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How to Transfer Money from a Bank Account to a Prepaid Debit Card

One of the easiest ways to load money on a prepaid debit card is through an online transfer from a bank account. Bank transfers are free with the best rated prepaid cards, and it can be completed online. There are, however, a few steps to take, and setting up the process can take a few days. In this article, we'll walk through step-by-step how to transfer money from a bank account to a prepaid debit card. Having just done this with a Mango MasterCard, we'll use Mango as our example.

Step One: Get the Account Number and Routing Number

The first step is to get the account number and routing number associated with your prepaid card. The account number is a unique number that identifies your prepaid card. The routing number identifies the bank that issued your prepaid card. With Mango, it's easy to get these numbers. Simply log into your Mango account, select Add Money from the menu, and the account number and routing number will be listed under the heading to add money from a bank account.

Step Two: Add Your Prepaid Card to Your Bank Account

To transfer money from your bank account to another account not associated with your bank, you have to set up an external account. While the process varies from one bank to the next, the basic steps are the same. Log in to your bank account and navigate to where you can transfer money. Your bank should have a place where you can set up an external account. Here you can use the account number and routing number of your prepaid card to create an external account. If you run into problems, call your bank and they should be able to walk you through the process.

Step Three: Test Deposits

Before I could transfer money to the Mango card, my bank sent two small test deposits to the card. Once the deposits were reflected in my account, I logged bank into my bank and entered the amount of both deposits. This verified for the bank and for me that any future money transferred to the card was actually going to my prepaid card. Once this verification is complete, you should be able to transfer money from your bank to your prepaid card.

Step Four: Transfer Money

Once your prepaid card is setup with your bank, transferring money is simple. Go to the transfer page on your bank's website, and select the amount you want to transfer, the account to transfer the money from, and your prepaid card. Transfers generally take one business day, so it's important to note that the money will not be available on your prepaid card immediately.