Introducing the Kaiku Card: A Low-Fee Prepaid Debit Card

May 19, 2015

Using the Kaiku Prepaid Debit Card to set and stay on budget!

If you’re paying down your debts and really struggle to stick to a budget, and a cash system just doesn’t do it for you (because ahem, going to the bank and withdrawing cash before going out can be a hassle!) prepaid debit cards may be an option.

Additionally, if you are budgeting on behalf of someone else- like a young adult who is learning how to budget and earning an allowance, a debit card can be a fun way to teach intelligent habits with plastic!

Since I’m going on a cruise in a few weeks, having a prepaid debit card is a bit more convenient than carrying cash around Boston and Bermuda, but it also can help me cap my spending since I have a tendency to spend more than I budget on cocktails and clothes when I travel.  Plus, the Kaiku card account is customizable on their app, and so is the card (you can pick your colors) so it’s really geared for a younger crowd that wants a prepaid card that’s tailored for their lifestyle.

Here are some perks to the Kaiku Prepaid Debit Card:

Review of the Kaiku Card

Before I leave on my cruise, I tested out the card at a local eatery (emmm BBQ) and while I was out running errands this past weekend.   The card is secure, so you can use it to pick up your bar tab, or when you make a Target run.  Like any debit card, you have a pin that you choose, and you can reload funds pretty quickly if needed.  Also, a cool feature on the app is the ability to reload via depositing checks via the app!  If someone writes you a check, you can snap a shot of the check through the app and reload your card via direct deposit..easy peezy! Kaiku card review

Tested the Kaiku card on my Target run…super easy!

There are only two fees: a low monthly maintenance fee  ($3) and an out-of-network ATM fee. If you avoid out-of-network ATMS then it’s just $3 a month – and that’s easy to do, since this card may be used at any of the 55,000 Allpoint surcharge-free ATMs worldwide.

Kaiku Card

The app has a lot of social features that make it comparable in convenience to my regular bank- direct deposit by phone on their app, friend-to-friend transfers (to pay your besties back for concert tickets or send them some birthday cash) and easy maintenance on the app…making it super easy to use and a great tool for budgeting and money maintenance that you can live with!


If you’d like more information on the Kaiku Prepaid Debit Card, check out their website or on their Facebook page!



I was given the Kaiku card to review, on behalf of Kaiku Finance, LLC. with Visa Clear Prepaid Designation. All opinions and all mason jar cocktails are my own.



12 comments so far.

12 responses to “Introducing the Kaiku Card: A Low-Fee Prepaid Debit Card”

  1. Chonce says:

    Thanks for reviewing this! I would love to transition to a cash only budget but I rarely ever carry cash on me and I just don’t like the idea of having all my money out and possibly misplacing it. This sounds like a nice alternative.

  2. This is so fantastic! I’m in the process of paying off debt, and I’d love to have a separate account for my “fun” money so I don’t spend what I have set aside for bills each month. Thanks for sharing!

  3. Becca says:

    Oh this is cool! I didn’t think of budgeting with a debit card!

  4. Lianne says:

    This can be a good thing for my next trip. Great way to avoid over-spending.

  5. Hmmm I wonder if I could get my husband to use this! We both never have cash and use credit cards to pay for everything, and pay those off at the end of the month. Problem is I’m a SUPER tightwad so I always have enough money to pay them off each month, but he is cutting it close every month. It’s a slippery slope into credit card debt! This would be the perfect solution.

  6. Kyle says:

    I’ve spent all morning reading your posts and writing down notes (I literally started at 6am today). Thank you for this blog especially since I never carry cash but would love to be on a cash based system. Two more things: Chicago is my 2nd favorite city (Bears fan living in Tennessee) and we love pugs…boyfriend says he wants a “grumble” of pugs. 🙂

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