Learning to manage money is not something we’re taught in school. You either learn money habits from your parents, by modeling their behavior, or you go off into the world and make mistakes (that are often expensive) and find yourself paying for those mistakes many years later. (Hello, student loans.)
One of the best and simplest ways to ensure you don’t make mistakes is never spending more than you earn. That means not purchasing items on credit cards and never spending money you don’t already have in your bank account. Simple enough, right? But we’ve all been there. We’ve overspent or didn’t pay attention to our balance. One way to keep your spending in check? A prepaid card.
Using a prepaid card can help you manage your expenses and wants to ensure that not only are you putting savings, bills, and other financial goals first, but that you’re not going into debt to pay for things.
That’s why the Kaiku prepaid card is a great alternative to credit cards or debit cards. You can use it in place of a traditional bank account to pay bills, or use it to help you stick to your budget and spend with ease. It is the perfect solution to helping you manage your money.
By adding money to the card you’ll have a set budget to spend each month which takes all the guesswork out of if you can afford that latte every morning-the answer is right there on your phone. That’s right-not only does it make managing money easier, but you can manage your Kaiku card right from your phone.
What Can You Do With Kaiku?
What can’t you do? Kaiku lets you do everything you need and then some.
- Mobile Deposit: Mobile deposit is the best. You can use your phone’s camera upload your deposits right to your account. It’s simpler than taking a selfie and sharing it on Instagram!
- Lots Of Ways To Load Cash: Direct deposit, load cash online, transfer from PayPal or Amazon, and more! It’s easy to load your cash to Kaiku.
- Get A Quick Look: Use QUICKLOOK to check your account balance without logging into your Kaiku account.
- Get Social: Get social and share money with friends and family members that also have Kaiku cards. Sending money couldn’t be easier with Kaiku.
- Get Cash: With 55,000 surcharge-free ATMs worldwide it’s easy to get cash no matter where you go.
- Pay Bills: Pay bills easily with Kaiku! Send money to others, set up bill payments, and more.
No Hidden Fees And No Fees With Direct Deposit
Not only are there no hidden fees, but it’s only $3/month to have a Kaiku card. That’s less than a fancy cup of coffee. In addition you can pay $o/month when you direct deposit $750 or more and use in-network ATMs. With over 55,000 in -network ATMs you won’t have any trouble sticking to in-network ATMs.
There are no activation fees, no decline fees, no usage fees, no currency conversion fees, and no hidden fees of ANY kind.
Visa Clear Prepaid Designation
Visa gave Kaiku this special designation in honor of their transparency. The designation is given based on high standards that include “simplified fees, transparent disclosures, and superior consumer protections.” Simply put that means the card provides you with a simple and easy to understand fee structure and protection.
Getting A Kaiku Card
Signing up for a Kaiku card couldn’t be easier. Simply click over to Kaiku and start an account. You can add money via your bank account to get started.
Using Your Kaiku Card
As part of our sponsorship Kaiku loaded funds onto my card to use. I put it to use by using it for everyday purchases to see how simple it was to manage and use on the go. I used it to purchase household items and beauty products from a big box store, paid for our groceries, bought the family a night out at the movies, filled up my gas tank, and more.
I was able to manage my money easily by checking balances on the Kaiku app on my iPhone, check statement balances on my laptop, and more.
Simply put-it’s easy to use, and when my balance dropped I even tested out what happens. You card can’t go over budget so it forced me to pay another way. It’s a great way to make sure even if you aren’t paying close attention to your money Kaiku has your back.
Lose Your Card?
It happens, and it even happened to me. After receiving my Kaiku prepaid card I placed it in a bag I was using at the time, when I switched handbags I forgot to check all the pockets and thought I had misplaced or worse lost the card. I hoped on Kaiku’s site and got a replacement sent in a week. I love that they tell you to check under the couch before you cancel your card.
This is a great card for teens that are just getting started in college or off on their own for the first time, families that want to stick to a budget (you can add up to 3 additional cards to your account), and young people who are working hard and working hard to manage their money.
Disclosure: This is a sponsored post brought to you by Kaiku.