king+ Blog

by Albina Akmuldasheva 2 January 2025
Traveling is an exciting adventure, but managing payments abroad can be tricky. Different currencies, potential fees, and security risks can make it stressful. With the right strategies, you can enjoy your trip and pay securely wherever you go. Here’s what you need to know. 1. Use a card instead of cash Carrying cash can be risky—it’s easy to lose or have it stolen. A card is safer, protected by a PIN, and can be quickly blocked if necessary. Plus, cards are widely accepted in shops, restaurants, and ATMs worldwide. 2. Choose the right card Not all cards are the same. Make sure your card works abroad and doesn’t charge high fees for payments or withdrawals. Prepaid cards, like the king+ Mastercard, provide added security since you can only spend what you’ve loaded. 3. Pay in the local currency When given the option to pay in your home currency or the local one, always choose the local currency. Otherwise, you might end up paying more due to unfavorable exchange rates. 4. Protect your data Be cautious when using ATMs or paying in shops. Check ATMs for signs of tampering and shield your PIN when entering it. For online purchases, ensure the website is secure and encrypted. 5. Use your card’s app Many card providers offer apps that make managing your finances on the go easy. With these apps, you can monitor transactions in real time, top up your balance, or block the card if needed. It’s a convenient and secure way to stay in control while traveling. 6. Always carry a backup card Things don’t always go as planned, so it’s wise to have a backup card. A prepaid card is a great option since it operates independently of your main account and adds an extra layer of security. The king+ Mastercard is designed to make your travels stress-free and secure. It offers full control over your spending, worldwide usability, and protection against fraud, as it’s not linked directly to your bank account. Plus, you’ll benefit from up to 3% cashback on your purchases and manage everything effortlessly through the app.
by Albina Akmuldasheva 26 December 2024
Prepaid cards are becoming increasingly popular—and for good reason. They offer numerous benefits that traditional credit or debit cards often don’t. Here are 7 reasons why a prepaid card might be the perfect choice for you. 1. Full control over your spending With a prepaid card, you can only spend what you’ve loaded onto it. This means no overspending—perfect for keeping your finances in check. 2. No debt risk Unlike a credit card, a prepaid card doesn’t allow you to go into debt. You’re spending your own money, so there’s no risk of ending up in the red. 3. Ideal for travel Prepaid cards are a fantastic option for traveling abroad. You can load them with local currency, giving you full control over your spending while providing a safe alternative to carrying cash. 4. Safe for online shopping When shopping online, security is key. A prepaid card minimizes the risk of fraud since it’s not linked to your main bank account. 5. Flexible and easy to reload Whether via an app, online, or in-store, prepaid cards are quick and easy to reload. You always have access to your funds and can stay flexible in any situation. 6. No credit check required Even if your credit score isn’t perfect, you can still get a prepaid card. It’s an excellent option for anyone who doesn’t qualify for—or doesn’t want—a credit card. 7. Perfect for budgeting Whether you’re managing monthly expenses or setting a specific budget for an event, a prepaid card helps you stay organized and in control. Why the king+ Mastercard is your best choice The king+ Mastercard combines all the advantages of a prepaid card with added features. Use it worldwide, shop online securely, and even earn up to 3% cashback on your purchases. Plus, it’s easy to manage through the app, giving you full control over your funds. Discover how simple and flexible a prepaid card can be!
by Albina Akmuldasheva 18 December 2024
When it comes to payment cards, the choices can be confusing. Should you opt for a prepaid card, a debit card, or a credit card? Each option has its own unique features and benefits. But which one suits your needs best? Let’s break it down to help you decide. 1. Debit cards: direct access to your bank account Debit cards are the most common type of payment card. They are linked directly to your bank account. Whenever you pay with a debit card, the money is immediately withdrawn from your account. There’s no credit limit – you can only spend what you actually have. Benefits of a debit card: great for everyday use, as you can track your spending instantly. no interest charges or credit-related fees. widely accepted worldwide. Who should use a debit card? If you prefer simple, secure payments and want to keep your finances in check, a debit card is a solid choice. 2. Credit cards: flexibility at a cost Credit cards work differently from debit cards. With a credit card, you’re given a credit limit by your bank or provider. You can spend up to this limit without needing the funds upfront. Instead, you receive a monthly statement to pay off. Benefits of a credit card: widely accepted worldwide with additional security features. ideal for large purchases, booking travel, or renting cars. Important to note: If you don’t pay off your balance on time, high interest rates can apply. Managing a credit card responsibly is key to avoiding debt. Who should use a credit card? If you make larger purchases often or travel regularly and value flexibility, a credit card might be for you. 3. Prepaid cards: full control over your spending A prepaid card is a reloadable card that allows you to spend only what you’ve loaded onto it. It’s not tied to your bank account or a credit line. Benefits of a prepaid card: maximum control over spending – no risk of debt. perfect for online shopping or travel budgeting. often available without a credit check. Who should use a prepaid card? If you prioritize security and control over your expenses, a prepaid card is a great option. It’s also ideal for teenagers or as a backup travel card. Which card is best for you? Choosing the right card depends on your financial habits and needs: looking for flexibility and travel perks? A credit card might be your best choice. prefer full control and no debt? Debit or prepaid cards are the way to go. want a secure, modern card with great benefits? Consider the king+ Mastercard. The king+ Mastercard combines the best features of a prepaid card with added perks. Enjoy full control over your spending, the flexibility to top up as needed, and global usability for online shopping or travel. Plus, it offers up to 3% cashback and gives you complete control via the app.
by Albina Akmuldasheva 10 December 2024
A new year brings new opportunities – especially for your finances! If you’ve been looking for a simple way to manage your money or finally achieve your savings goals, the 50-30-20 rule might be exactly what you need. This proven method helps you organize your income effectively so you can make the most of your money. What is the 50-30-20 Rule? The 50-30-20 rule divides your income into three clear categories: 1. 50% for needs These are your essential expenses such as rent, utilities, groceries, insurance, and other necessities. 2. 30% for wants This portion is for life’s pleasures: dining out, subscriptions, shopping, or that dream vacation you’ve been planning. 3. 20% for savings and investments This is the part you save for the future—building an emergency fund, paying off debt, or investing in long-term goals like retirement or stocks. How to apply the 50-30-20 rule in 2025 1. Calculate your net income Determine how much you earn each month after taxes and deductions. Example: With a net income of €2,500, you can divide your budget as follows: €1,250 for needs (50%) €750 for wants (30%) €500 for savings and investments (20%) 2. Review your current expenses Take a close look at where your money is going. Which expenses can you cut down to save more or allocate more towards your wants? 3. Set clear goals Do you want to build an emergency fund, save for a big purchase, or invest in long-term financial goals? Setting clear objectives will help you stay focused and motivated. 4. Use the right card to maximize your benefits With the king+ card , you can not only keep track of your expenses but also earn up to 3% cashback on many purchases. It’s the perfect way to manage your wants while getting money back! Why does the 50-30-20 rule work? This method gives you a clear overview of your finances, ensuring you can live worry-free in the present while securing your future. It’s flexible and adapts to your lifestyle, whether you have a fixed income or variable earnings. The 50-30-20 rule is a powerful way to take control of your finances. And with the king+ card, it becomes even easier: Up to 3% cashback on many purchases. A transparent app that shows exactly how much you’ve spent. Quick top-ups for maximum flexibility. Start 2025 with a clear plan, follow the 50-30-20 rule, and make the most of your money to achieve your goals!
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