Can you top up a prepaid card with a credit card?

Prepaid cards can be convenient and easy to use, but as the name suggests, they need to be topped up before they can be used.

There are several ways to top up a prepaid card. Most prepaid cards can be loaded up with cash through Post Office, through debit cards, through direct transfer from a bank account, and through cash or card at the issuing company’s accredited loading or reloading centers. Some employers can pay wages directly to an employee’s prepaid card. Most prepaid cards can also be topped up using a credit card.

There are top up fees that may apply when loading or reloading a prepaid card through any of these channels. Sometimes top up fees are waived when you reload through the same bank or company, but most of the time loading and reloading prepaid cards have specific fees that can be a small percentage of the amount being loaded in to the prepaid card or sometimes the top up fee can be a fixed amount.

Using a credit card to top up your prepaid card can also involve enrolling the card in your account before you can add funds to the prepaid card. More often than not, credit cards also have to be registered under Verified by Visa or Mastercard Secure Code before they can be used to top up a prepaid card. Issuing companies have strict guidelines when it comes to using credit or debit cards to top up prepaid cards because of the risks involved. It can also take two to three business days before the loaded/reloaded amount is reflected in your prepaid card.