Western Union® Prepaid MasterCard®
Sponsored Card
- Minimum Credit Required:
All Credit Types Accepted - Network: MasterCard
- Online Response:Yes
- Prepaid Card:100% Guaranteed Approval
| Activation Fee None |
Monthly Fee None |
| w / a Signature (most common) Free |
w / a Pin Free |
at an ATM $1.95 |
| Live Free |
Automated Free |
| Cancellation Fee If there are funds remaining on your Card after termination, Western Union will send you a check for the remaining balance less a check processing fee up to $25. |
Inactivity Fee $2.50 monthly charge beginning in month 13 of inactivity |
- No monthly maintenance fees.
- No purchase transaction fees.
- No overdraft or late payment fees.
- Your money is protected - If your card is lost or stolen, your money is protected by MasterCard's Zero Liability Policy.
- No bill pay service offered with this card. Western Union offers a seperate bill pay service.
Reload Networks:
- Direct Deposit
- Western Union
- Mail in a Check or Money Order
If you currently have the Western Union® Prepaid MasterCard® and are satisfied or you like the terms of this prepaid card offer please let your friends know.
If you are interested in the Western Union® Prepaid MasterCard®, check out the following prepaid cards as well:
Compare the Western Union® Prepaid MasterCard® against other major online prepaid card offers.
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Western Union® Prepaid MasterCard® shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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When I think of Western Union, I think of being able to get money fairly fast when I really need it. It makes sense that they have their own prepaid card then since prepaid cards are usually used by people who need a place to put their money, either because they want to escape new bank fees or because they can’t get a bank account. Nevertheless, you have to make sure that the Western Union Prepaid Card doesn’t take money from you fast (at least compared to the competition), and that necessitates checking out its fees and how it fits in the prepaid card market hierarchy. The first thing I notice about the Western Union Prepaid MasterCard is how much is free. There’s no activation fee, no monthly fee, no purchase fee, and no fee for customer support. When you look closer, though, you see how quickly costs can mount. The Western Union Prepaid Debit Card charges $1.95 for every ATM withdrawal, making getting cash prohibitively expensive. It also charges you up to $25 to get money from your account back when you close it and $2.50 per month if you don’t use your card for 13 months straight. Those fees pretty much defeat the purpose of getting a checking account, so it’s a better idea to check out cards like the GreenDot Prepaid Card or the American Express Prepaid Card than the WesternUnion Prepaid Card. The GreenDot Card is free as long as you do direct deposit for your monthly paycheck and the Amex Card is free as long as you only make one ATM withdrawal per month.
This card is terrible. They tied up a deposit for 3 weeks. Sometimes the system is down for allowing cash deposits also. The customer service can never give direct answers.
Can Western Union Prepaid MasterCard accept wire transfers from a major bank?
Unfortunately, at this time it appears that you can add money to your card in 3 ways: 1 ) Certain payroll or government benefit funds may also be loaded into your Card account by direct deposit. 2) In person at over 46,000 participating Western Union® Agent locations nationwide. 3) If you have completed the identification process to load and reload your Card, you may also accept money transfers to your Card (“Money Transfer Load”). The sender may send a maximum Money Transfer Load amount of $950 per transaction.
Can I use this card for travel abroad and what are the transactions fees?
According to the terms and conditions page of the Western Union Prepaid Card it appears that there is a 1% foreign transaction fee. Here is exactly what they say: "If you obtain your funds in a currency or country other than the currency or country in which your Card was issued, we may increase the currency conversion rate up to an additional 1% and will retain this amount as compensation for its services." Also please do not forget to call them ahead of time and let them know of your travel plans. Otherwise, your prepaid card might get declined since Western Union will not know if it is legitimate charge.
Can these be ordered from and used in Jamaica?
At this point in time the Western Union (WU) Prepaid Card is only available to U.S. residents.