Budget Card

• Account Structure: Multiple cards share a single account and can be linked simultaneously.

• Payment Method: Payments are deducted directly from the account balance.

• Key Feature: A spending-limit tool that controls the total available funds.

• Example Use Case: Similar to a family “shared card”: there is a total limit, and spending beyond it is not allowed.

Prepaid Card

• Account Structure: One account is linked to a single card.

• Payment Method: Must be preloaded; payments are deducted from the card balance.

• Key Feature: A prepaid payment tool; spending is limited to the loaded balance.

• Example Use Case: Similar to a supermarket gift card: you must preload funds before spending.