Newbie Guide to Manufactured Spending: Green Dot MoneyPak

Green Dot Moneypak Reload Options

I have yet to find a merchant that allows credit cards as a payment option on Green Dot Moneypaks, but your experience may vary. Moneypaks can generally be found at drugstores, gas stations, and grocery stores in increments of up to $500. I did find a RiteAid in Downtown Oakland that sold these fee free and accepted debit cards – this is pretty much only lucrative if you can use the Suntrust Skymiles debit card, which pays out 1 mile per $1 spent.

Fees: $4.95 per $500

Where to buy: Drugstores (CVS, RiteAid, Walgreens), Walmart, Grocery stores, 7-Eleven

If you can manage to buy Moneypaks with a mile-earning credit card, there are several prepaid card options for unloading the balance. Below are the cards with the lowest recurring fees:

1. Green Dot Prepaid Card 

Green Dot Prepaid Card MoneyPak

 

 

 

 

Reload Limit: $2,500 per day/$10,000 per month

Fees: $5.95 monthly fee (waived if you load at least $1,000 per billing cycle), $4.95 card purchase fee (waived if you order it online)

Where to buy: Walmart, CVS, grocery stores

How to Cash Out: ATM, Bill Pay, Money Order, Cash back at the register, Square Cash

2. Paypal account 

Paypal MoneyPak Manufactured Spending

 

 

 

 

Reload Limit: $4,000 per month

Fees: $0

How to Load: Simply go to the MoneyPak website and select “add money to Paypal.” You’ll be prompted to enter your Paypal login information and then enter your MoneyPak number to complete the load.

How to Cash Out: Bank transfer, or pick up a Paypal Business Mastercard and use that to buy a money order, send money via Amazon payments, or load onto Bluebird.

3. American Express Serve

American Express Serve Card

 

 

 

 

Reload Limit: $1,000 per day/$5,000 per month with MoneyPaks, $200 per day/$1,000 per month with credit cards

Fees: 

  • $2.95 fee if you purchase the card in-store
  • $1 monthly fee (waived in NY, TX, VT) waived any month at least $500 is loaded, or the card is added to your Isis Mobile Wallet
  • 2 ATM fee (first ATM withdrawal every month is free)

Where to buy: Online, CVS, 7-Eleven

How to Cash Out: ATM, Amazon Payments, Bill Pay feature

Please note, you cannot have both a Serve and Bluebird account at the same time. American Express Serve can be loaded with mile-earning credit and debit cards, though some credit card companies will treat this as a cash advance. In this case, the transaction will incur fees and you will not earn any points.

In addition to Green Dot Money Paks, there is another type of reload card called the Green Dot Cash Reload. This card can only be loaded onto Green Dot Prepaid cards, and the fees are the same as for Green Dot Money Paks.

4. ADP TotalPay cards

ADP TotalPay card

Reload Limit: $1,100 per day/$2,400 per month

Fees: $3 ATM fee when you go outside the Allpoint network

Where to buy: Online

How to Cash Out: Amazon Payments, ATM, bank transfer, bill pay feature, cash back at grocery store registers, money order, Square Cash

Note: I will receive a small referral fee if you sign up for the Serve card using the affiliate link in this post.

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24 thoughts on “Newbie Guide to Manufactured Spending: Green Dot MoneyPak

  1. It’s strange that CVS accepts credit cards for VRs but not Moneypaks, and some 7-11s accept credit cards for Paypal My Cash cards but not Moneypaks.

    • I think there’s actually a disclaimer on the back of the Moneypaks instructing cashiers to accept cash only. It does seem to be a universal policy everywhere they are sold.

      • I do this at my local Rite Aid a few times per week and have had no issues paying with a credit card. Two other locations have challenged me, one relented and the other did not. Regardless of the disclaimer, reloads via CC are available and I do it all the time, but picking your location and being able to navigate the conversation should it arise is key to success.

        • Consider yourself lucky, Kyle. I’ve never been able to buy Moneypaks with anything other than a debit card. There’s actually “cash only” printed on the card, so a lot of cashiers won’t accept credit cards. I agree with your statement though.

  2. CVS’s are coded at the machine to take only cash. A CVS attendant more than obliged to allow me to purchase with a CC but the billing system wouldn’t allow it :)

  3. Still not working. I am referring to the link to: prepaid cards and how to get rid of them. Other links work well. Thx for the posts.

  4. I’m curious about GoBank which is by Green Dot that also provides the Moneypaks. Any reason you do not list it as one of the moneypak unload options?

    Love your site and love to read about your travels!

    • You can only load to GoBank with a Moneypak for the first initial load and none after that. I tried GoBank and this was my experience after trying and then calling customer service. If anyone has any insight on this matter though, I would be open to a way to do it since I already have the account.

  5. Can you please check if the ADP card link is working? I tried using that link, but it gives me an error while loading the page, it does not load anything. TIA.

  6. Hi, is there any advantage to scanning your R.A. wellness card when buying GDMP? Or would you recommend not doing that so as not to draw attention to R.A.? Thanks

    • I would personally avoid it – it’s another tracking mechanism and it’s best to stay off the radar when you’re buying/churning gift cards.

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