Les meilleures façons de transférer le solde d'une carte-cadeau Visa ou Mastercard vers un compte bancaire

Gift cards are a popular choice for presents, but sometimes you may prefer to have the funds in your bank account instead. This article will explore some of the best methods to transfer your Visa or Mastercard gift card balance to your bank account.

What is a Visa or Mastercard Gift Card?

A Visa or Mastercard gift card is a prepaid card that can be used anywhere Visa or Mastercard is accepted. These cards are not linked to a bank account and come loaded with a specific amount of money. They function similarly to debit cards but are not reloadable and can only be used until the balance is depleted.

It's important to note that Visa or Mastercard gift cards are not available everywhere. Their availability can vary by country and region due to different financial regulations and market conditions. In some areas, local gift card options or other prepaid card solutions may be more common. Always check the availability and terms of these gift cards in your specific location.

Transferring Visa or Mastercard Gift Card Balance to Bank Account Using Venmo or PayPal

Venmo and PayPal are popular money transfer platforms that can be used to transfer the balance from a Visa or Mastercard gift card to your bank account. Here's a detailed explanation of how to use these services:

Step 1: Set Up Your Account

If you don't already have one, sign up for a Venmo or PayPal account. Both platforms are owned by PayPal Holdings, Inc., but they have slightly different features:

• Venmo is more focused on peer-to-peer transfers and is popular in the United States.
• PayPal is available in more countries and is widely used for both personal and business transactions.

Step 2: Link Your Bank Account

Once you have an account, link your bank account to the platform. This is where you'll eventually transfer your gift card balance.

1. In PayPal: Go to "Wallet" > "Banks and Cards" > "Link a bank account"
2. In Venmo: Go to "Settings" > "Payment Methods" > "Add bank or card"

Step 3: Add Your Gift Card as a Payment Method

Now, you'll need to add your Visa or Mastercard gift card as a payment method:

1. In PayPal: Go to "Wallet" > "Banks and Cards" > "Link a card"
2. In Venmo: Go to "Settings" > "Payment Methods" > "Add bank or card"

Enter the gift card details as you would for a regular credit card. Note that some gift cards may require registration with the issuer before they can be used online.

Step 4: Transfer Balance to Your Venmo or PayPal Account

Once your gift card is linked, you can transfer its balance to your Venmo or PayPal account:

1. In PayPal: Go to "Add money" > Select your gift card > Enter the amount > "Add"
2. In Venmo: Venmo doesn't allow direct transfers from a card to your balance. Instead, you'll need to make a payment to a friend (who can then pay you back) or use the "Business Profiles" feature if you have one.

Step 5: Transfer to Your Bank Account

Finally, transfer the funds from your Venmo or PayPal balance to your linked bank account:

1. In PayPal: Go to "Transfer money" > "Transfer to your bank" > Enter amount > "Transfer"
2. In Venmo: Tap the menu icon > "Manage Balance" > "Transfer to Bank"

Considerations

• Fees: Many of these methods may involve fees. Be sure to check the terms and conditions.
• Time: Some transfer methods may take several days to process.
• Legality: Always ensure you're using the gift card in accordance with its terms of service.

By using one of these methods, you can effectively transfer your Visa or Mastercard gift card balance to your bank account, giving you more flexibility in how you use your funds.