Prepaid visa cards can make traveling safer. They are more convenient to use than cash, and they are easy to use. A Visa prepaid card is accepted in most places around the world, so you can be sure that you can buy what you need when you need it.
How They Work
Prepaid cards work much like a debit or credit card, but they are not linked to a bank account or a line of credit. You load the card with a set amount, and it is available to spend wherever Visa is accepted or you can use it at an ATM.
Since the card is prepaid, there are no overdraft or over the limit fees. If you run out of money on the card, there is no penalty or additional fee, but the transaction will not be processed.
Getting Cash
If you need cash while traveling, you can use it at any ATM that accepts Visa credit cards. You enter a PIN and get cash just like you can with a debit card with a Visa logo. Some merchants also let you get cash back when you use it with a PIN so you can get cash from your card that way.
If you need more money on your card while traveling, it is easy to add money from your credit card or bank. Each card has different ways to add money, but you can usually do this online or over the phone.
Safe
Using prepaid Visa cards is safer than using cash. If you lose cash or it gets stolen, you cannot recover the money. If you lose your Visa prepaid card, you can report it stolen and the account is frozen. The issuing bank will state their policy regarding theft and lost cards.
When traveling, keep the phone number and account number written down and kept in a safe place separate from the credit card. If you lose your card or it is stolen, you can request a replacement. New cards are sent quickly, so you will have the money you need quickly.
International Travel
Prepaid Visa cards are accepted in many cities and countries around the world. When you use a Visa prepaid card, you avoid having to exchange currency when you travel to a different country. You can also use the card at an ATM to get cash in many locations around the world.
Purchase Protection
Some travel prepaid Visa cards offer purchase protection. They protect you against unauthorized purchases and fraud. Check the terms of the card to see how much, if any, protection your Visa prepaid card has before you purchase it.
Budget
Using prepaid Visa cards also helps you stick to a budget. Since there is a set amount of money on the card, you can only use what you load on the card. If you need more money, you have to add it.
You cannot spend more money than you have on the account, so many travelers use them to stick to a budget.

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