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TopTenREVIEWS - Silver Award - Awarded for excellence in design, usability and feature set

The prepaid debit card from Kaiku will simplify your money management system while still allowing you the freedom to make purchases from your favorite stores, and even from online vendors. This card's fees are relatively low, and several options that are included at no cost. A few of these options include free direct deposit, free in-network ATMs, free customer service, free mobile banking and more. With these features and the great flexibility they offer, it is easy to see why Kaiku comes in as our TopTenREVIEWS Silver Award winner for prepaid debit cards.

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Fees & Charges
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10/10
Mango
Kaiku
NetSpend
AccountNow
Vision Premier
Green Dot
ACE Elite
READYdebit
Walmart MoneyCard
UPside Visa
9.4
10
9.4
8.8
8.8
8.8
8.1
7.5
8.8
7.9

Kaiku prides itself on having low fees while still offering you a great set of features for your prepaid debit card. You will find all of their fees listed on the Kaiku website, and there are no hidden charges or fees. Below is a list of items that Kaiku includes at no transactional cost:

  • Activation fee
  • ATM withdrawals
  • ATM balance inquiries
  • Direct deposit
  • Transfer from bank account
  • Customer service
  • Mobile banking
  • Mobile alerts

However, keep in mind that Kaiku does charge for other features, just as any prepaid debit card company does. For example, the monthly service fee is $1.95, though that is lower than most other companies charge. If you need to transfer funds from your prepaid card to your bank account, you will be charged $0.95. Again, this is one of the lower fees we have seen as we researched the best prepaid debit cards. In accordance with a recent CFSI (Center for Financial Services Innovation) recommendation, Kaiku has added a CFSI Fee Box to their website that will give you a summary of the fees charged by Kaiku.

Flexibility
Compare
8.8/10
Mango
Kaiku
NetSpend
AccountNow
Vision Premier
Green Dot
ACE Elite
READYdebit
Walmart MoneyCard
UPside Visa
9.4
8.8
8.8
9.4
8.1
8.4
8.1
8.1
7.5
7.9

A Kaiku prepaid debit card allows you to make purchases anywhere that Visa is accepted. This includes grocery stores, restaurants, mail order companies, internet companies and more. However, Kaiku does put limits on transactions. The most money you may use for a single transaction is $1,500.

We urge you to use caution when using your card to place an authorization or hold on anything such as a rental car or hotel rooms. These places tend to request higher dollar amounts from your card than what the actual amount of your purchase may be. These holds will remain in place until the transaction is finally settled. Until then, your funds will not be available for you to use.

Features
Compare
8.8/10
Mango
Kaiku
NetSpend
AccountNow
Vision Premier
Green Dot
ACE Elite
READYdebit
Walmart MoneyCard
UPside Visa
10
8.8
8.8
8.8
8.8
7.9
8.1
8.5
7.5
7.9

One of the draws of a prepaid debit card is that it allows anyone, even peole with poor credit or no credit, to have the convenience of using a card. When you apply for the Kaiku Visa there is no credit check. You can sign up using an online form that requires basic information including your name, address, telephone number and email address.

Kaiku also offers free online access to your account details as well as smartphone applications. This will allow you to know your balance on a constant basis and plan for future purchases. They also offer free text alerts, which you can set up to remind you when your balance is getting low. These two options alone should help you to feel more in control of your financial situation.

Funding Options
Compare
9.4/10
Mango
Kaiku
NetSpend
AccountNow
Vision Premier
Green Dot
ACE Elite
READYdebit
Walmart MoneyCard
UPside Visa
9.4
9.4
10
8.8
8.1
8.1
8.1
8.8
7.9
7.9

Having your money available to use when you need it is important. Kaiku offers you several ways in which you can reload your prepaid debit card including:

Direct Deposit: You can request that your employer deposit all (or a portion) of your paycheck onto your Kaiku card. Your funds will be available to you in a shorter amount of time and you won't have to wait in line or pay an extra fee to cash your paycheck.

Deposit Cash: If you happen to have some extra cash on you that would be better used on your card, you can deposit it by using Visa ReadyLink or MoneyGram. These facilities are located in several places, including gas stations, grocery stores, 7-Elevens, hospitals and more. Be aware that some of these locations will charge you a fee to load funds onto your card.

Bank Account: With the Kaiku Visa card, you have the option to add money by using your bank account. As long as you bank within the United States, you can transfer funds to your card at any time.

PayPal: Transferring funds from your PayPal account to your Kaiku card is simple and easy. Your money will be added to your card almost instantly.

Card-to-Card Transfers: You can transfer money from another Kaiku card to your Kaiku card quickly and easily. Using this methods gives you access to your money instantly.

Mobile Money Deposit: This funding option lets you use your smartphone to deposit a check onto your Kaiku card by taking a picture of the check using the smartphone app. However, only certain types of checks are accepted.

Help & Support
Compare
10/10
Mango
Kaiku
NetSpend
AccountNow
Vision Premier
Green Dot
ACE Elite
READYdebit
Walmart MoneyCard
UPside Visa
9.4
10
8.8
8.8
7.5
8.1
8.1
8.1
8.1
7.5

Kaiku Visa prepaid debit card company wants to keep its customers satisfied, so it offers plenty of help and support options. The website contains a comprehensive list of FAQs, and there's also 24/7 telephone customer support. Additionally, you can email the customer service department or even use regular mail for inquiries.

Kaiku Summary:
9.3/10

Kaiku prepaid debit card offers a host of great features while keeping fees to a minimum. This company offers free text alerts, so you always know your card balance, and you can access your account online. You will never be charged for calling the customer service department either. Among prepaid debit cards, Kaiku is absolutely one of the best.

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Kaiku Visa

Pros
Kaiku provides a prepaid debit card with low fees.

Cons
They do not offer a rewards program or savings account.

The Verdict
: 9.32/10

If you are searching for a prepaid debit card that is flexible and offers lower fees than most, consider Kaiku.

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