-
The Brink's Money Prepaid Mastercard®
gives you the peace of mind you
deserve.Card use subject to activation and identity verification.1
How it Works
The Brink's Money Prepaid Mastercard® lets you focus on the things that are most important in your life. Here's how it works:
Order a Card
To order a Card, provide your name, mailing address and email address. You'll receive a Card in the mail within 7-10 business days. (Residents of the State of Vermont are ineligible to open a Card Account).
Activate your Card
Once your Card arrives in the mail, activate your Card, and verify your identity1 with your name, address, date of birth and government ID number. Call our automated, toll-free number 1 (877) 788-9067, or click the link below and activate it online.
Add Money to Your Card Account
Here are some of the ways to add money to your Card Account once you've activated your Card and verified your identity.1
- Enroll in Direct Deposit to have your paycheck or government benefits onto your Card Account
- Transfer money2 to and from another Brink's Cardholder.
- Visit any of the over 130,000 reload locations in the Netspend Reload Network3
Tax Refund
Get a Tax Refund: Faster than a Paper Check when you E-File and use Direct Deposit4
Here's how to have your tax refund direct deposited to a Brink's Money Prepaid Mastercard.
- Order a Brink's Money Prepaid Mastercard and it will arrive in about 7–10 business days . If you already have a Card, log in to your Card Account to get your Account Number and Routing Number and go to step 3.
- Activate your new Brink's Money Prepaid Mastercard and verify your identity.1
- When filing your taxes, put your Account Number and Routing Number in the designated fields (shown below) and indicate 'Checking' as the account type. If you have a professional tax preparer, give them these numbers.
ATTENTION JOINT FILERS: Please make sure both parties are listed on the Card Account.
Order Your Card Go To My Account
Direct Deposit Your Tax Refund
Direct Deposit Your Money to Your Brink's Money Prepaid Card Account!
With Direct Deposit, you don't have to wait in line to cash your check, pay checking cashing fees, or worry about a paper check being lost or stolen. It's convenient and faster4 than waiting for a paper check in the mail! Use Direct Deposit for your tax refund…and for all your payroll and benefit checks too.
What It Costs
The information you need, right up front.
These are some of the most common fees associated with the use of your Card. For a complete list of fees, please refer to the fee schedule in the Cardholder Agreement.
Plus, when you Direct Deposit at least $500 in payroll or government benefits in a calendar month onto your Brink's Money Prepaid Card, you're eligible for the Reduced Monthly Plan5. With the Reduced Monthly Plan you get:
- Purchase transactions for just $5 per month (compared to $9.95)5
- You could be covered when you're a little short with our $10 Purchase Cushion6
- Access an optional Savings Account that earns up to 5.00% APY7
All fee amounts will be withdrawn from your Card Account, except where prohibited by law. NOTE: Fees assessed to your Card Account balance may bring your Card Account balance negative.
| Three Plan Fee Options: | Pay-As-You-GoSM Plan + | Monthly Plan | Reduced Monthly Plan +++ |
|---|---|---|---|
| Plan Fee | No Fee | $9.95 per month | $5.00 per month |
| Signature Purchase Transaction Fee ++ | $1.50 | Included in Plan | Included in Plan |
| PIN Purchase Transaction Fee ++ | $1.50 | Included in Plan | Included in Plan |
| Foreign Transaction Surcharge | 4.0% of the U.S. Dollar amount of the purchase transaction. | 4.0% of the U.S. Dollar amount of the purchase transaction. | 4.0% of the U.S. Dollar amount of the purchase transaction. |
- + The Pay-As-You-Go Plan is automatically effective on your Card Account when you first obtain the Card. If you wish to change to another Plan, just call 1 (877) 849‐3249 or visit BrinksPrepaidMastercard.com.
- ++ During checkout, select "CREDIT" on the keypad to make a Signature Purchase, or select "DEBIT" and enter your PIN to make a PIN Purchase.
- +++ To qualify for the Reduced Monthly Plan, your Card Account must receive qualifying direct deposits of paychecks and/or government benefits totaling at least $500 in one (1) calendar month.
| Withdraw Cash (See our tip on how to avoid ATM fees below) | |
|---|---|
| Over-the-Counter Cash Withdrawal Fee at a financial institution (also referred to as the "OTC Withdrawal Fee") | $3.00 per withdrawal. A fee may also be assessed by a financial institution that is not a Mastercard member financial institution. |
| Over-the-Counter Cash Withdrawal Fee at a Netspend Reload Network location (also referred to as the "OTC Withdrawal Fee – Reload Network") | Up to the Greater of 2.75% of the withdrawal amount or $4.00 per withdrawal. Fee may be either a flat fee or a percentage of the withdrawal amount. Fee is determined and assessed by operator of Netspend Reload Network location, and varies depending on location and amount of cash withdrawn. This is a third-party fee and is subject to change. |
| ATM Withdrawal Fee - Domestic | $2.50 per withdrawal, plus ATM owner fees, if any. |
| ATM Withdrawal Fee - International | No Fee. |
| Foreign Transaction Surcharge | 4% per foreign transaction. Calculated based on the U.S. Dollar amount of the purchase transaction or cash withdrawal. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. |
| ATM Transaction Decline Fee - Domestic or International | $1.00 per declined transaction. You may also be charged a fee by the ATM operator. |
| Tip to avoid ATM fees: Select "DEBIT" and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. | |
| Add Money to your Card Account | |
|---|---|
| Direct Deposit (ACH Deposit) | No Fee. |
| Cash Reload at a Netspend Reload Network Location | Up to $3.95 per load. Fee is determined and assessed by operator of Netspend Reload Network location, and varies depending on location. This is a third-party fee and is subject to change. |
| Mobile Check Load Fee - Standard | This is a third-party fee and is subject to change. Standard text message or data rates may apply. |
| Mobile Check Load Fee – Expedited (Government and Payroll Checks with a Pre-printed Signature) | Greater of 2.0% of total check amount or $5.00 per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. Standard text message or data rates may apply. |
| Mobile Check Load Fee – Expedited (All Other Accepted Check Types) | Greater of 5.0% of total check amount or $5.00 per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. Standard text message or data rates may apply. |
| Move Money to and from your Card Account | |
|---|---|
| Western Union Money Transfer® | Fee varies Per transfer. Fee to send money is determined and assessed by Western Union. No fee to receive money on your Card via Western Union Money Transfer. This is a third-party fee and is subject to change. |
| Account-to-Account Transfer Fee via Website | No Fee. www.brinksprepaidmastercard.com. |
| Account-to-Account Transfer Fee via CS Agent | $4.95 per transfer via Customer Service Agent. Fee is assessed to transferor's account when the transfer is processed. |
| Me-to-Me Transfer – Inbound | No Fee. Transfer of funds via ACH from your bank account at another financial institution to your Card Account. |
| Me-to-Me Transfer – Outbound | $3.00 per transfer. Transfer of funds via ACH from your Card Account to your bank account at another financial institution. |
| Check Your Balance: | |
|---|---|
| Balance Inquiry Fee – Online Account Center | No Fee. |
| Balance Inquiry Fee – Email or Text Message | No fee; standard text message or data rates may apply. |
| Balance Inquiry Fee – Telephone Automated Service | No Fee. |
| Balance Inquiry Fee – Telephone CS Agent | No Fee. |
| Balance Inquiry Fee – ATM Domestic | $0.50 each, plus ATM owner fees, if any. |
| Balance Inquiry Fee – ATM International | No Fee. |
| Manage Your Account: | |
|---|---|
| Check Request Fee | $5.95 for processing and mailing of a return of funds check at Card Account closure. Refund checks are not issued for balances of less than $1.00. If your Card Account balance will be reduced to less than $1.00 after the Check Request Fee is debited, the Check Request Fee will be waived. |
| Additional Statement Mailing Fee | No Fee. |
| Additional Card Fee | No Fee. |
| Replacement Card Fee | $9.95 per lost, stolen, or damaged Card replaced. |
| Card Delivery Fee - 7-10 Business Days | No Fee. |
| Card Delivery Fee - 3 Business Days | $20.00, assessed when processed. |
| Card Delivery Fee - 1-2 Business Days | $25.00, assessed when processed. |
| Account Maintenance Fee (also referred to as the "Account Inactivity Fee") | $5.95 per month. Fee applies if there are funds in the Card Account and the Card Account has had no activity, i.e., no purchases; no cash withdrawals; no load transactions; and no Balance Inquiry Fee for ninety (90) days. If enrolled in the Monthly Plan and your Card Account has had no activity as described above, this fee applies instead of the Monthly Plan Fee. |
| Make Payments: | |
|---|---|
| Bill Payment Fee | You can see a full range of options, including Automated Clearing House (ACH) Payments and MoneyGram® Bill Payment Service, in your Online Account Center. Depending on the bill payment service you select, a fee may be assessed to your Card Account and will be disclosed to you prior to use of the service. Certain fees are determined and assessed by third-party service providers. |
| ACH/Preauthorized Payment Transaction Decline Fee | $1.00 per declined ACH transaction |
| Stop Payment Fee | No Fee. |
| Optional Features: | |
|---|---|
| Custom Card Fee | $4.95 per Custom Card, if available. |
Add Money
Adding money to your Brink's Money Prepaid Mastercard is convenient. Visit one of the over 130,000 Netspend Reload locations3, transfer2 money from a qualifying bank account, or get paid up to 2 days faster8 with no-cost Direct Deposit.
Direct Deposit your paycheck to:
- Get paid up to 2 days faster8
- Save time – don't wait in line to cash your check
- Save money – don't pay fees to cash your checks
- There's no cost9 to enroll
Get more with the Reduced Monthly Plan
Direct Deposit more than $500 in payroll or government benefits in a calendar month and you'll be eligible for the Reduced Monthly Plan, our plan with the most features. Just $5 a month (compared to $9.95) for purchase transactions!5
Convenient ways to Transfer Money2
You can add money to your Brink's Card from an existing bank account or from another Brink's Card. Find out how.
Nearby Reload Locations
Take cash to any of the over 130,000 Reload Locations in the Netspend Reload Network load it to fund your card.
Use Your Card
Your money is available wherever you are.
Wherever you are, so are we.
Use your Brink's Money Prepaid Mastercard to shop online, in stores, on the phone… basically anywhere Debit Mastercard is accepted!
You can use your Brink's Money Prepaid Mastercard to pay for just about anything. Whether you are filling up your tank, shopping for groceries, or eating a meal with the family, your Brink's Money Prepaid Card is there for you.
Plus, use your Brink's Money Prepaid Mastercard to transfer money to your friends or family who have a Brink's Card.2
Pay Your Bills
Conveniently pay your bills over the phone using your Brink's Money Prepaid Mastercard, or take advantage of the bill payment services in the Online Account Center.9
Maximize Your Money
Peace of Mind
Order a Brink's Money Prepaid Mastercard and get the peace of mind you deserve. Take advantage of the convenient features that help take the stress out of managing your money so you can spend time on the important things, like friends, family and everyday life!
Reduced Monthly Plan
Just direct deposit $500 or more in payroll or government benefits in a calendar month to your Card Account. As soon as you do, you are eligible for our Reduced Monthly Plan (just $5 per month compared to $9.95)5, plus you get:
- You could be covered when you're a little short with our $10 Purchase Cushion6
- Access to a Savings Account that earns up to a 5.00% APY7
Learn More >
Get Rewarded
Use your Card at qualifying places and you could earn cash back offers back to your Card Account.
Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit.
1 IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver's license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
2 Fees for bank transfers are determined by the transferor's bank and may be charged to the transferor's bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Brink's Customer Service agent.
3 The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend's licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
4 Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit https://www.irs.gov/refunds.
5 The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. Neither Plan Fee option includes any other fees. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly Plan. After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. Pay- As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it.
6 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.
7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
- If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.
- If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.
The interest rates and APYs of each tier may change. The APYs were accurate as of . These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated up to the maximum ammount permitted by law upon receipt of funds by the Issuer.
8 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.
9 While this specific feature is available at no cost, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement or Online Account Center for more details.
10 Bill payments may be subject to fees. Details about bill payment methods are available in the Online Account Center.
The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Netspend is a registered agent of Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Card may be used everywhere Debit Mastercard is accepted.
© Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.