Prepaid cards and other prepaid accounts

If you are considering getting a prepaid card or account, we have information that can help you choose the right one for you and better understand your rights.

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Basics

Choose the right card for your situation

Not all prepaid cards are the same. Each card has its own set of terms and fees.

Understand card fees

Most prepaid cards charge fees to do things like maintain your account, make purchases or withdraw money. There are other fees as well.

Explore basics

Key terms

Understand your situation

Common issues

Know your rights

Did you know that you can get your money back if your card or funds are lost or stolen? And did you know that your employer cannot force you to use a payroll card to receive your wages?

Take action

How-to guides

Page last modified Sept. 25, 2026 @ 02:10 PM EDT

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The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are transparent, fair, and competitive.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.