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Walmart MoneyCard Review

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PROS / This card has a low monthly fee.

CONS / This prepaid debit card lacks a smartphone app.

 VERDICT / This card is missing some features we like, but it has affordable fees.

Walmart MoneyCard is a prepaid debit card available for purchase at Walmart stores. This card is available as both a Mastercard and VISA, and it can be used anywhere those cards are accepted. This card has affordable fees, but it is missing some of the features we looked for.

  1. The monthly cost of owning the card
    Money (less is better)
  2. 8 Walmart MoneyCard
    3 Dollars
  3. 3 Dollars
  4. 3 Dollars
  5. 5 Dollars
  6. Category Average
    5.32 Dollars

There are several types of Walmart MoneyCards, and each one has different features. The Basic card has the lowest purchase price but can only be used for purchases. The Plus card has a higher purchase price and can be used to pay bills online and transfer money. The Preferred card costs the most but allows free reloads at Walmart stores and gives you the opportunity to put money away.

In addition to the cost of purchasing the card, the Walmart MoneyCard has other fees associated with it. There is a monthly fee that is on the lower end of the cards we reviewed. There is also a fee if you need a replacement card. You can find a listing of the various fees and specific amounts at the Walmart MoneyCard website.

With a Walmart MoneyCard, you can use a MoneyPass ATM without having to pay a fee. If you use a non-MoneyPass ATM, you have to pay a fee for withdrawals and other transactions, such as checking your balance.

This reloadable debit card scored poorly on the features it provides. You can receive text alerts and manage your account online. The Walmart MoneyCard has no smartphone app but does offer a mobile site. If you buy a Plus or Preferred card, you can pay bills online. Preferred card holders have access to an "Online Vault," which allows you to put money away like a savings account. Unlike savings accounts offered by other prepaid debit cards we reviewed, Walmart's Online Vault does not offer any interest on the money you add.

Walmart MoneyCard allows you to add funds to your card through direct deposit and bank transfers. You can also swipe your card at the register of participating Walmarts, deposit checks onto your account at Walmart and add funds by using Walmart MoneyCenter Express kiosks. Some of these methods charge a small loading fee.


This prepaid debit card has lower fees than others we reviewed. It does lack some of the features we found useful in other cards. Some features are available only if you purchase the Plus or Preferred Walmart MoneyCard.