A registered prepaid card is a type of payment card issued by banks or financial institutions. Unlike credit or debit cards, registered prepaid cards are not directly linked to your bank account. Instead, you load a certain amount of money onto the card before using it. These cards are called "registered" because, upon issuance, the user's personal information is recorded and linked to the card, ensuring security and authentication.
Specifically, according to current regulations, Clause 4, Article 3 of Circular 18/2024/TT-NHNN, Section 4 stipulates: A prepaid card is a card that allows the cardholder to conduct card transactions within the value of the money loaded onto the card, corresponding to the amount paid in advance to the card issuer.
Prepaid cards include: identified prepaid cards (containing the cardholder's identifying information) and anonymous prepaid cards (without the cardholder's identifying information).
Therefore, a prepaid card with identified information is a type of prepaid card that contains the cardholder's identifying information.
Illustration photo: Banking Times.
Benefits of identified prepaid cards
One of the biggest advantages of a registered prepaid card is that it helps you control your spending. You can only spend within the amount of money loaded onto the card, avoiding the risk of debt that can occur when using a credit card.
Because your personal information is identified and linked to the card, the level of security when using an identified prepaid card is higher than that of an anonymous card. In case of card loss, you can easily request to block the card and protect your remaining funds.
Personalized prepaid cards can be used to pay at stores, supermarkets, restaurants, and even online. You don't need to carry cash, reducing the risk of loss and making it more convenient to manage your daily expenses.
For those who don't have or don't want to open a bank account, a registered prepaid card is a great alternative. You simply load money onto the card and use it; there's no need to link it to a bank account.
Personalized prepaid cards are also an ideal gift option. You can top up the card with a certain amount of money and give it to family and friends. The recipient can then use the card to make purchases according to their personal needs.
Personalized prepaid cards are a convenient and secure payment tool that helps you control your spending and reduce the risk of losing cash. With many outstanding advantages, personalized prepaid cards are gradually becoming the preferred choice of many modern consumers.
Source: https://vtcnews.vn/the-tra-truoc-dinh-danh-la-gi-ar906051.html
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