Walmart MoneyCard Review

The Walmart MoneyCard is a prepaid debit card with low costs ideal for those who shop at Walmart. For Walmart customers, it’s among the best prepaid card offerings. In our Walmart MoneyCard review, we cover the cards features, fees, and card limits.

Walmart MoneyCard® Visa®








Card Limits



  • Low Fees
  • Cash Back Rewards
  • Card Limits


  • ATM Fees

Walmart MoneyCard Overview

The Walmart MoneyCard is available for either the Visa or Mastercard networks, so it is widely accepted and can be used for purchases anywhere Visa and Mastercard debit cards are accepted. You can use the Walmart MoneyCard to pay bills for free with the MoneyCard’s bill pay feature.

The Walmart MoneyCard offers a number of methods to load money on the card, three of which are free. You can load money without charge through direct deposit, check deposit through the Walmart MoneyCard mobile app, and transfer from a bank account. For a fee, you can load cash to the Walmart MoneyCard using Walmart Rapid Reload ($3.00) or the Green Dot MoneyPak (up to $4.95).

The mobile app offers card users with anytime access to check the card balance, see recent transactions, and locate Walmart stores or ATMs.

You can get cash from your Walmart MoneyCard at the register or the customer service desk at Walmart locations without charge. You can also get cash from the Walmart MoneyCard at any ATM, but ATM withdrawals come with a fee of $2.50.


The Walmart MoneyCard includes the core features that most prepaid cards offer, such as direct deposit, but it also offers some additional unique features to the Walmart MoneyCard, such as cash back rewards.

Cash Back: By using the Walmart MoneyCard, you earn 3% cash-back at, 2% cash back at Murphy USA and Walmart Fuel Stations, and 1% cash-back at Walmart stores, up to $75 in cash-back rewards per year. Cash back rewards can be redeemed online or through the mobile app.

Vault: The Walmart MoneyCard also includes a “vault” feature to plan for a spending or an emergency fund goal. The feature allows you to transfer money from the card to your vault. Money in your vault can’t be spent unless you transfer it back to the Card balance.

Prizes: As a bonus, Walmart MoneyCard users have a chance to win cash prizes awarded monthly (up to a $1,000 grand prize) for every dollar saved to their vault each month.

Text Alerts: With text alerts, you can get information about the card’s balance and individual transactions, among other things. Here’s a list of the text alerts currently offered:

If you want toText this command to 96411 (or WM411)
Get your available balance“BAL XXXX” (XXXX is the last 4 digits of your card number)
See your transaction history for the last 30 days“HIST XXXX” (XXXX is the last 4 digits of your card number)
Find a reload location“LOC ZZZZZ” (ZZZZZ is the zip code or city, state)
Find nearby ATMs
Refer to the Fee Plan for applicable ATM fees
“ATM ZZZZZ” (ZZZZZ is the zip code or city, state)
Find a nearby Walmart gas station“WMGAS ZZZZZ” (ZZZZZ is the zip code or city, state)
Show the text commands aboveHELP
Stop receiving all text alertsSTOP

Mobile App: and a mobile app for iPhone or Android devices. And, as is the case with virtually all prepaid cards, the Walmart MoneyCard does not require a credit or ChexSystems check to get the card.

Walmart MoneyCard Limits

You can have up to a $10,000 card balance on the Walmart MoneyCard–higher than most prepaid cards. The maximum daily spending limit for the card is $3,000, about average among prepaid cards. The ATM daily limit is $400, again about average for prepaid cards.


Walmart charges $1.00 to purchase the MoneyCard and a $5.00 monthly fee. The monthly fee is waived if $1,000 or more is loaded on the card during the prior month. The Walmart MoneyCard charges no transaction fees. ATM withdrawals cost $2.50 in addition to any fees charged by the ATM owner, although cash can be withdrawn from the card at a Walmart register or the customer service desk for free.

How the Walmart MoneyCard Works

Loading Money

There are several ways to load the Walmart MoneyCard.

Direct Deposit: Paychecks and government benefits checks can be loaded on the card via direct deposit. Direct deposit is free.

Walmart Check Cashing: Walmart offers check cashing services for a fee of $3 ($6 for checks over $1,000 up to $5,000). When using the check cashing service, there is no separate fee to load the cash on your Walmart MoneyCard. Walmart will cash the following checks:

  • Payroll checks
  • Government checks
  • Tax checks
  • Cashier’s Checks
  • Insurance settlement checks
  • 401(k), retirement distribution checks
  • MoneyGram money orders that were purchased at Walmart

Online Bank Transfer: If you have a bank account, you can transfer funds to the Walmart MoneyCard online for free.

Walmart Rapid Reload: Finally, Walmart offers Rapid Reload for $3 per load. With this service, you can load cash to the card at Walmart Money Centers.

Walmart MoneyCard Reload Options


Using the Walmart MoneyCard

The Walmart MoneyCard works like a credit card or debit card. It can be used anywhere debit Visa or Mastercard is accepted. This includes in-person at grocery stores, gas stations, shopping and other retailers. The card can also be used with Amazon, eBay, and other online retailers. And of course, it can be used at Walmart.

Getting Cash

There are several ways to get cash from the Walmart MoneyCard:

ATMs: You can use the card like a bank debit card to withdraw money from an ATM. The Walmart fees is $2.50 per transaction, plus in the ATM owner may charge a fee.

Cash Back at Retailers: Many retailers allow you to get cash back when making purchases using a PIN.

Walmart: You can get cash from your card for free at Walmart Money Centers and Walmart Customer Service Desks.

How to Get the Walmart MoneyCard

It’s easy to get a Walmart MoneyCard. There is no credit check, no Chexsystems inquiry, or income requirements. As with all prepaid debit cards, you do need a valid social security number.

The card can be obtained by completing a short application you’ll find here.


The Walmart MoneyCard has most core features that users would look for in a prepaid card, and it can be an inexpensive card for users using direct deposit or loading the card with enough to qualify to waive the monthly fee. However, many of the benefits and convenience features are applicable mostly to Walmart customers, such as the cash back features or the ability to withdraw cash at Walmart to avoid ATM fees.

Best For: Walmart shoppers, Prepaid card users with direct deposit, Infrequent trips to the ATM

Not So Good For: Prepaid card users without direct deposit and those not regularly shopping at Walmart stores


Direct Deposit
Bill Pay
Mobile App
Text Alerts
Cash Back Rewards


Card Limit:
Daily Spending Limit:
Daily ATM Limit:
Daily Cash Load:


Activation Fee:
Monthly Fee:
ATM Fee (in network):
ATM Fee (out of network):
Signature Purchase Fee:
PIN Purchase Fee:
Direct Deposit Fee:
Cash Reload Fee: