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Green Dot Prepaid Card review

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Green Dot Prepaid Card review

Early direct deposit is a strong draw, but fees may outweigh it.

  • Get this card if you want to take advantage of direct deposit and mobile account access.
  • Choose another card if you make a lot of cash deposits or ATM withdrawals.


Monthly fee


Card typeDebit
Card networkVisa
Monthly fee$7.95

Expert review

Rhys Subitch

Review by

Rhys Subitch is a writer and editor at who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.

Expert review

The Green Dot Prepaid Card is best for those who want to receive early direct deposits. You can find the card at retailers around the country. Its mobile app can make managing and sending funds easier.

But you’ll want to be cautious of the various account-related fees.

What you’ll like

Green Dot offers prepaid Visa and Mastercard options that you can manage easily on the go. Features include:

  • Mobile app for easy access. Register your card online to sign up for an account with Green Dot. From there you can check your funds, transfer money and deposit checks from your smartphone.
  • Eligible for early direct deposit. You could receive your paycheck up to two days early when you sign up for direct deposit with this card.
  • No overdraft fees. You’re protected from overdraft fees, but you’re still responsible for any negative balances you incur. The monthly maintenance fee applies even if you’re at or under a zero balance.
  • No credit check. Green Dot won’t run a credit check, so you can rest assured that your score won’t take a hit when you register your card.
  • Send money instantly. Once you set up an account, you can send money instantly to friends and family members in the US from your smartphone.
  • Checks available. You can order checks for a fee.
  • VIP benefits. For an additional fee, you can join Green Dot’s VIP program and receive additional benefits — including ATM-fee waivers, priority customer service and expedited card replacement.

What to watch out for

While Green Dot has some enticing benefits, it’s less than perfect. Make sure you consider these drawbacks:

  • Not available for purchase online. You’ll have to go to a local retailer to purchase the card.
  • Monthly maintenance fee. Every month you don’t make $1,000 in deposits, your account is subject to a $7.95 maintenance fee.
  • Regular fees can eat into your hard-earned cash. Withdrawals by ATM or teller, cash deposits and checking your balance at an ATM will all cost you.
  • Withdrawal limits. You’re limited to $500 daily in withdrawals.
  • Not travel-friendly. Each international purchase comes with a foreign transaction fee equal to 3% of the transaction.

If you want a prepaid debit card with minimal to no fees, you’ll want to keep looking. As always, compare your options when choosing a prepaid debit card.

Green Dot Prepaid Card fees

The Green Dot website states the following fees, but more charges may apply based on how you use the card.

Initial purchaseUp to $1.95
Monthly usage$7.95
Cash deposit with a retail partnerUp to $5.95
Moneypak deposit$5.95
Teller withdrawal$3
ATM withdrawal$3
ATM balance inquiry$0.50
Pack of 12 paper checks$5.95
Card replacement, regular delivery$5
Card replacement, expedited delivery$15
VIP upgrade$4.95

Compare with other prepaid cards

Name Product Signature transaction fee PIN transaction fee Monthly fee
PayPal Prepaid Mastercard
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.
Pink Netspend Visa Prepaid Card (FeeAdvantage Plan)
$9.95 per month (or $5 with a $500+ direct deposit)
Trusted by more than 7 million people.
Netspend Visa Prepaid Card (Pay-As-You-Go Plan)
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features. Visa Prepaid Card
$9.95 per month (or $0 with a $1,000+ direct deposit)
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
ACE Flare Account
$9.95 per month (or $5 with a $500+ direct deposit)
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.

Compare up to 4 providers

How do I get the Green Dot Prepaid Card?

The Green Dot Prepaid Card is only available at retail-partner locations, so you won’t be able to order it online. To find the location closest to you, follow these steps:

  1. Go to the Green Dot website.
  2. Click Our products, then Prepaid card.
  3. Scroll down and select See store locations.
  4. Enter your location or enable location finder.


    To register your Green Dot Prepaid Card you must be:

  • At least 18 years old.
  • Have a Social Security number.

Required information

Have the following ready before you register your card online:

  • Full name, residential address and mobile phone number
  • Date of birth and Social Security number
  • Possibly a state or federal ID, such as a driver’s license or passport

Funding options

You can load funds several ways, including:

  • Moneypak. Use Moneypak to load between $20 and $500 for a flat $5.95 fee.
  • Direct deposit. Sign up for direct deposit to your prepaid card for free.
  • Check. Deposit checks using the mobile app. Fees may apply.
  • Cash. Deposit cash at a retail partner for a fee.
  • Bank transfer. Transfer money directly from your bank for free.

I got the card. Now what?

Get the most out of your Green Dot Prepaid Card by taking advantage of all its features.

  • Register the card online. Go to the Green Dot website and register your card and access additional features, including access to the mobile app.
  • Meet the monthly fee waiver minimum. Deposit at least $1,000 each month to avoid paying the monthly service fee.
  • Sign up for direct deposit. If you plan on using direct deposit, you can get your account information quickly from the Green Dot website once you create your online account.
  • Contact customer service. Any account-related questions can be addressed by calling the number on the back of your card or 866-795-7597. You can also send Green Dot a message over Twitter @greendotcards.

Frequently asked questions

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