Pros / The Kaiku smartphone app allows you to load checks onto your account.

Cons / There is no savings account or reward program with this debit card.

 Verdict / Kaiku has lower fees than other prepaid debit cards.

Kaiku is prepaid debit card that is co-branded with VISA and can be used anywhere a VISA debit card can be used. Kaiku is missing a few features but has a strong combination of low fees and excellent support, which is why we've given it the Top Ten Reviews Silver Award.

  • Monthly Service Fee
  • ATM Withdrawal Fee
  • Daily Cash Limit
  • Maximum Card Balance
  • ATM Balance Inquiry
  • Daily Direct Deposit Limit
  • ATM Cash Withdrawal Limit
  1. The monthly cost of owning the card
    Money (less is better)
  2. 2  Kaiku
    3.0 Dollars
  3. 1  Mango
    3.0 Dollars
  4. 5.0 Dollars
  5. Category Average
    5.32 Dollars

Fees & Charges

Of the reloadable debit cards we reviewed, Kaiku is the best in terms of extra fees and charges. It has a low monthly maintenance fee, which is waived if you add a certain amount to your account using direct deposit. Kaiku also doesn't charge fees for replacing your card or for receiving a paper statement.

Kaiku is a part of the Allpoint ATM network, which has over 55,000 charge-free terminals in the U.S., Canada, Mexico, Australia and the UK. There is a fee for using an out-of-network ATM, but even that fee is smaller than other prepaid debit cards. Be aware that these out-of-network ATMs may also charge their own fees. There is no currency-conversion fee on transactions done in another currency.


This card does not require a credit check to sign up, which is a common feature with the prepaid debit cards we reviewed. These are not credit cards and can't be used to improve poor credit. A prepaid debit card is an option for someone who is having trouble getting a checking account or for parents who want to give their children money to spend.

Kaiku's strongest feature is its smartphone app. This app is available for both iPhone and Android phones. You can monitor your balance and transactions with this app. You can also use the app to add checks to your account and pass money between two different Kaiku accounts. There is no savings account or rewards program. These are two features that other cards have that provide another benefit to using the card besides the functionality of being able to make purchases with it. The lack of these features doesn't make Kaiku a bad choice, and we still rated it well for the features it does have.

Funding Options

This prepaid debit card is reloadable in a variety of ways. You can have your paycheck or other government-issued check, such as a tax return, directly deposited into your Kaiku account. MoneyPak, bank transfers and PayPal are other methods you can use to add funds to your account. Some of these options may have their own costs that are independent of Kaiku.

Your Kaiku account has a maximum balance as well as limits to how much you can add to it through cash or direct deposits. There is also a cap on how much money you can withdraw from an ATM each day.

Help & Support

Kaiku's website has a helpful FAQs section that provides information about the basics of the card. Fees and a cardholder agreement are also posted online. You can also contact this company through email and over the phone if you want to learn more.


Of the prepaid debit cards we reviewed, Kaiku has the lowest fees. Kaiku is part of a large ATM network, so you can get access to your funds without having to pay any fees. Kaiku has strong customer service and support as well as a good smartphone app. It lacks a savings account or rewards program to help you stretch your dollar.

Specifications and Benchmarks

Funding Options

Add Money: Bank Transfer
Add Money: MoneyPak
Add Money: Direct Deposit
Add Money: Western Union
Maximum Card Balance
Daily Cash Deposit Limit
Daily ATM Cash Withdrawal Limit
Daily Direct Deposit Limit

Help & Support



No Credit Check
Text Alerts
Online Account Management
Smartphone App
Savings Account
Rewards Program
Online Bill Pay

Fees & Charges

ATM Withdrawal
$0 in network, $1.45 out of network
International ATM Withdrawal
Monthly Service Fee
International Conversion Fee
ATM Balance Inquiry
Vendor does not disclose
Close Account Fee
Vendor does not disclose
Paper Statement
Card Replacement