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Excella Card/ InPower Prepaid Card

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inpower card

Excella Prepaid Card


Excella prepaid debit card is a prepaid Visa debit card that is only sold in New York City. Even though it can only be purchased in NYC, it can be used in retail stores around the U.S.. The Excella prepaid debit card can also be used on any online retailer that accepts Visa & MasterCard. Like many other prepaid cards we’ve listed, the Excella card uses Bancorp Bank.

Purchasing an Excella prepaid card is as easy as it could be. If you walk into any of the 150 Payomatic retail locations in New York then you can pick up a non-personalized card. There are no approval or checking fees and consumers are also not required to have a bank account or go through a background check in order to be an Excella card holder.

Loading money onto your Excella prepaid card can be done in a few ways:

  1. Retail Location – Excella prepaid debit cards can be loaded by depositing cash at any Payomatic retail store, Western Union locations, and Green Dot reload centers. All of these locations can be found using our neat locator Reload Center.
  2. Direct Deposit – A cheaper way to reload your Excella prepaid debit card is through direct deposit. To set this up, you just have to fill out the necessary paperwork, provide the account & routing numbers located in your account, and hand this to your employer. With direct deposits consumers are able to gain access to their paycheck up to 2 days earlier.

The Excella prepaid debit card is FDIC (Federal Deposit Insurance Corporation) insured. This means that in the event your prepaid debit card is stolen or lost, the charges incurred will not be held against you. This falls under the Visa zero liability policy.

One of the main things that we dislike about the Excella prepaid debit card is that the service fees can go as high as $10 a month.

Excella prepaid debit card is a good choice for individuals who are interested in limiting their spending or maintaining a budget.

InPower Prepaid Debit Card

Its important for us to note that Excella has recently been favoring their new InPower prepaid card which is sort of a re-brand of the Excella, but not technically. What do we mean by that? Well if you go to the official Excella website ( you will be redirected to the official InPower prepaid debit card website (

However, there has been no announcement of any discontinuation of the Excella card. Both InPower & Excella cards are owned by Payomatic. Payomatic allows current Excella card holders to transfer their account over to InPower. If you are a consumer who has an Excella savings account you must close that account to be able to transfer over to the InPower card.

We hope that you've found this review of the Excella and InPower prepaid cards valauble! If you're interested in reading more reviews of prepaid cards, please subscribe below to get alerted of new articles as we write them!