We noticed that you're using an unsupported browser. The TripAdvisor website may not display properly.
We support the following browsers:
Windows: Internet Explorer, Mozilla Firefox, Google Chrome. Mac: Safari.

PayPower Travel Money card by Visa

Miamisburg, Ohio
Level Contributor
5 posts
70 reviews
Save Topic
PayPower Travel Money card by Visa

My daughter and I will be taking an escorted group tour through Northern Italy in a couple of weeks for eleven days (Milan, Turin, Rapallo, Florence and Venice). I have read reviews for hours, but can't seem to find any advise on specific travel money cards. I have a PayPower travel money card (debit) put out by Visa, where you load the card with a specific amount of money, and you have a four digit PIN. There is a MoneyGram logo on the back. What I am wondering is, has anyone ever used on of these in Italy at the ATM's? I called the company to check if they were acccepted in Italy and I received a somewhat positive, but vague answer. I have used it in Mexico just fine. I just don't want to get to Italy and have problems with money. I already have a couple of credit cards I plan on taking, but would like this for cash. Thanks for any help you can give me that would help me to enjoy my trip more!

Sydney, Australia
Destination Expert
for Train Travel
Level Contributor
82,221 posts
13 reviews
Save Reply
1. Re: PayPower Travel Money card by Visa

They will be accepted at Italian ATMs, as they will accept any Visa card. However, these pre-paid money cards are usually very poor value, having high fees and/or a poor exchange rate. You usually do better just to take a debit card associated with your bank account and get money out of ATMs from the bank account, just like at home.

Miamisburg, Ohio
Level Contributor
5 posts
70 reviews
Save Reply
2. Re: PayPower Travel Money card by Visa

I called my bank and my debit card won't work outside the US. Any suggestions for other ways to get cash as needed without using a travel money card and paying high fees?

New York City, New...
Level Contributor
38,687 posts
7 reviews
Save Reply
3. Re: PayPower Travel Money card by Visa

That is the strangest thing I've read on the subject: a bank in the U.S. has a debit card that can't be used outside of the U.S.? I'd open up another checking account at another bank, put in what you think you will want/need for the trip (and a bit more) and then get a real debit card.

There's just no reason I can think of as to why a debit card could only be used in the U.S. Did they say why??

I use mine from Bank of America, Chase, Wells Fargo, HSBC - no problems whatsoever - ever on any of many many trips. I also use credit cards from a few of these banks as well. You just need to alert them prior to your trip as to your dates/destinations of travel so their fraud program does not freeze your account thinking the foreign transactions are fraudulent.

Sorry - I know nothing about these travel cards because I've never needed to consider one.

Good luck.

Miamisburg, Ohio
Level Contributor
5 posts
70 reviews
Save Reply
4. Re: PayPower Travel Money card by Visa

I live in a small, rural town in Colorado and the bank is a local one. Thats probably why. Do you recommend any banks to open an account that might have the lowest fees on exchange and ATM usage overseas? Thanks for any help. I have read so many reviews and it is all buzzing around in my head.

NY
Level Contributor
3,562 posts
81 reviews
Save Reply
5. Re: PayPower Travel Money card by Visa

Maybe your bank is Alamosa State Bank, they do say they no longer allow foreign ATM's due to fraud, this is the first I ever heard a bank doing that.

What about 1st Southwest or Rio Grande? You might have to pay some higher service fees at those banks for other services, but they seem to allow foreign debit/ATM's (There is no fee in Italy for debit or ATM withdrawal but your bank might charge for it)

Edited: 17 April 2014, 17:48
Ocean City, MD
Level Contributor
9,453 posts
7 reviews
Save Reply
6. Re: PayPower Travel Money card by Visa

I live in a small town too, one of my banks doesn't allow ATM withdrawals more than 300 miles from home. The other bank I use does allow overseas usage and charges me $1.25 per withdrawal (just like it would if I went to their competitor across the street.) Italian banks does not charge.

A couple of years ago, I opened an online account with CapitolOne360 which came with a debt card (MasterCard) and I can use it to withdrawal cash at ATM's or use as a credit card. I also have a CapitolOne credit card, both accounts do not charge transaction fees or conversion fees. I only use my 360 card for cash withdrawals and my cc for charges. The reason is, if the 360 was compromised for whatever reason I would still have my credit card.

I've used both in Barcelona, Prague and numerous places in Italy with absolutely no problems.

Edited: 17 April 2014, 17:51
New York City, New...
Level Contributor
38,687 posts
7 reviews
Save Reply
7. Re: PayPower Travel Money card by Visa

I'd go with ocpony's suggestion -

I live in NYC and am drowning in banks of all sorts so I couldn't imagine such a circumstance existing; I know they are paranoid about fraud (as they should be given all that is going on) but if they are alerted in advance of where you are traveling and when (and, I also usually give them a range of what I'd be likely to charge), then it seems it should be okay.

It's just a bit weird to think my bank would tell me I have such an imposed limitation with respect to access to my money. It is impossible to take cash - for (1) you lose it all, then what? (2) changing it to euros costs a fortune here in a bank and (3) almost impossible to find a bank in Italy that will change dollars to euros - so, it's just unfair for your bank to be so conservative on this.

I hope you find a solution.

Miamisburg, Ohio
Level Contributor
5 posts
70 reviews
Save Reply
8. Re: PayPower Travel Money card by Visa

Thanks everyone for your input. I am looking into Capital One 360 now. Just hope I can get it in time.

Miami Beach, Florida
Level Contributor
2,185 posts
87 reviews
Save Reply
9. Re: PayPower Travel Money card by Visa

The solution is to open an account with Capital One. That's all I use when I travel. Best invention lol...

New York City, New...
Level Contributor
38,687 posts
7 reviews
Save Reply
10. Re: PayPower Travel Money card by Visa

If you let them know you have a trip coming up, you might even ask if you can pay for express (or fed ex, whatever) to get it quicker; I had to do that once when one of my cards got ripped off here and I was going away - they sent it to me via fed ex. I don't know if Cap One will but no harm in asking -

Good luck - hope it works out -