Check your SecureSpend balance and recent transactions using the official website or customer-service number printed on your card or packaging. The SecureSpend cardholder agreement reviewed for this guide says both options are available at no charge. Your card’s own agreement controls: terms and contact details can vary by card version.
Check your balance and transaction history safely
- Find the contact details on your card or packaging. Use the official balance-check website or customer-service number printed there. Avoid lookalike balance-check sites and phone numbers from unverified search results.
- Check both your available balance and recent transactions. A pending authorization or temporary hold may make the amount you can spend lower than the balance you expected.
- Compare the available amount with the full purchase total. Leave room for any merchant authorization that may temporarily reduce available funds.
The SecureSpend-branded agreement reviewed for this guide identifies Pathward, National Association as issuer and is effective July 1, 2022. It describes a U.S.-only physical card. Do not assume those terms apply to every card with the SecureSpend name; check the agreement that came with yours. SecureSpend
Why your available balance may differ from a purchase amount
The purchase costs more than the available balance
A purchase that exceeds the available balance will generally be declined. Ask the merchant before paying whether it supports a split transaction, with part charged to SecureSpend and the remainder paid another way. Not every merchant accepts split payments, and procedures can vary.
A pending authorization or hold has reduced spendable funds
Some merchants request an authorization that temporarily reserves funds, so the available balance can fall before a transaction is fully settled. Visa notes that some restaurants may request an authorization that includes an additional 20% for a tip; this is a possible authorization, not a universal SecureSpend fee. Check your card agreement and transaction history if an amount remains unavailable.
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- Mastercard Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Condition: a.co/9V5i70m
- When you access your Mastercard Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Mastercard Virtual eGift Card is non-reloadable. No cash or ATM access. - Mastercard Virtual eGift Cards are emailed active.
- Funds do not expire but your Mastercard Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call Mastercard customer service for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
A purchase is declined despite sufficient funds
Verify the available balance and transaction history, then call the issuer using the number printed on your card. Visa also advises cardholders to contact the issuer about a declined Visa Gift card. If you see an error or suspect unauthorized activity, contact the issuer promptly and follow the reporting instructions and deadlines in your card materials. Visa Gift Cards
Can you add money to a SecureSpend card?
No. The SecureSpend agreement reviewed here states, “No additional funds may be added to this Card.” Visa likewise says a Visa Gift card cannot be reloaded. A reloadable prepaid card is a different product, not a way to top up SecureSpend. If you need a card you can fund again, compare that separate product’s fees, reload options, geographic and merchant restrictions, and balance and transaction-history tools before choosing one. Visa prepaid cards
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
What happens to your balance when the card expires?
The printed valid-thru date and the expiration of the underlying funds are not necessarily the same. The SecureSpend agreement reviewed for this guide says funds do not expire when the card’s valid-thru date passes, and that the issuer will not charge for a replacement card it sends because of expiration. It states: “However, even if the ‘Valid Thru’ date has passed, the available funds on your Card do not expire.” If your card date has passed, contact the issuer using the details in your card materials to ask about a replacement or another way to access the funds.
Federal gift-card rules generally require underlying funds to remain valid for at least five years after issuance or the last load, and set disclosure and access requirements when a card expires before its funds. State law and the terms of your particular card may affect the details; consult your agreement and the CFPB’s regulation. CFPB, 12 CFR § 1005.20
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- Up to 415 Domestic Minutes. Dialing Instructions: Dial the appropriate access number from the phone card, when prompted enter PIN number, then your destination number including the country code. Important: do not press talk button after international number, do not call from your phone contacts after dialing pin number or you will be billed at your carrier rates. No reimbursement of such phone company or hotel charges allowed.
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- Call MidEast: Iran Turkey Iraq Saudi Arabia Yemen Syria Jordan United Arab Emirates Israel Lebanon Palestine Oman Kuwait Qatar Bahrain Call Latin America: Brazil Colombia Argentina Peru Venezuela Chile Ecuador Bolivia Paraguay Uruguay Guyana Suriname FrenchGuiana Falkland Islands
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Could an inactivity fee reduce the balance?
The SecureSpend-branded agreement effective July 1, 2022 says a $2.95 monthly inactivity fee may begin after 12 consecutive months without activity, subject to applicable law. If that agreement governs your card, the fee may reduce its balance before the valid-thru date. Confirm the terms in your own cardholder agreement before treating this amount or timing as applicable to your card.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.When to contact the issuer
- Your purchase is declined even though the available balance should cover it.
- A transaction is unfamiliar, incorrect, or appears unauthorized.
- Your card is lost, or its valid-thru date has passed and you need access to remaining funds.
- You need to confirm which agreement, fees, reporting deadlines, or replacement-card rules apply to your card.
For each issue, use the phone number or website printed on the card or packaging, and follow the instructions in the card-specific agreement.
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- Dialing Instructions: Dial the appropriate access number from the phone card, when prompted enter PIN number, then your destination number including the country code. Important: do not press talk button after international number, do not call from your phone contacts after dialing pin number or you will be billed at your carrier rates. No reimbursement of such phone company or hotel charges allowed.
- Call Africa: Nigeria Ethiopia Egypt Democratic Republic of the Congo South Africa Tanzania Kenya Sudan Algeria Uganda Morocco Mozambique Ghana Angola Ivory Coast Madagascar Cameroon Niger Burkina Faso Mali Malawi Zambia Somalia Senegal Chad Zimbabwe Rwanda Tunisia Guinea Benin Burundi South Sudan Togo Eritrea Sierra Leone Libya Republic of the Congo Central African Republic Liberia Mauritania Namibia Botswana
- Call Europe: Russia Germany Turkey France United Kingdom Italy Spain Ukraine Poland Romania Kazakhstan Netherlands Belgium Greece Czech Republic Portugal Sweden Azerbaijan Hungary Belarus Austria Switzerland Bulgaria Serbia Denmark Finland Slovakia Norway Ireland Croatia Georgia Moldova Bosnia and Herzegovina Armenia Albania Lithuania North Macedonia Slovenia Latvia Kosovo Estonia Cyprus Montenegro Luxembourg Malta Iceland Andorra Monaco Liechtenstein San Marino Vatican City
- Call MidEast: Iran Turkey Iraq Saudi Arabia Yemen Syria Jordan United Arab Emirates Israel Lebanon Palestine Oman Kuwait Qatar Bahrain Call Latin America: Brazil Colombia Argentina Peru Venezuela Chile Ecuador Bolivia Paraguay Uruguay Guyana Suriname FrenchGuiana Falkland Islands
- Call Asia: China India Japan South Korea North Korea Afghanistan Armenia Azerbaijan Bahrain Bangladesh Bhutan Brunei Cambodia Georgia Kazakhstan Kyrgyzstan Laos Lebanon Malaysia Maldives Mongolia Myanmar Nepal Oman Pakistan Singapore Sri Lanka Taiwan Tajikistan Thailand Timor-Leste Turkmenistan Uzbekistan Vietnam Yemen
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- Verizon Prepaid $40 Pin Code (not for Postpaid Verizon service)
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