What is an anonymous prepaid card?
An anonymous prepaid card is a type of payment card that does not require personal information when issued. Unlike credit or debit cards, anonymous prepaid cards are not directly linked to the user's bank account. The user simply loads a certain amount of money onto the card before using it and can spend within the amount loaded. Since no identifying information is required, this card is anonymous, meaning it is not tied to the user's identity.
Specifically, according to current regulations, in Clause 4, Article 3 of Circular 18/2024/TT-NHNN, Section 4 specifically stipulates: A prepaid card is a card that allows the cardholder to make card transactions within the value of money loaded into the card corresponding to the amount prepaid to the card issuer.
Prepaid cards include: identified prepaid cards (with cardholder identification information) and anonymous prepaid cards (without cardholder identification information).
Thus, an anonymous prepaid card is a type of prepaid card that does not contain any information identifying the cardholder.
Illustration photo: HDBank.
How it works
Anonymous prepaid cards work on the principle of load first, spend later. This means that the user must load some money onto the card before it can be used for payments. This amount is stored on the card and is reduced each time the user makes a transaction.
1. Top up the card: Users can top up their anonymous prepaid cards through channels such as banks, card issuer transaction points, or online services.
2. Using the card for payment: Anonymous prepaid cards can be used to pay at stores, supermarkets, restaurants, or online shopping, similar to credit or debit cards.
3. Check balance: Users can check the remaining balance on the card through the service channels of the card issuer.
Benefit
Anonymous prepaid cards offer many practical benefits to users, including:
Anonymous prepaid cards allow users to pay quickly and conveniently without having to carry cash. This is especially useful when you travel or participate in recreational activities.
With an anonymous prepaid card, you can only spend within the amount of money loaded onto the card. This makes it easy for you to control and manage your personal finances, avoiding the risk of overspending.
Because no personal information is required, anonymous prepaid cards reduce the risk of personal information loss and financial fraud. If you lose your card, you only lose the remaining funds on the card, without affecting your bank account or personal information.
Anonymous prepaid cards are suitable for a wide range of people, from young people, people without bank accounts, to those who want to keep their identity confidential when making financial transactions.
Anonymous prepaid cards can be used for various purposes like shopping, paying bills, recharging mobile phones, and many other online transactions.
Limit
Although anonymous prepaid cards offer many benefits, there are also some limitations that users should be aware of:
- Some anonymous prepaid cards have a maximum top-up limit, which can be inconvenient when you need to make a large purchase.
- Unlike credit cards, anonymous prepaid cards usually do not come with incentives, cash back or points programs.
- Some anonymous prepaid cards may come with service fees such as deposit fees, withdrawal fees, or card maintenance fees. Users should research carefully before using.
In short, anonymous prepaid cards are a convenient and safe payment tool, suitable for many different users and purposes. It helps you control your spending, secure your personal information and make transactions easily. However, before deciding to use it, you should carefully read the terms, restrictions and related service fees to ensure that the anonymous prepaid card suits your needs.
Source: https://vtcnews.vn/the-tra-truoc-vo-danh-la-gi-ar906067.html
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