How to Add Money to Your Personalized Prepaid Debit Card

Add money to prepaid debit card at checkout lane

With Cash at Any Checkout Lane

  • Simply bring your Personalized Card to any checkout lane or service desk.
  • Ask the associate to load $10 to $1,000 directly onto your Personalized Card.
  • The funds are immediately available for you to use.
  • Cash reload fee is $3.


Add money to prepaid debit card by direct deposit

By Direct Deposit

The most convenient and FREE way to load your Personalized Card is by direct deposit. You can load up to $5000 from your paycheck onto your card as long as it does not exceed maximum card limits (see fee schedule for details). Your funds will be available on your normal payday.
It’s fast, easy, and FREE.

  • As a cardholder, enjoy a bonus $10 added to your Personalized Prepaid Debit Card upon first successful direct deposit.* Extra money! (You’re welcome)


add money to prepaid debit card with recharge card

With the Recharge Card™

  • Purchase a Recharge Card in participating Kroger Family of Stores locations† for $3.
  • Take your Recharge Card to the cashier to load any amount of cash between $10 to $1,000.

Once you have purchased a Recharge Card and you’re ready to add the funds to your Personalized Card, simply log in to your account or call 1-888-853-9480 to transfer your funds to a Personalized 1-2-3 REWARDS Prepaid Debit Card.

Only send money to someone you know and trust. Once you give your Recharge number to someone or instruct us to load money to someone’s card, that transaction cannot be reversed.


transfer money to prepaid debit card from bank account

Transfer Money from a Bank Account

A convenient way to load your card.†† With an electronic funds transfer, you can add money to your card from the website of many banks, credit unions and financial institutions.

  • Visit your bank’s website and follow the instructions for an electronic funds transfer or “ACH Transfer.”
  • You will need account details, like routing & account number, from your 1-2-3 REWARDS Prepaid Debit Card.
      • Log in to your account and select Direct Deposit to locate those account details needed to set up your transfer.


add money to prepaid debit card from paypal account

Add money from your PayPal account

You can even add money from your PayPal account.

If you have a PayPal account, you can transfer money from that account to a 1-2-3 REWARDS Prepaid Debit Card. Visit or their mobile app for questions.^^


Add money to prepaid card online

Mobile Check Load with Ingo Money**

Add funds to your card in minutes with the Ingo Money App by taking photos of your check with your smartphone. Fees may apply. **


Transfer funds between prepaid debit cards

Card-to-Card Transfer

Moving funds between our cards is simple. Login below or use our 1-2-3 REWARDS Prepaid App to move funds on your Personalized Card to another 1-2-3 REWARDS® Personalized Card.


Other Ways to Reload Your Card Outside of a Kroger Family of Stores.

Green dot prepaid debit card money reload

You can reload your card at any participating retailer who has the Green Dot reload network.^^

Learn More

Visa ReadyLink prepaid debit card reload

You can also reload your card through the Visa® Readylink network at participating locations.

Learn More

ATM Withdrawals

Fee free ATM withdrawals with your Reloadable Prepaid Debit Card.

Find a MoneyPass® or Allpoint® location for surcharge-free ATM transactions:

Money Services

Cashing Checks at one of our Kroger Family stores?

If so, remember you can have your cash added to your Reloadable Prepaid Debit Card!