5 Steps to Choose the Ideal Wallet Card for Your Needs
Making payments securely is essential and more so with the boom in online shopping. How many times have you wanted to buy something but have not dared to give the card where you have all your savings?
A purse card allows you to buy without having to have a lot of money on it, it is simple and effective. A secure payment to pay a controlled amount of money. The money is previously deposited on the card, so that only the money that you indicate can be spent.
Wallet cards have grown in popularity in recent years, but how do you know if it is the right option for you? Find out what it is, how it works and the steps to choose the perfect wallet card for your needs.
What is a wallet card
Purse cards are prepaid cards , in which you can enter a certain amount of money. They are the perfect alternative to credit or debit cards, especially for purchases of a small amount in establishments, services or even through the Internet.
Due to its popularity, many banks offer this type of card. For example, at bnext that offers this type of wallet card without maintenance fees, a free card and without permanence. A perfect option to enjoy the advantages of coin cards.
Today, these cards are very useful for making secure purchases online . The reason? It can only be used until the amount you have recharged is spent, being able to recharge the card as many times as you want.
That is, if you buy on an unsafe website, they will not be able to take money from your card since you can enter the right amount to make the purchase you want. It is a safe and easy to use card.
It is also an ideal alternative to go out for a drink with friends or go shopping in all kinds of establishments without having to carry money with you. It is a way to control spending since you can only use the money that you have previously entered, a good trick to control the budget.
Even for families with children, it is an interesting way to control the expenses of the little ones. In this way, you make sure that they always have money but in a limited way.
These purse cards allow you to make daily purchases in a comfortable and efficient way , since you can speed up cash payments without the need to carry bills or coins.
How to choose the perfect wallet card: 5 steps
In recent years, their popularity has exploded, so much so that even financial institutions are in charge of offering them.
Having a wallet card is a good option, that is clear thanks to its many advantages, but how do you choose the best wallet card for your needs?
It is time to find out what aspects you should value in order to choose between all the wallet cards on the market.
100% free card
Take into account the final price, that is, the amount to open a purse card is free , but also does not include shipping costs.
Some entities charge the shipping costs, although it is not a high amount, you can choose a totally free one.
0 commissions
One of the most important characteristics to choose a wallet card. Some entities charge issuance, renewal and even maintenance commissions, just like the rest of bank cards.
They can also have a cost per recharge, that is, each time you enter an amount of money, the financial institution keeps a percentage of the amount.
There are wallet cards that do not have any type of commission, such as the one from Bnext, mentioned above. Make sure that the card you choose does not have any commission.
Intuitive app
Choose a card with which you can manage your money from a single app , which is intuitive and easy to use.
This can facilitate your online purchases, ideal for controlling your day-to-day expenses or even to see the money you have spent on a trip.
Controlling your money from an app is perfect, since one of its main advantages is that you can receive notifications when you make a payment. This allows you to block the card with a single click from the app if there is a suspicious expense.
Excellent customer service
Taking into account the costs of the card or the possibility of having an app for its management is important, as is having good customer service.
From the kindness in the treatment to its effectiveness. Despite the fact that coin cards have a much lower percentage than conventional cards, it is important to have a good service in case you need assistance with a problem or inconvenience.
With special promotions
Some wallet cards have rewards or special promotions when used, from discounts, accumulation of points for gifts or trips with rewards.
Taking this characteristic into account when choosing the wallet card is excellent to get an extra benefit from its use.
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