnalized one in the mail and transfer the money from temp to perosnal and theni want to add 2 dollars that wasn't in the temp into the personal one is the fee 3 dollars well that work or do i need a minimum amount email me at

Jody on December 05, 2011:

I used my temporary card to set up my direct deposit thinking the numbers would be the same when I got my regular card. Will my direct deposit just be transferred to that card?

Jackie Allen on December 03, 2011:

I got the temporary card and went online to set up my account I couldn't get into the account it says the user name is not valid I wrote down everything so I would not forget. I received my permanent card and went online to activate it and was told this card is already activated but still the same problem I have tried to change the info and still the same problems so basically I have a worthless card that has twenty dollars on it that I can't use. So I went and got a different prepaid a Moneygram account now set it up online with no problems and have used it as far as I am concerned the Wal-Mart card is a piece of junk and a big headache to even try to set up.

Kriss on November 17, 2011:

I haven't ever had a problem with the moneycard..until now..I used my card to purchases movie tickets online at my local AMC theater, my card has the total as pending but the movie theater shows no record of ever having the tickets reserved..Customer Service was no help at all...wouldn't even tell me when the money would be added back to my card Does anyone know how long the money will set on pending until they add it back to your caRD?

ana on November 09, 2011:


i have quick question what if i don't want the card anymore? can i just stop loading money on to it? or do i have to cancel it?

1211 on November 03, 2011:

I got a gift card for my birthday...the person that gave it to me failed to give me the receipt so I couldn't activate it..called number that was given..wanted SS#....WHY! Why do they need the SS#, when I didn't purchase it and the person that did, didn't give them theirs. This doesn't seem right. No birthday gift....What a rip off?....I will never buy one of these! Does anyone have an answer on what to do? Their should be a better way to track this...when you need help!

tiNk on October 21, 2011:

I had my card stolen I called it in I recievrd my new one but can't activate my new one cuz there's a sercutiy block and can't get ahold of a live rep its my birthday and now no no money f u Walt mart money card Walt mart can't even help u

alg on October 04, 2011:


jules on October 04, 2011:

how do u find a list of yr transacxtions on-line?

Mr. Q on September 10, 2011:

Can more money than you bought the reloadable Walmart card for, be added to the card?

Mike on September 10, 2011:

I have had my card for 2 yrs now. I have "NEVER" once have any kind of problem from it. The fees are not a problem. Best card ever. Honestly i thnk bank fees are worse LoL

mike on September 08, 2011:

my card will not work, i have activated it and whenever i try to use it it is declined. I've tried ATM, gas pump. Tried calling customer service, get told I'm being transferred, then hung up on. Definitely would like help to change my pin or whatever I need to do. Probably not likely to recommend this card to anyone.

kia31 (author) from Los Angles on September 01, 2011:

J Your card should be good til the end of the Month and Walmart should send you a new card before the end of the month if you Walmart money card is still active.

j on August 31, 2011:

My card has an expiration date of 9/11 I was wondering if it will expire at the beginning of the month or let you use the card the rest of the month

kia31 (author) from Los Angles on August 31, 2011:

Rashad, yes but there is a 2% foreign Transaction fee.

Rashad on August 30, 2011:

Is ut possible to make purchases from china online?

Jody on August 28, 2011:

I have a card that I accidentally bought thinking it was a gift card. It has been a pain and I will never buy or recommend anyone buy one. It took me two weeks to get it activated and by then I had been charged a monthly fee again. I can't get the card to work anywhere now cause I can't get access to find out how much is remaining on the card. I will be more careful in the future and make sure I never buy this crappy thing again.

kia31 (author) from Los Angles on August 10, 2011:

Bruce, you can spend that dollar before any monthly fees and they do not have a cancellation fee. If you do direct deposit they do not charge your card a monthly fee.

Bruce on August 09, 2011:

So what happens with the walmart visa card if you only have say $1 left on the card at the end of the month? do they just take the $1 and that's that?

also, do they charge a cancellation fee?

Fabio on August 06, 2011:

I can't activate any walmat card couse they say they can't verify my name or ss#

Jan on August 06, 2011:

How can I find out my pin number if I forgot what it is, can I reset it or what?

Al67 on July 15, 2011:


I actually called customer service and they answered pretty quick! The service rep told me that my card is GOOD and the reason why I had a "Security Block" is because I HAVE to wait at least 15 minutes after registered for me to use online to pay my personal bills....So, I try the second time and it works!!!! Thank Lord! Everything is good to go! Anyone needs any money?? Just kidding!! Thanks again! Al

kia31 (author) from Los Angles on July 15, 2011:

You need to call Customer Service and asked them to release the security block if possible. If you have never used the card, you should have no problems.

Al67 on July 15, 2011:

Greetings everyone!

I just bought a MasterCard at Walmart. I paid at the cashier X.Y.Z amount of $$, shortly after that, I went home and activated the (2 cards). Then I log in and saw my balance (not a problem yet!), then I went to pay my T-mobile bill and the website decline my NEW CARD, THEN I went and look on the website and notice that they decline the transaction! Then, I called the number behind the card and the automatic machine says: "Your decline transaction is because YOU have a SECURITY BLOCK"??! Why??? I try to reach customer service but no luck! I do have the receipt from Walmart, I have the activation code on the receipt however....What do I do now???? Dam, I don't want to loose my money that IS to pay my personal bills...Any advice here please!!! Thanks, Al.

ash on July 10, 2011:

i mistakenly put the wrong SS would I be in troubler?

kia31 (author) from Los Angles on May 02, 2011:

I finally got rid of my Walmart Card also because I was missing 35 dollars and Walmart did not give me back my money and could not explain what happened to it, This hubpages does not endorse Walmart, just reporting what we know about it, I have an account now card and and have a problem with them also, they still charged me 9.95 membership fee even though I have deposit well over their 2500 amount to wave the fee. They have told me twice that the money would be put back but it never has.

verna mccullen on April 29, 2011:

I had been pretty much satisfied with my card until i lost my card and went on line to report it lost and requested a new one.I did this on Monday morning. It clearly stated that the replacement card would arrive in 2 to 3 business days well five days(friday) later i call to let them know that the new card had not arrived I was informed that is takes 7 to 10 days. Wow!!! I have my paycheck direct deposited on my card. Payday is today and I was told that the new card would arrive no later than NEXT Friday. Unbelieveable. For me this means my bills will be paid late. Don't have enough money for gas, groceries,food etc. you get the picture. I was also told that there was no other way for me to access my own money until the new card arrives NEXT friday. I really do feel like something needs to change with this particular situation.

This is truly not good customer service. Overnight mail service is not even available even if the customer is willing to pay for it themselves.

Deanna landers on April 25, 2011:

Do NOT USE THIS!! We are still fighting for money they took from my family!! $400 was never given at ATM!! The customer service reps LIE!! They run you around!! They pretend to be SUPERVISORS and NEVER TAKE CARE OF THE ISSUE.. This was our rent MONEY!! We are losing our HOUSE bcs of not having the money to PAY THE RENT!! This COMPANY IS A SHAME!!

kia31 (author) from Los Angles on April 20, 2011:

Judith, I got my card about 7 days after I activated it, I believe they told me that it should arrive in 5 to 10 business day. So you sould have it withing two weeks.

judith on April 20, 2011:

how long does it take to get a permanent card once you ACTIVATE IT

nichecraft on April 05, 2011:

I was under the impression it was like using a prepaid gift/debit card. I really did think it was that simple. Apparently, I was wronge. I added $20.00 yesterday and my card wouldn't work. I finally got through to check on my card and learned it has an $80.00 overdraft!! How can a gift card allow me to spend more money than what I put on the card? When I asked this at Walmart she looked as shocked as I felt. The customer service manager(CSM) didn't know it would do that either.

I had other problem like it not allowing me access to my account even though I answered the secret question right. With what I thought I knew, I didn't think it mattered. They never sent me a statement, which I thought was part of the deal.

I'm sure it probably mentioned in all their rules and regulations that this card is alot more complicated than a simple gift card. If I had known this wasn't a simple gift card, up front, I wouldn't have never bought it. I won't use it again. It just became another bill I can't pay. And has probably robbed me of more meoney than I know or can find out about.

This is a seriouse buyer beware product. And dffinitly look this gift horse in the mouth. It does bite.

kia31 (author) from Los Angles on March 01, 2011:

Robert, I would can and make sure but I have canceled cards before and the money goes to a account number that they associate with the VISA credit card so you money should be available once you get your card registered with them.

kia31 (author) from Los Angles on March 01, 2011:

Melissa you should have got a Gift Card if you only wanted to use it one time, the Walmart Money Card cost $3 dollars a month so spend it all and then just cancel the account or get rid of the card.

Robert Barntrover on February 28, 2011:

So, I have a question/complaint...When I got my card the dude typed my name in wrong. I noticed when I got my card and called to fix it, not a big deal right? I guess the guy didn't know what he was doing and reported my card lost/stolen, so I called again to see WTF and they said they are mailing a new card. My question is will this affect the direct deposit of my tax return? does it mess with my account number? Or do I just trust walmart to handle it and transfer it to the new card?

Melissa on February 19, 2011:

I just got a money card from Walmart and i just wanted it to purchase one thing online but for nothing further. So will i be charged the $3 fee regardless if i ever use it again? And if so how can i cancel it? And will i be charged to cancel?

kia31 (author) from Los Angles on February 18, 2011:


Since you are doing this online you will not get a temporary card you will get an actual Visa card with your name on it but you will still need to get online or call the 1-800 number to activate it. To add money to your card you can go to any Walmart Cashier and add the money paying a $3 load fee or you can buy MoneyPak form most drugstores or gas stations as well a WalMart and add the money their. So you will get your card not a temporary one, then activate it and then you will need to add money on it to use it. You can also setup direct deposit but will have to wait till your employer or money provider sets it up for you.

Jerry on February 18, 2011:

Thank you for this informative post and comments, especially kia31's posts.

I have a few questions hopefully someone can answer for me.

- I'm thinking of getting the Walmart money card mainly for online purchases. When I go to the Walmartmoneycard Website and use the getacardnow option - I have to put in my name/address and SSN. Is this the temporary card or the real card avoiding the $3 fee from stores? Is this card preactivated since it already has my information or do I need to activate it again?

- The monthly fee or $3, what happens when I don't have any money left in it. Do they take $3 out next time I load money or do they block my card or something?

- Does this card have my name printed on it?

- Is this card generally good for online purchases? Are there any merchants that don't accept this card?

And most importantly, do I need to show ID to load this card at Walmart stores? Can I give this card to my brother and have him load it for me even though it doesn't have his name? The same with checks too, The check has to be addressed to the same name as on the card, right?

I know long questions! but any help would be appreciated!

Thank you

sparklegal on February 14, 2011:

here's something...if you have a walmart moneycard...if you ever lose it and report it to them...that is if you get a live person on the line...BIG IF...oh they will put a security block on your card...that's's when you find your card wasn't stolen...just misplaced, the real fun begins when you need to get the block removed! I have been calling and calling the customer service number on the back of the card and can not get a live person to save my life!...just don't misplace your card whatever you do!

Carder on February 03, 2011:

When I buy something with a walmart Prepaid card,If I Don't want to use it anymore ,do I just let the card run Out?....

Randy on February 02, 2011:

I may be moving to Edmonton, AB. Can I use the walmart money card there even though moneypack is not available in Canada?

Brittany on February 01, 2011:

I recently tried to buy something online and I gotten an email saying that the transation failed due to wrong billing info. I realized that when I was filling out the form I put in the wrong info and I'm waiting for the transation on said item to say "Declined" but it hasn't changed yet and still says "Pending". How long will it take to change and will I get the spent money back or will it be gone for good?

Angela on January 03, 2011:

I've had a money card for three years now and haven't had a single problem. Today I got my new card in the mail and I can't for the life of me remember if it needs activated like the original or if the card will be automatically switched over to the new expiration date when my current expiration date hits? I would appreciate any help.

Paul on December 25, 2010:

WalMart money card is the WORST card I have ever seen…EVER. I bought $500 worth of cards for Christmas presents and they all have issues. DON'T EVER BUY ONE! Go to Target and pay 95cents more for no hassle!

kia31 (author) from Los Angles on December 22, 2010:

Zslam15 do not worry once you add money you will only have to pay that 3 cents you are short.

zslam15 on December 20, 2010:

Oh my goodness thank you so much kia31.... I'm just a teenager and this scared the crap outta me... I though I would've had to pay like a $100.00 fee or something... And well what happened was I had like $2.97 in my account.. I wasn't aware that they was going to take out $3.00 because I thought they did that at the end of every month... Now I'm overdraft 3 cents... So should I just add more money to my card?

kia31 (author) from Los Angles on December 20, 2010:

Angel, I am not sure if you can buy one in China but you can go online at and see what your options are. If you have family in the US you can get them to purchase one for you and give you to codes to load the money on your card.

kia31 (author) from Los Angles on December 20, 2010:

Zach, you will not get an overdraft fee you might have a dollar charge depending on how you went over the limit. The only way you are over this fee is probably for a atm or inquiry fee.

angel on December 19, 2010:

i need moneypak i live in china guangzhou i want to know from where should i get this moneypak card i tired in 7Eleven but they don't have the knowledge of moneypak help me reply me my email id

Zach on December 19, 2010:

Hi, kia31 .... I have a walmart visa and right now I have an overdraft fee of 3 cents... Does this mean I will have to pay a big fee? Or can I just go and load more money into my card, and it will be done with? Thanks....

kia31 (author) from Los Angles on December 17, 2010:

Robyn Your are correct you cannot buy a Green Dot Money Pak on your gift card, but you can buy one on any prepaid debit card but you must activate and get a permanent card frist. Thanks for the comment.

Robyn on December 17, 2010:


I just wanted to let you know, that if you have a walmart gift card, you cannot buy a green dot money pack. It sucks.

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