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Tips for using your card

More people choose Vanilla products over any other prepaid card on the market because they are safe, secure, reliable, and easy to use. With these helpful tips, you can begin enjoying all of the benefits your OneVanilla Card has to offer.

Know your balance

Merchants cannot determine the balance of your card. So, if you try to purchase an item of greater value than your card balance, your card may be declined.

Pay at the register

At time of purchase, give your Card to the cashier and sign the receipt or push "credit" on the keypad. If you wish to use your card for a debit transaction, you will need to select a PIN of your choice for your Card. See the Frequently Asked Questions to learn more about selecting your PIN.

No cash access

Your card does not have ATM access and you may not use your card to get cash back at the point of sale.

Keep your receipts

It is recommended that you keep all receipts of purchases made with your Card.

No cash refund

Sorry. There are no cash refunds.

Split transactions

If you need to make a purchase that is greater than the amount on your card, most retailers will allow you to use a second payment method - cash, check, credit card or debit card - for the difference. Not all merchants accept split transactions.

Pay at the pump

Most gas stations require you to enter a ZIP code to pay at the pump. Make sure to register your ZIP code in the My Card section. When paying at the pump, most gas stations will put a $125 hold on your card to ensure you have sufficient funds. So, make sure to know your balance.

Shop online

When shopping online, you will need to enter your ZIP code to complete a purchase using your card. Make sure to register your ZIP code in the My Card section.

Dining out

Some restaurants do not have the technology to determine the balance on your card. Therefore, they may put a hold on your card equal to the amount of your meal plus up to 20% or more in anticipation of you leaving a tip. So, make sure to know your balance."

Need information about selecting or resetting a PIN for your card? Login in now and select Manage PIN


If you have a complaint, first contact the consumer assistance division of ITC Financial Licenses, Inc. at 1-800-571-1376, if you still have an unresolved complaint regarding the company?s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking:

In Person or U.S. Mail
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294

Telephone Number:1-877-276-5554 (toll free)
Fax Number:1-512-475-1313