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OneVanilla Prepaid & MyVanilla

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OneVanilla Card

OneVanilla Card

OneVanilla Card

There are so many debit cards on the market today that it can be difficult to differentiate them. The OneVanilla prepaid visa card, however, has done a great job standing out. OneVanilla is one of the most popular prepaid card that allows you to load money onto the card at the cash register (participating retailers can be found here).

The funds are usually ready for immediate use and no personal information such as name, address or social security number is required. OneVanilla allows consumers to purchase products and services online completely anonymously. Many businesses online use the credit/debit card zip code as a security feature during checkout.

With OneVanilla, you can assign a zip code to your card. OneVanilla users do not have ATM access and cannot get cash back. We love the OneVanilla prepaid visa card simply because of its ease-of-use and it does not require us to register the card. Here are some other benefits of the OneVanilla prepaid visa card:

  • No credit check
  • No personal information required (anonymous)
  • Ready to use immediately
  • No fees included


OneVanilla Card Declined Online

If you're OneVanilla card was declined when attempting to purchase something, one of three things happened. You either ran out of funds which is more than likely what happened, the cashier made an error when loading funds onto your OneVanilla card (less likely to happen, but it does happen) or the transaction you attempted to make doesn't allow this type of prepaid card. Below we dig deep into each situation and help you solve or understand why your OneVanilla card was declined.

Here's What You Should Do

"Insufficient Funds"

Visit OneVanilla official website at and enter your card number. The OneVanilla website will show you how much money is currently available on your card. If there is money available, then we know it's not an "insufficient funds" error.

"Cashier Error"

When you first purchase your OneVanilla card the cashier has to swipe your card at the register, enter your load amount and enter some codes to successfully add funds to the card. It is common for your receipt to verified that funds have successfully been loaded onto your card.

Look at your receipt and search for something that says "confirmation", "accepted" or something similar. The transaction code should also be located on the receipt as well. This code can be traced and will be helpful when contacting OneVanilla or the store manager for assistance.

"Prepaid Cards Not Accepted"

Visa & Mastercards are accepted at most merchants online and offline, however there is a an exception with OneVanilla card. The OneVanilla card is a pretty anonymous card. When you purchase it at the store and load funds onto it you can start using it right away without ever creating an account with your name, address, or social security number attached to it. Because they are anonymous some merchants do not allow this type of card to be used make purchases at their store. These stores specifically look for the buyer's credit/debit card zip code number. If there is no zip code number they will decline the transaction.

How Much Does OneVanilla Cost?

OneVanilla has a $3.95 activation fee when you first add funds onto the card. After the activation fee there is no other associated fee. OneVanilla is a non-reloadable prepaid card, so you will have to purchase a new card once funds have been depleted from the old one and the $3.95 fee will be applied again.

Can You Reload a Onevanilla Prepaid Visa Card?

No, you cannot reload a OneVanilla prepaid Visa card. OneVanilla prepaid Visa cardholders can only load funds during the initial checkout at the cash register. Once the funds have been depleted, the OneVanilla prepaid Visa card becomes useless and the user will have to purchase another OneVanilla Prepaid Visa card again.


MyVanilla Card (Being Discontinued)

MyVanilla Card

Note: There are rumors that the MyVanilla Card is being discontinued. The official website for the MyVanilla Card is blank and users that have purchased MyVanilla from the stores are reporting an "Identification Error" when trying to activate the card. However, there has not been an official message from the company that the card is being discontinued. We will update this article when more information is available.

MyVanilla is a debit card that give consumers all the features and benefits of a typical debit card. Unlike American Express Serve and other debit cards MyVanilla does not charge a monthly fee. However, they do charge a loading fee of $3.95 (you can find the nearest location here). The loading fee is pretty standard for reloadable debit cards, so nothing out of the new here. Below we listed other benefits of the MyVanilla debit card:

  • No Monthly fee
  • $0.50 fee for signature and pin transaction
  • $1.95 Domestic cash withdrawal fee (US)
  • No credit check
  • Reloadable
  • Free direct deposit
  • ATM access
  • FDIC Insured
  • Ability to set up recurring payments

MyVanilla Sign Up Process

MyVanilla Card

MyVanilla sign up process is a quite bit more complex than other prepaid card providers. You are asked the typical information such as full name, address and phone number. However, unlike most other prepaid card sign ups MyVanilla requires you to confirm your Identity by using your social security number and asking questions about your past that only you should know. This identification process is commonly used for high level services and government services. I felt like it wasn't needed just to sign up for a prepaid card.

Is My Vanilla Card Safe

MyVanilla prepaid card

MyVanilla Card is 100% legit and it's a safe card to use however we will caution users to read over the terms of service when choosing this or any prepaid card. If you have large amounts of money coming in and would like to put that money on a prepaid card, MyVanilla may not be the best choice. The MyVanilla website sometimes is inaccessible and cardholders have made complaints that the customer service isn't that great.

We hope that you've found this review of the OneVanilla Prepaid Card to be valuable! If you're interested in reading more, please subscribe below to get alerted of new articles as we write them or read our other prepaid card reviews!