: Walmart money card visa prepaid team
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|Walmart money card visa prepaid team|
|Walmart money card visa prepaid team|
Can the Walmart MoneyCard Act as a Checking Account?
Whereas a savings account is an ideal place to earn interest and hold cash for long-term and short-term goals, a checking account comes in handy for bills and everyday expenses.
However, this isn’t the only option for paying bills.
The Walmart MoneyCard is also useful for managing money, yet you might wonder whether this card can be used the same as a checking account.
The short answer is yes. But before you run out and get a Walmart MoneyCard, here’s what you need to know.
What is the Walmart MoneyCard?
To put it plainly:
A Walmart MoneyCard is a reloadable prepaid card.
This is different from a bank debit card because it’s not linked to a bank account.
Even so, the Walmart MoneyCard is backed by a major bank — Green Dot Bank — so it offers many features of a checking account.
No overdrafts allowed
A huge benefit of a Walmart MoneyCard is that you don’t have walmart money card visa prepaid team worry about overdraft fees.
This is because you’re only allowed to spend what you load onto the card. In addition, there’s no credit check because it isn’t a credit card.
With that being said, anyone can get a Walmart MoneyCard despite their credit history.
The card does feature a Visa or MasterCard logo, however, so you can pull it out wherever these cards are accepted and enjoy the benefits of a credit card.
What You Get With the Walmart MoneyCard
The above features of the Walmart MoneyCard only scratch the surface.
For the most part, this card is designed to help you easily manage your finances.
Therefore, you’ll enjoy the following additional benefits:
1. Get an account number and a routing number
Even though the Walmart MoneyCard isn’t a traditional checking account, it does come with a routing number and an account number. This is similar to a checking account with a bank.
This feature is convenient when using your Walmart MoneyCard for an online purchase or when paying bills online.
Some bill payment systems will ask for an account number and routing number when setting up a one-time or recurrent payment. Provide this information walmart money card visa prepaid team you’re good to go.
Use the card to pay your rent, mortgage, car payment, credit card bills, and utilities.
2. Easy access to cash
You may have concerns about the accessibility of funds loaded on the card.
Another attractive feature of the Walmart MoneyCard is that you can access your money anytime by using an ATM. This is regardless of your location.
Just know that there’s a $2.50 ATM withdrawal fee per transaction.
Likewise, there’s a $2.50 teller cash withdrawal fee per transaction. You can, however, avoid ATM fees by withdrawing cash at a Walmart MoneyCenter.
There’s also the ability to get balance information at ATMs for $0.50.
3. Earn up to 3% in cash back rewards
A unique feature of the Walmart MoneyCard is that you can earn cash back on everyday purchases. This is similar to rewards programs offered by many credit cards.
The more you shop, the more cash you can earn.
- 3% cash back at Walmart.com
- 2% cash back at Murphy USA and Walmart fuel stations
- 1% cash back at Walmart stores
The downside is that you can only walmart money card visa prepaid team up to $75 in cash back rewards each year.
Rewards are redeemable at Walmart.com and through the mobile app.
4. Track your account through the mobile app
Similar to a traditional checking account with a bank, there’s the option to download the Walmart MoneyCard mobile app.
From here, manage your reloadable prepaid Visa or MasterCard.
You can check your MoneyCard balance, review your account history, set up bill pay, review your cash back reward balance, order paper checks, and even deposit your paychecks with the app.
The latter is a must-have if your employer doesn’t offer walmart money card visa prepaid team deposit.
5. Multiple ways to fund your account
Keep in mind that when you get a Walmart MoneyCard, there are different ways to load money onto your card.
The most convenient way is to sign up for direct deposit, if an option.
Instead of receiving a paper check from your employer, funds are automatically deposited onto your prepaid card.
Direct deposit is a faster way of getting your paycheck. Some people receive their money up to two days earlier.
Other convenient options include visiting a Walmart MoneyCenter and putting cash on the card this way.
Additionally, you can reload your card at a Walmart register, through online bank transfer, or via another retailer.
During tax time, you can even have your tax refund direct deposited onto your MoneyCard.
What Fees Can You Expect With a Walmart MoneyCard?
Walmart MoneyCard reload fees vary depending on the chosen method.
There’s walmart money card visa prepaid team fee if your employer offers direct deposit and you use this method to put cash on the card.
There’s also no fee if you reload the card in conjunction with using Walmart’s check cashing service. Similarly, you can initiate an online bank transfer for no fee.
Keep in mind:
You’ll pay up to $4.95 to reload the card at a retailer besides Walmart. Also, there’s a $3 fee to use Walmart Rapid Reload. With this method, you swipe your card at a register and then add cash to the card.
Monthly fee can be waived
Make sure you’re aware of other fees associated with this card to avoid surprises.
For example, there’s a monthly service charge of $5. You’ll avoid this fee if you load $1,000 or more in the previous month.
The replacement card fee is $3. This applies if the card is lost, stolen, or damaged.
Another benefit of the Walmart MoneyCard is the ability to use it abroad, due to the Visa or MasterCard logo. Even so, be prepared to pay a foreign transaction fee of 3%.
Take Advantage best bb or cc cream 2019 Walmart’s MoneyCenter
Not only does Walmart offer a reloadable prepaid card that can function as a checking account and used to pay bills, it also offers a variety avalon first and m other services through its MoneyCenter.
Moving money around
Use the center for money transfers, which offers a fast and affordable way to send money domestically and internationally.
There’s also the option to order personalized checks from the MoneyCenter. The ability to write a check comes in handy when you’re unable to use cash or your MoneyCard in a situation.
You can also use the MoneyCenter to pay a variety of bills for only $1 each. This includes your auto loan, mortgage/rent, child support, utilities, and more.
In addition, purchase money orders, cash checks, use Coinstar, and even utilize tax preparation services in stores.
To make it clear, these services aren’t included with the Walmart MoneyCard. Rather, these services are available through the retailer’s MoneyCenter for your convenience.
Using the Walmart MoneyCard as a Checking Account
The Walmart MoneyCard without a doubt has features that are similar to a checking account.
You can pay your bills online using a routing number and account number. And with the ability to use your card at ATMs, your money is always accessible.
Plus, the app allows you to track your balance.
But at the end of the day, this isn’t a checking account. So there are some things that the MoneyCard can’t do.
For example, there’s no overdraft with a Walmart MoneyCard.
So while your bank may allow a transaction to go through if you don’t have sufficient funds in your checking account, this isn’t an option with the MoneyCard. The card will decline if you don’t have sufficient funds in your account for a purchase.
Also, using the MoneyCard can be more expensive.
While it’s true that many checking accounts charge a monthly fee, the cost to use the MoneyCard could exceed what some banks charge. This depends on your reload method.
Let’s say you reload the card four times a month.
Yet, you don’t load enough onto the card to avoid the monthly fee. At $3 per reload with Walmart Rapid Reload, and a $5 monthly service charge, you’ll pay $17 a month just to have the card.
If you go to an ATM twice a month, that’s an additional $5 in fees.
Therefore, you can easily spend $23 a month in fees with the MoneyCard.
On the other hand:
There are many checking accounts that don’t charge monthly fees, or have monthly fees under $10.
Final Verdict: Should You Get a Walmart MoneyCard?
The bottom line is that the Walmart MoneyCard can be an excellent alternative if you don’t have a checking account.
More so if you’re looking for a simple, convenient way to manage cash.
It offers features of a traditional checking account and a credit card, but without the credit check or overdraft fees. Just make sure you count the cost before getting the card.
Based on your projected frequency of reloads and ATM visits, estimate how much you’ll likely spend in monthly fees with this card, and then decide whether it makes sense from a financial standpoint.
Continue ReadingИсточник: https://www.mybanktracker.com
Someone might ask you to pay for something by putting money on a gift card, like a Google Play or iTunes card, and then giving them the numbers on the back of the card. If they ask you to do this, they’re trying to scam you. No real business or government agency will ever insist you pay them with a gift card. Anyone who demands to be paid with a gift card is a scammer. Read on to learn more about gift card scams.
What Gift Card Scams Looks Like
Gift cards are for gifts, not for payments. But they’re popular with scammers because they’re easy for people to find and buy, and they have fewer protections for buyers compared to some other payment options. They’re more like cash: once you use the card, the money on it is gone. Scammers like this.
If someone walmart money card visa prepaid team you and demands that you pay them with gift cards, you can bet that a scammer is behind that call. Once they have the walmart money card visa prepaid team card number and the PIN, they have your money. Scammers may tell you many stories to get you to pay them with gift cards, but this is what usually happens:
- The caller says it’s urgent. The scammer says you have to pay right away or something terrible will happen. But you don’t, and it won’t.
- The caller usually tells you which gift card to buy. They might say to put money on an eBay, Google Play, Target, or iTunes gift card. They might send you to a specific store — often Walmart, Target, CVS, or Walgreens. Sometimes they say to buy cards at several stores, so cashiers won’t get suspicious. And, the caller might stay on the phone with you while you go to the store and load money onto the card. These are all signs of a scam.
- The caller asks you for the gift card number and PIN. The card number and PIN on the back of the card let the scammer get the money you loaded onto the card. And the scammer gets it right away.
How Scammers Convince You To Pay With Gift Cards
Scammers pretend to be someone they’re not to convince you to pay with gift cards. They want to scare or pressure you into acting quickly, so you don’t have time to think or talk to someone you trust. Here’s a list of common gift card scams and schemes:
- The caller says they’re from the government — maybe the IRS or the Social Security Administration. They say you have to pay taxes or a fine, but it’s a scam.
- Someone calls from tech support, maybe saying they’re from Apple or Microsoft, saying there’s something wrong with your computer. But it’s a lie.
- You meet someone special on a dating website, but then he needs money and asks you to help him. This romance scammer makes up any story to trick you into sending him gift cards.
- The scammer pretends to be a friend or family member in an emergency and asks you to send money right away — but not tell anyone. This is a scam. If you’re worried, hang up and call your friend or relative to check that everything is all right.
- Someone says you’ve won a prize but first, you have to pay fees or other charges with a gift card. Remember: no honest business or agency will ever make you pay with a gift card. But also — did you even enter that sweepstakes?
- The caller says she’s from your power company, or another utility company. She threatens to cut off your service if you don’t pay immediately. But utility companies don’t work that way. It’s a scam.
- You get a check from someone for way more than you expected. They tell you to deposit the check, then give them the difference on a gift card. But that check will be fake and you’ll be out all that military food pantry near me To Do If You Paid a Scammer With Gift Cards
If you paid a scammer with a gift card, tell the company that issued the card right away.
Contact information for popular gift card companies
- Call Apple Support right away at 1 (800) 275-2273. Say “gift card” to connect with a live representative.
- Ask if the money is still on the iTunes card. If so, Apple can put a freeze on it. You might be able to get your money back from them.
- Keep the iTunes card itself and your receipt for the iTunes card.
- Learn about walmart money card visa prepaid team gift card scams and how to report them.
- If you have a Steam account, report gift card scams online. Click the “Purchases” option, then click, “I have charges from Steam that I didn’t make.” Then click, “Contact Steam Support.”
- Keep the Steam card itself and your receipt for the Steam card.
- Learn about Steam gift card scams.
Don’t see your card on this list? Look for the company’s contact information on the card itself, or do some research online to find out how to reach the card issuer. If you can’t find the contact information or the card issuer doesn’t want to talk to you, report it to the FTC.
Safely Buying and Using Gift Cards
Remember that gift cards are for gifts, not for payments. So if you buy gift cards to give away or donate:
- Stick to stores you know and trust. Avoid buying from online auction sites because the cards may be fake or stolen.
- Check it out before you buy it. Make sure the protective stickers are on the card and that they do not north central college football championship to have been tampered with. Also check that the PIN number on the back isn’t showing. Get a different card if you spot a problem.
- Keep your receipt. This, or the card’s ID number, will help you file a report if you lose the gift card.
If someone asks you to pay them with gift cards:
- Report it to the Federal Trade Commission at ReportFraud.ftc.gov. Report it even if you didn’t pay. Your report helps law enforcement stop scams.
- You can also report it to your state attorney general.
- If you lost money, also report it to local law enforcement. A police report may help when you deal with the card issuer.
Walmart MoneyCard Prepaid Card Review: Earn Cash Back on What You Buy
Quick Take:The Walmart MoneyCard is an option for people who don't want, or don't qualify for, a traditional bank account. With a host of services all in one location, it isn't hard to see how Walmart has been able to attract so many customers. After all, shoppers also can pick up their prescriptions, see the eye doctor and order glasses, have their photos printed and, in some locations, even get their tires rotated. As an added convenience, Walmart also has an onsite to assist customers with a host of financial services, including obtaining the Walmart MoneyCard and the Walmart credit card.
- Ease of Use
How did we calculate this?
Walmart posted an impressive $559.2 billion in revenue during the 2021 fiscal year, capping it off with a $152.1 billion fourth quarter, which ended Jan. 31.
During the COVID-19 pandemic, consumers turned to Walmart and other big retailers to obtain their groceries to fuel their new eat-at-home lives and to purchase supplies for working from home, crafting, making home improvements and doing other activities during the pandemic.
Pros and Cons
Weigh some of the benefits and drawbacks of the account.
What Is the Walmart MoneyCard?
The Walmart MoneyCard is a prepaid debit card that can be reloaded as needed. It is available as a prepaid MasterCard or prepaid Visa card. You can use the card the same way you would use a bank debit card, but you don’t need a bank account to get one. It is issued by Green Dot Bank but is not linked to a bank account the way a traditional bank debit card is.
The MoneyCard is designed to reward loyal Walmart shoppers by giving them cash back on their purchases. Customers can earn up to $75 each calendar year just by shopping at Walmart and gaining the following rewards:
- Earn 3% back when you shop online through Walmart.com.
- Earn 2% back when you buy gas at Walmart fuel stations.
- Earn 1% back when you shop at any Walmart location.
How Does the Walmart Prepaid MoneyCard Work?
You can get a prepaid debit card from Walmart in one of two ways, and no matter which method you go with, you’ll have your card delivered to your home within two weeks of completing the application:
How To Apply
- Visit your local Walmart MoneyCenter and fill out an application. If you aren’t sure where the nearest MoneyCenter is, you can use the Walmart MoneyCard store locator on the retailer’s website. Either type in your ZIP code or your city and state and then click the orange “Search” button.
- Fill out an application online. Enter your name, mailing address, phone number, email address, Social Security number and birth date, and create a four-digit PIN to be used for purchases and to get cash at ATMs.
If you require assistance at any time with your prepaid card, you can call Walmart MoneyCard customer service at 877-937-4098. The representatives are available to answer any additional questions, help you get a replacement for a damaged or lost card, and report a stolen MoneyCard.
Who Is the Walmart MoneyCard Best For?
You must be at least 18 years of age to apply for a Walmart MoneyCard, but there are no credit checks to get approved for this card. That’s an advantage for someone who has a spotty credit or bank record and might not qualify for a traditional account.
It’s also ideal for parents who want to teach their kids how to use a debit card or watch how they spend their money. Walmart MoneyCard offers a family account. You can add up to four family members who are 13 or older to your account. It also caters to frequent Walmart shoppers. You won’t pay an additional fee for cash back at Walmart with a purchase.
Prepaid Cards Help Limit Spending
With a prepaid debit card, you add money in advance and spend only what you have. You can use it where major credit cards are accepted, but you are not incurring any debt.
The Differences Between a Prepaid Debit Card, Debit Card and Credit Card
A prepaid money card is ideal for people who don’t want to open a bank account or don’t qualify for one. You a set amount onto the card, and that is what you have to spend until your next deposit, making it ideal for people who live on a tight budget.
A traditional debit card is linked to your checking account, and as you make a purchase or withdraw cash, the money is deducted. If you haven’t written down a transaction in your checkbook or accounted for it on your online budgeting app, you could overdraw your account and incur fees.
A credit card and debit card might look alike, but they function differently. When you pay with your credit card, you are borrowing money and agreeing to repay it. If you don’t pay the credit card bill by the due date, you will be charged interest and could incur late fees. There are neither of those with the Walmart MoneyCard.
Is the Walmart MoneyCard FDIC insured?
You must register your Walmart MoneyCard before your funds are insured by the Federal Deposit Insurance Corp., up to $250,000. The holder of your money is Green Dot Bank, and it is FDIC insured.
The Walmart MoneyCard is a solid option for people who want to handle their financial needs through a prepaid card. Issuers of prepaid cards must disclose fees at the time you buy the card, so be sure to review the fees and other terms before you sign up.
Alicia Bodine contributed to the reporting for this article.
This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by Walmart.
Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.
About the Author
Jami Farkas holds a communications degree from California State University, Fullerton, and has worked as a reporter or editor at daily newspapers in all four corners of the United States. She brings to GOBankingRates experience as a sports editor, business editor, religion editor, digital editor — and walmart money card visa prepaid team. With a passion for real estate, she passed the real estate licensing exam in her state and is still weighing whether to take the plunge into selling homes — or just writing about selling homes.
How to Get a Prepaid Debit Card From Walmart
Wal-Mart's prepaid debit card, also called the MoneyCard, is an alternative to credit or debit cards for those with a less-than-satisfactory credit history. The card is also a helpful way to budget spending for teenagers. The limit is determined by how much money you place on it and no interest is charged to prepaid debit cards.
Locate a Wal-Mart MoneyCenter near you. Every Wal-Mart Supercenter has a MoneyCenter on site and some non-Supercenter stores have one as well. If you are unsure whether your local Wal-Mart offers this service, contact the store office or check the resource below to find one near you.
Visit the MoneyCenter and request a Wal-Mart MoneyCard. The fee to open an account as of August 2009 is $3 and the minimum initial deposit is $20. Inform the clerk of any family members that might be using the card so their names can be added to the account.
Activate your prepaid MoneyCard before initial use. The activation code can be found on the purchase receipt you receive from the store clerk. The card can be activated online by visiting walmartmoneycard.com or by calling customer service at 1-877-937-4098.
- MoneyCard Review
- MoneyCard Specs and Fees
- Walmart MoneyCard. "About Our Product," Accessed Nov. 22, 2019.
- Walmart MoneyCard. "Bill Payment Service Agreement," Accessed Nov. 22, 2019.
- Walmart MoneyCard. "Paper Checks," Accessed Nov. 12, 2019.
- Walmart MoneyCard. "Cardholder Agreement," Accessed Nov. 22, 2019.
- Walmart MoneyCard. "Adding Money," Accessed Nov. 22, 2019.
- Keep careful track of your balance. The MoneyCard can be used over and over as long as you add cash to the balance by visiting a store cashier.
- The Wal-Mart MoneyCard is not available in Connecticut, New Jersey, New York or Rhode Island.
Leonardo R. Grabkowski has been writing professionally for more than four years. Grabkowski attended college in Oregon. He builds websites on the side and has a slight obsession with Drupal, Joomla and Wordpress.
The Walmart MoneyCard is good for cash back. Available as both Mastercard and Visa, the Walmart MoneyCard can be used to shop online or in-store anywhere those particular types of card are accepted. However, where the Walmart MoneyCard really comes into its own among the best prepaid debit cards is when making purchases at Walmart itself. If you're not looking for a debit card, and want to spread payments, consider one of the best credit cards instead.
Walmart MoneyCard: Benefits
Walmart MoneyCard: Key Features
Application process: Online or in-store
Benefits: Maximum $75 cash back, savings feature
Fees: $5 monthly fee, can be waived
- Up to $75 cash back
- Savings feature paying 2%
The Walmart MoneyCard allows you to earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, and 1% cash back at Walmart stores, up to an overall maximum of $75 each year. Then there’s the option to get your pay up to two days before payday (or your government benefits up to four days in advance) with the free ASAP Direct Deposit (subject to deposit verification and your payment provider’s process and timing).
The Walmart MoneyCard also allows you to put money away and earn 2% annual interest in the free savings feature that comes with the Walmart MoneyCard app, while there is automatic entry into a monthly draw to win cash prizes too.
On a more practical basis, it is possible to use a Walmart MoneyCard to make ATM withdrawals (you’ll need to set up a PIN first), and use it to cover regular monthly payments for things such as gym membership, cable TV and your cell phone bill. You can also quickly send or receive money from other Walmart MoneyCard cardholders or any other Green Dot Bank (they are the issuer behind the card) issued card nationwide.
Walmart MoneyCard: Application process
- In-store or online
- Doesn't impact credit score
It is possible to apply for a Walmart MoneyCard either in-store at your local Walmart or online, but there will be a number of things you will need to share to get started. You will be expected to verify your name, address, date of birth, Social Security number, and mobile phone number, while you will likely need to provide your driver’s license or another identifying document at the same time. Note also that if a valid Social Security number is not provided, a personalized card will not be issued.
You must be at least 18 years old walmart money card visa prepaid team register as a primary Walmart MoneyCard cardholder, although it is then possible for a primary cardholder to order a card for their children between the ages of 13 -18 through the Walmart MoneyCard app (up to a limit of four cards per account).
Importantly, getting a Walmart MoneyCard account does not impact your credit since a line of credit isn’t issued, there’s no requirement to make monthly payments, and no need to report your card activity to the major credit bureaus.
Walmart MoneyCard: How long before I can use it?
- Online application, within two weeks
- In-store, limited use Starter Card immediately
Applying for the Walmart MoneyCard online will involve you waiting for your new card to arrive by mail. It should be with you within two weeks, at which point you’ll need to activate it online or using the Walmart MoneyCard app, and then deposit money to your card before you can start using it.
However, if you sign up using the Walmart MoneyCard packages found in stores, this will include a limited use Starter Card that can be used (after it is registered online) to pay for purchases until your personalized card arrives in the mail. The Starter Card can be reloaded with money and can be used for ATM transactions or other cash withdrawals upon successful identity verification.
Again, it will then be a case of waiting for your personalized card to arrive in the mail and then activating this online or using the Walmart money card visa prepaid team Moneycard app - any money on your Starter Card should automatically transfer over once it goes live.
Activating your personalized Walmart MoneyCard will unlock several features that make it easy to do things like pay bills on your schedule, deposit checks from your smartphone, and more.
Walmart MoneyCard: Fees
- $5 monthly, unless balance over $1,000
- Free withdrawals in store
The first thing to say is that there are no fees on purchases, and free cash withdrawals at Walmart locations. However, there is still the potential to accumulate costs if you’re not careful.
Firstly, there is a $1 one-time fee to pay at the register if you buy a Walmart MoneyCard fee at a Walmart store. From here, there is a monthly usage fee of $5, although this will be waived if you load $1,000 or more to your card in the previous month. Reloading your Walmart MoneyCard with cash can also come at a price, with $3 charged for doing it at a Walmart store and up to $5.95 being payable if you reload at other locations. However, there is no charge when proceeds of checks cashed at Walmart stores are added to your account, and of course, your paycheck or benefits can be deposited to your balance for free.
In terms of getting cash with your Walmart MoneyCard, an ATM withdrawal will cost $2.50 and may attract a further fee from the ATM operator, while the same fee applies if making a teller cash withdrawal at a bank. For this reason, it is always best to try and make cash withdrawals at Walmart MoneyCenters and Customer Service desks, where no fee will be charged. It is also worth noting that making a balance inquiry at an ATM will be charged at $0.50, with further fees possible from the operator, so try to check your balance online by logging in to the website or the mobile app.
If you are thinking of using a Walmart MoneyCard outside the U.S., this will attract a fee equivalent to 3% of the U.S. dollar amount of each transaction. Finally, there is a $5.95 fee if you want a pack of 12 paper checks, a $3 charge for the regular delivery first community credit union houston customer service number any replacement card, and a $15 charge on top of that if you need a replacement card by expedited delivery.
Should you get the Walmart Money Card?
Whether the Walmart MoneyCard will be good for you will likely depend on your shopping habits and ability to avoid paying the monthly fee. For Walmart devotees, it should be possible to attain the maximum $75 cash back a year, and if you want to use the Walmart MoneyCard for cash withdrawals it is best to do this at Walmart MoneyCenters and Customer Service desks for free. However, you won’t want to reload your card at the Walmart checkout, as this will cost $3, and it will cost even more if done elsewhere. Making sure you take advantage of the free (and early) direct deposit of your pay or benefits is key.
More positives include the lack of fees on purchases and the 2% savings option, but to really make it worthwhile financially, you should try to keep your balance above the $1,000 mark, then you won’t have to pay the $5 monthly fee.
With over 20 years’ experience in the financial services industry, Tim has spent most of his career working for a financial data firm, where he was Online Editor of the consumer-facing Moneyfacts site, and regularly penned articles for the financial advice publication Investment Life and Pensions Moneyfacts. As a result, he has an excellent knowledge of almost areas of personal finance and, in particular, the retirement, investment, protection, mortgage and savings sectors.