A prepaid debit card is a type of payment card that is preloaded with a specific amount of money. Unlike traditional debit cards linked to a bank account, these cards do not require a bank account and can be used for purchases until the balance runs out. They are often used for budgeting, gifting, or as a safer alternative to carrying cash. Users can load money onto the card through various methods, such as direct deposit or cash deposits at retail locations. Many prepaid debit cards also offer features like online account management and the ability to withdraw cash from ATMs, making them a convenient option for many consumers.