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How does prepaid card work? Understand the AcessCard rechargeable card | Internet

AcessoCard is a refillable prepaid card that works like a common debit card, allowing you to make purchases in physical or virtual stores, withdraw cash, pay bills and make transfers to other branded cards. The Access card application, available for Android and iPhone (iOS), has the function to charge the cell phone and the transport ticket, in addition to monitoring the balance.

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To use the AcessoCard, I need to add the amount of recharge you want to the card by bank slip, debit card, identified deposit, DOC or TED or at Access partner stores. The prepaid card has a Mastercard banner, and an international chip to be used even outside the country, but it is not possible to install purchases in Access. Want to know more about the prepaid card? Below are eight questions and answers about the AcessoCard.

The Access application allows you to carry out prepaid card transactions Photo: Marcela Franco / TechTudoThe Access application allows you to carry out prepaid card transactions Photo: Marcela Franco / TechTudo

The Access application allows you to carry out prepaid card transactions Photo: Marcela Franco / TechTudo

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1. What and how does the AcessoCard work?

Access is a prepaid card, so I need to charge it first to use it for purchases. To buy the card, you need to access the sales page (comprarcartoo.meuacesso.com.br) and select which of the available cards you want.

Transactions such as transfers between brand cards, cell phone recharges and access to statements and others can be made through the Access application. Card recharges can be made by: bank slip; DOC and TED; deposit and in accredited stores, such as Po de Acar and Extra.

Get to know the prepaid credit card Access Photo: Divulgao / AcessoGet to know the prepaid credit card Access Photo: Divulgao / Acesso

Get to know the prepaid credit card Access Photo: Divulgao / Acesso

2. What are the AccessCard rates and limits?

Although almost all transactions are made online and through the application, AcessoCard charges some fees from users. The monthly fee for card management is R $ 5.95, but the amount is not charged if there is no balance on the card. The free recharge rate via DOC, TED, boleto, debit and deposit from R $ 500.

J to recharge less than R $ 500, the recharge fee 2.50. Meanwhile, to recharge in partner networks, the user must pay R $ 6.50. The fee for withdrawals from ATMs is R $ 8.95 (per withdrawal).

Charge rate

Charge rate (above R $ 500)Free
Charge rate (below R $ 500 per ticket or charge)R $ 2.50
Charge rate (via TED / DOC)Free
Charge rate (in affiliated stores)R $ 6.50

There is no subscription fee for the virtual card and other cards with a top-up charge of R $ 100. However, a fee of R $ 14.95 is charged for cards with a charge of less than R $ 100. The daily limit for top-ups via boleto and account debit of R $ 1 thousand, and the monthly recharge limit per CPF R $ 9 thousand. The withdrawal is limited to twice a day up to R $ 1 thousand reais. The minimum charge is R $ 10.

3. What are the features of the card?

The international access prepaid card, which allows purchases abroad. The company offers two card options: virtual and physical, the first being only for online purchases. You can withdraw money from Banco24horas ATMs with AcessoCard. On the outside, withdrawals can be made at CIRRUS ATMs. It is worth remembering that it is not possible to split purchases on the prepaid card.

4. What are the functions of the app?

From the Access application, it is possible to recharge cell phones and transport tickets, make transfers between Access cards, pay bills, view statements and balance, and even generate a bank slip to recharge the card.

Access App allows you to recharge your cell phone Photo: Divulgao / AcessoAccess App allows you to recharge your cell phone Photo: Divulgao / Acesso

Access App allows you to recharge your cell phone Photo: Divulgao / Acesso

5. How to recharge the AcessoCard?

It is possible to recharge the AcessoCard by bank slip, bank account, identified deposit, DOC or TED and at partner stores and supermarkets. To load the card by boleto in the app, tap on Recharge card and then on bank slip. Choose the amount of the recharge and, finally, tap on generate bill. The code can be copied or sent by email to make the payment.

The debit option is available to Ita and Banco do Brasil customers. In the identified deposit option, the user must go to one of the accredited banks (Ita, Bradesco or Banco do Brasil) and make the deposit in cash in the bank account.

Via TED or DOC, the customer must transfer the desired amount to the Santander Access account. In physical stores, the loading must be done in partner networks such as Extra and Po de Acar, with the option of deposits ranging from R $ 10 to R $ 500.

Access application allows you to check your prepaid card balance and top-up Photo: Divulgao / AcessoAccess application allows you to check your prepaid card balance and top-up Photo: Divulgao / Acesso

Access application allows you to check your prepaid card balance and top-up Photo: Divulgao / Acesso

6. How does a prepaid card work compared to a debit card?

Although the debit card and the prepaid card have similarities, as they are based on account balance, the biggest difference is in the function. The debit card linked to a current account from which the balance to be used comes from, while the prepaid is recharged by the user with specific amounts.

It is worth remembering that, while the debit card is used in debit cards, the prepaid card uses the credit function. Because of this, it is also possible to make purchases on the Internet with the prepaid card, something impossible with the debit card.

7. What are the disadvantages of AcessoCard in relation to other cards?

AcessoCard does not accept installment purchases. In addition, it is only possible to make purchases on the prepaid card if the customer has an account balance. Moreover, AcessoCard has a card management fee, something not very common in digital banks.

8. Where to buy an AcessoCard and request a prepaid card?

To buy your own AcessoCard, access the card sales page (comprarcartao.meuacesso.com.br), and choose between the virtual card or the physical card. Then, fill in the fields with the CPF, e-mail and create a password. Then, the user must provide some personal data to complete the process. Pay special attention to the address gap, as this is where the card will be delivered.

Get the Access Card without bureaucracy and in a few steps Photo: Reproduo / Marcela FrancoGet the Access Card without bureaucracy and in a few steps Photo: Reproduo / Marcela Franco

Get the Access Card without bureaucracy and in a few steps Photo: Reproduo / Marcela Franco

When the card arrives, I need to activate the AcessoCard through the brand website (meuacesso.com.br/ativar). From then on, just create an Access account and log in to check information about the prepaid card.

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