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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Will I be charged a fee if I don't use my prepaid card?

Answer: If your card has a regular monthly fee, you will pay that each month even if you don’t use the card, unless your card has conditions for waiving that fee. Some cards also charge “inactivity” fees if you don’t use your card for a certain period of time.

The length of time that triggers inactivity fees typically varies from 90 days to 12 months. You may be charged the inactivity fee each month until you use your card again.

If your card charges inactivity fees, check the cardholder agreement to see what you can do to avoid triggering the fee. “Using” your card doesn’t just mean making a purchase – it could also mean making cash withdrawals, adding money to the card, or checking your card’s balance.

Read about monthly and other fees.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.