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The field of prepaid credit cards is large, with numerous companies offering their own unique brand of services. Mango Financial's tagline is "The fresh way to manage money. It's prepaid made perfect." Though perfection is remarkably hard to attain, this prepaid credit card is extremely flexible and feature-rich. That is why we have given Mango our TopTenREVIEWS Gold Award. Some features and services we are particularly impressed with are the ability to add money to your account via PayPal, the included savings account for all members and the resource-rich "MangoGrove," featuring helpful videos and articles with instructions on how to best manage your finances.

Mango separates itself from the field in many respects. No credit check is necessary – a definite perk to those possessing less than great credit. Mango is clearly interested in helping its customers secure a brighter and more optimistic financial future. This alone lends credibility to Mango Financial and its stellar line of products.

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Fees & Charges
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9.4/10
Mango
NetSpend
AccountNow
Vision Premier
Green Dot
READYdebit
BankFREEDOM
Walmart MoneyCard
RushCard
MiCash MasterCard
9.4
9.4
8.8
8.8
8.8
7.5
8.1
8.8
8.1
8.1

Like any profitable and well-managed business, Mango focuses what you can do for free with your prepaid credit card. Some of these items include:

  • No direct deposit fee
  • No purchase fee
  • No bank transfer fees (your bank may charge a fee)
  • No customer service fees
  • No wireless alert fees (your wireless provider may charge a fee)
  • No sign up or activation fees

Unfortunately, not all that glitters is gold. Fees are accrued using Mango's prepaid credit card, just as fees are accrued using every other prepaid debit or credit card. To soften the blow, Mango proudly states, "Our goal is to help you get more out of your money, which is why we charge you only what we have to."

Using Mango's automated phone system enables you to not only check your account balance, but aides you in keeping track of your money more efficiently. Fortunately, you can either check your balance by connecting to a live representative or by ATM. Choosing to access your account through the automated phone system will cost you $ 0.50, but this can be avoided by checking your account online, or by using the YAP mobile feature to get the information sent via text.

The transaction cycle for Mango's prepaid credit card is 30 days. Customers are required to load a minimum of at least $500 per calendar month, or face a $5.00 monthly fee. Should you find yourself needing to withdraw cash, you can do so using an ATM. Just be prepared to be charged $2.00 by the prepaid card each time you withdrawal. This does not include any fees levied by the ATM itself.

You may use your Mango prepaid credit card both nationally and abroad. Using your card internationally will result being charged two percent of the total purchase. Opting to use an ATM overseas will result in the $2.00 charge, plus two percent of the total withdrawal.

Flexibility
Compare
9.4/10
Mango
NetSpend
AccountNow
Vision Premier
Green Dot
READYdebit
BankFREEDOM
Walmart MoneyCard
RushCard
MiCash MasterCard
9.4
8.8
9.4
8.1
8.1
8.1
7.5
7.5
7.5
7.5

Versatility is really the hallmark of this prepaid credit card. Everyone from stay-at-home moms to business executives can benefit from all the features associated with this card. Two flexible features that caught our eye:

Mobile – The iPhone app allows you to check your balance, send money, track expenses and manage your prepaid credit card. Unfortunately, there is no Android app at this time. We hope this will be added in the future.

Virtual card – We really enjoy the concept of a virtual card. This allows you to make purchases online without having to divulge your Mango card number. Mango illustrates the example of using a virtual card with online gaming. The virtual card has a secure account number, security code and expiration date. You also have the ability to use your virtual card to put cash on your Mango card.

Features
Compare
10/10
Mango
NetSpend
AccountNow
Vision Premier
Green Dot
READYdebit
BankFREEDOM
Walmart MoneyCard
RushCard
MiCash MasterCard
10
8.8
8.8
8.8
7.9
8.8
8.1
7.5
8.1
8.1

A prepaid credit card is ideal if you're facing financial difficulties such as poor credit and debt. Trying to re-establish credit and escape debt is nearly impossible through traditional means. Trying to secure credit through traditional means is difficult, if not nearly impossible. That is why Mango Grove is such a terrific feature. Even those who do not possess a Mango prepaid credit card can access this goldmine of information. While Mango Grove is technically a blog, it really is so much more. Thousands of articles on managing money are literally right at your fingertips. Thankfully, this information is presented in an enjoyable way, and won't lull you to sleep. Mango Grove's wealth of information is unique to the prepaid credit card or /debit card field.

The savings account feature also impresses us. Mango's competitors do not offer this feature, and better yet, one dollar is all it takes to open an account. Setting up the direct deposit feature is effortless. Mango can grant 6 percent APY on up to $5,000 for active cardholders who choose this option. Anything above $5,000 returns only 0.010 percent. If you are not enrolled in direct deposit, you will still get 2 percent APY. Mango's fine print does state these percentage rates can change at any time.

Recharge Account
Compare
9.4/10
Mango
NetSpend
AccountNow
Vision Premier
Green Dot
READYdebit
BankFREEDOM
Walmart MoneyCard
RushCard
MiCash MasterCard
9.4
10
8.8
8.1
8.8
8.8
8.1
7.5
7.5
7.5

Like any profitable and well- managed business, Mango focuses what you can do for free with your prepaid credit card for free. Some of these items include:

  • No direct deposit fee
  • No purchase fee
  • No bank transfer fees (your bank may charge a fee)
  • No customer service fees
  • No wireless alert fees (your wireless provider may charge a fee)No sign up or activation fees

Unfortunately, not all that glitters is gold. Fees are accrued using Mango's prepaid credit card, just as fees are accrued using every other prepaid debit or credit card. To soften the blow, Mango proudly states, "Our goal is to help you get more out of your money, which is why we charge you only what we have to."

Using Mango's automated phone system enables you to not only check your account balance, but aides you in keeping track of your money more efficiently. Fortunately, you can check your balance either by are either connected connecting to a live representative or by ATM. Choosing to access your account through the automated phone system will cost you $0.50, but this can be avoided by checking your account online, or by using the YAP mobile feature to get the information sent via text.

The transaction cycle for Mango's prepaid credit card is 30 days. Customers are required to load a minimum of at least $500 per calendar month, or face a $5.00 monthly fee. Should you find yourself needing to withdraw cash, you can do so using an ATM. Just be prepared to be charged $2.00 by the prepaid card each time you withdrawal. This does not include any fees levied by the ATM itself.

You may use your Mango prepaid credit card both nationally and abroad. Using your card internationally will result being charged two percent of the total purchase. Opting to use an ATM overseas will result in the $2.00 charge, plus two percent of the total withdrawal.

Help & Support
Compare
9.4/10
Mango
NetSpend
AccountNow
Vision Premier
Green Dot
READYdebit
BankFREEDOM
Walmart MoneyCard
RushCard
MiCash MasterCard
9.4
8.8
8.8
7.5
8.1
8.1
8.1
7.9
7.9
7.5

Not surprisingly, Mango offers superlative customer service. The service center's FAQs section is comprehensive and well organized, so you can access what you need at a moment's notice. The service center also includes a convenient search bar should you not find your question listed among the others.

Mango is happy to answer your questions via email or through the customer service phone line. Email and phone support are provided as well Monday through Saturday, 9 a.m. to 6 p.m. CST.

Mango Summary:
9.5/10

Mango has us impressed on so many levels. The ability to transfer funds directly from your PayPal account to your prepaid credit card is brilliant. While it is true each prepaid credit card comes with a set of fees, not many are as upfront about them as Mango. The fact that Mango presents them so directly speaks volumes to us about their integrity and credibility.

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Top Ten Reviews no longer updates this category and keeps it here for archiving purposes only. It was last updated in March 2014.
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