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PayPal Prepaid MasterCard® review

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Advertiser Disclosure

Card Price
Card Maintenance Fee
$4.95 per month
Signup Bonus

Informr score
The PayPal Prepaid MasterCard® currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

What the Critics Are Saying...


The PayPal Card isn’t suitable as a replacement checking account, for the purpose of giving a child an allowance or as an alternative check-cashing tool. Ultimately, the only type of person for whom this card will really work is someone interested in using a prepaid card solely for online shopping.

- John S Kiernan, WalletHub

The PayPal Prepaid Mastercard offers a convenient way to spend money both in person and on the go. It has cash back reward opportunities, and you can access your funds up to two days early if you deposit your paycheck directly to a PayPal prepaid card. However, the card has a $4.95 monthly fee that...

- Lydia Kibet, GOBankingRates

PayPal Prepaid Mastercard doesn’t have an ATM network, so you’ll pay $1.95 for each withdrawal. Plus, there’s an unavoidable $4.95 monthly fee. That said, most prepaid cards cost at least $5 a month and some cost as much as $10 a month. If you want to avoid a monthly fee altogether, a debit card may...

- Kevin Joey Chen, Finder

The PayPal Prepaid Mastercard is a prepaid debit card that offers significant value to those who love the PayPal ecosystem and those looking to boost their savings through a connected high-yield savings account. For those who enjoy PayPal but want a card that helps them earn rewards or links to thei...

- BestCards

The PayPal Prepaid Mastercard, issued by Bancorp Bank, has one special feature: transfers from a PayPal account to the card for fast access to funds. But you won’t find much else that’s special. The card has comparable costs and standard services to other prepaid options, but fees can add up.

- Spencer Tierney, NerdWallet


Card Price $0.00

Up to $4.95 for initial card purchase at a retail location. Fee is determined and assessed by operator of retail location and varies depending on location. This is a third-party fee and is subject to change.

Activation Fee $0.00
Card Maintenance Fee $4.95 per month
Minimum Load Amount $10.00

May depend on the individual reload location

Maximum Load Amount $7,500.00
Max Balance $15,000.00
Transaction Fees
Add Money
Direct Deposit
Cash Loads

Fee is determined and assessed by operator of Netspend Reload Network location and varies depending on location.

Card to card transfer
Spend Money
Purchase Fee
Bill Payment
Foreign Transaction Fee
Get Cash
ATM withdrawal fee (Domestic) - In Network
ATM withdrawal fee (Domestic) - Out of Network

You may also be charged a fee by the ATM operator.

ATM withdrawal fee (International)

Foreign Transaction Fee applies

Over-the-counter cash withdrawal (Domestic)
  • Fee at a financial institution
  • 2.75%, minimum of $4 at a Netspend reload network location
Over-the-counter cash withdrawal (International)
Balance Inquiry (at ATM)

You may also be charged a fee by the ATM operator

Card replacement
Card Replacement and Express Delivery Fee
  • Delivery in 3 business days
  • $25 for delivery in 1-2 business days
Monthly Paper Statements
Custom Card Fee OR Customization
Sign up bonus -
  • You can receive special offers and Payback Rewards when you shop at qualifying stores.
  • With the Refer-A-Friend program, you and a friend could both receive a $20 credit.
Features & Benefits
Additional Card Holders Yes
Funds Don't Expire Yes
Supported Currencies USD
Zero Liability Yes
Fraud Protection Yes
Custom Design Yes
Wireless Payments Apple Pay, Google Pay
Virtual Cards No
Minimum Age 18
Temporary Residents Yes
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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