• The Western Union Moneywise Visa Prepaid Card is prepaid and reloadable so there are no monthly fees, interest rates, finance charges or over the limit fees, and you can’t spend more than you load onto the card. You can manage your money easily, without racking up debt or bouncing checks.

• Your money is safe in your Western Union Moneywise Visa Prepaid Card account, protected by Visa’s Zero Liability coverage. If your money is ever stolen or your card is lost, you will never be responsible for fraudulent charges and your money will always be replaced.

• There is no credit check or income verification, and you don’t even need a bank account to get a Western Union Moneywise Visa Prepaid Card, so it’s easy and even those with poor credit or a history of a bad checking account can get one while they build their credit.

Spend your money wisely with the Western Union MoneyWise Visa Prepaid Card, issued by Metabank. The Moneywise Visa is a low-cost alternative to checking accounts or credit cards that is prepaid and reloadable, so you only spend what you put on the card, and there is no fear of racking up debt, interest or finance charges. Anyone can get a Western Union Moneywise Visa Prepaid Card, no matter their financial situation, credit history or lack of credit so it’s a perfect option for young people, those with poor credit or consumers looking to avoid negative impact on their credit. You can use the Moneywise Visa anywhere Visa cards are accepted, online and at ATM’s so it’s convenient and easy to use.

Load Money and Go

Once you sign up for your free Western Union Moneywise Visa Prepaid Card, it’s time to load money so you can start using it to make purchases in stores or online. It’s easy – first call the number on the back of your card to activate your card and enable it to receive money loads and transfers. Then simply find a Western Union agent near you (you can find this information by going to WesternUnion.com and searching their database of over 43,000 agents ), fill out the grey Prepaid Services form with your information and the amount you would like to add to your card. You will pay a low fee of $4.95 for the Western Union money load and your money will be available on the card almost immediately. You can also set up your card for payroll direct deposit, which is completely free. Just fill out the direct deposit form on their web site to have your employer deposit all or part of your paycheck each pay cycle; there are no fees involved for this option. The other option is to have money transferred from a bank account. There is a $1.00 fee involved for this transaction, and to do this, you need to call the Customer Service number provided to supply your bank routing and account information to complete the bank transfer. Once your money is loaded onto your card, you can begin using your Western Union Moneywise Visa Prepaid Card.

Send and Receive Money Transfers on Your Card

Another convenient feature of the Western Union Moneywise Visa Prepaid Card is receiving money transfers onto your card from others through Western Union. Borrow money or receive a gift simply by having your sender fill out a form. You will just need some basic information. To receive money transfers, obtain the MTCN number from your sender and have them send you a Western Union Money in Minutes or next day transfer. Then call the number on the back of your card and give the customer service agent your information and the sender’s MTCN number. You will receive your money in a matter of minutes – it’s that easy!

Safer Than Cash, More Responsible Than Credit

The Western Union Moneywise Visa Prepaid Card is a safe and secure way to carry your money, because if you lose your card or it is stolen, you are protected by Visa’s Zero Liability Protection. You will never be responsible for any money fraudulently charged on your card, and any stolen funds will always be replaced. Your money is protected in a Moneywise account. And because you can’t spend more than you load onto the card, there are never any over-limit fees, nor can you charge up debt that you can’t afford. No bounced checks, no collection calls – the Moneywise Prepaid Card is a no strings attached, simple way to manage your money.

No Monthly Fees, Interest or Finance Charges

Best of all, there are no monthly fees associated with your Western Union Moneywise Visa Prepaid Card, and since it is not a credit card, there are no interest or finance charges. You will save hundreds of dollars a year compared to a credit card or other prepaid cards that boast high program and transaction fees. You can feel good that your money is secure and safe, and you can make your purchases, without paying through the nose.

No Credit Check or Income Verification

Everyone is approved for a Western Union Moneywise Visa Prepaid Card, regardless of credit history, income or even whether or not you have a bank account. That means if you have had problems with credit in the past and can’t qualify for a credit card or get a checking account, the Moneywise Visa Prepaid Card is a perfect alternative to using cash while you improve your credit. 

Keep Track Online and Pay Bills

Another attractive feature of the Western Union Moneywise Visa Prepaid Card is that you can keep track of your money online with their completely free account management tools, as well as pay your bills. Your online electronic statement will come into your email inbox every month free of charge and you can also check your balance and track transactions online through your Western Union Moneywise account. Paying bills has never been easier with Western Union’s online bill pay service; simply set up your bills such as rent, utilities, insurance, or car payments and send them electronically for a low fee of $0.99. It saves you the time and aggravation of writing checks, stamping envelopes and going to the post office, or even going to the utility office to pay in cash. Then you can also keep track of the bills you have paid easily online in your account – without having to balance a checkbook.

Like a Credit Card, But Better

The Western Union Moneywise Visa Prepaid Card gives you all the benefits of a credit card or a bank account without the unappealing features such as fees, interest rates and the possibility of overdrawing. It is a responsible, low-cost way to manage your money, complete with free online account management, low cost bill pay and convenient, easy ways to load and receive money for your purchases. Anyone looking for a safer alternative to cash, without the downfalls of a credit card, should check out the Western Union Moneywise Visa Prepaid Card.