From ACH direct debit to Prepaid card?
This would be exactly the sort of product that a thief would want, if they had got ahold of some account numbers and wanted to steal the money from those accounts, in a way that would let them spend it as conveniently as possible. That should explain why I think it's unlikely that any such product exists.
I contacted Virgin Money to ask if the prepaid card you mentioned offers a Swift/BIC code, and they gave me this response: We do not have a Swift or BIC number for the Virgin Prepaid Card. You are unable to transfer funds from the Prepaid Card to another bank but you can set up a bank transfer to the Prepaid Card. Once you receive your card you can log onto your online account and you will have a form you can print off. On the form you will have an account number, sort code and a unique reference number for your bank to set up the transfer. This may work for your purposes, or it may not. If you want more information about that specific card, your best bet is to contact them and ask any other specific questions you have. The same strategy should work for any prepaid card company. Just call or email them, describe your situation, and ask if their card will work. Automated Clearing House transactions are used in the US for direct deposit of pay checks and direct debit of many payments for accounts such as mortgages, credit cards, car loans, insurance premiums, etc. The reason they take one or more business days to clear is that the transactions are accumulated by each processor in the network during the day and processed as a batch at the end of each business day.  The ACH network processes 20+ billion transactions per year worth $40 trillion, (estimates based on 2012 figures). Typically, a direct debit is set up by the company who will be receiving the money, not by you or your bank. So you need to contact your credit card company, and ask them to set up the direct debit. You cannot directly transfer money from your Bank Account.   You can use Debit Card to make payments to your paypal account. Just enter the details of the payment and amount, it would make the necessary deduction from your debit card.   Indian regulations do not allow you to store value in your paypal account. This credits have to be transfered to a Bank account. If your old bank has online billpay, you might be able to either use that to send a check to yourself, or do an ACH transfer directly into your new account. A debit card takes the funds right from your account. There's no 'credit' issued along the way. The credit card facilitates a short term loan. If you are a pay-in-full customer, as I am, there's a cost to lend the money, but we're not paying it. It's part of the fee charged to the merchant. Thus the higher transaction cost. 1% is below interchange, so you either 1) take mostly debit, 2) have someone willing to literally lose money paying the banks for you, or 3) have hidden/padded fees somewhere else.  Edit: Or 4) Have customers pay the fees through surcharging. In case the other ATM is visa enabled, many bank allows transfer to visa card through their ATM. More details about your banks are required for a very specific answer. I suppose both banks are Indian Bank, which bank ? "A couple of thoughts and experiences (Germany/Italy): First of all, I recommend talking to the Belgian bank (and possibly to a Dutch bank of your choice). I have similar conditions for my German bank accounts. But even though they talk about it as salary account (""Gehaltskonto"") all they really ask for is a monthly inflow of more than xxxx € - which can be satisfied with an automatic direct transfer (I have some money automatically circulating for this reason which ""earns"" about 4% p.a. by saving fees). In that case it may be a feasible way to have a Belgian and a Dutch bank account and set up some money circulation.  Experiences working in Italy (some years ago, SEPA payments were kind of new and the debits weren't implemented then):  My guess with your service providers is that they are allowed to offer you contracts that are bound to rather arbitrary payment conditions. After all, you probably can also get a prepaid phone or a contract with a bill that you can then pay by wire transfer - however, AFAIK they are allowed to offer discounts/ask fees for different payment methods. Just like there is no law that forces the store around your corner to accept credit cards or even large EUR denominations as long as they tell you so beforehand.   AFAIK, there is EU regulation saying your bank isn't allowed to charge you more for wire transger to foreign country within the SEPA zone than a national wire transfer." Unfortunately not. Even if the credit card balance is positive (i.e. customer has overpaid the credit card account), you cannot withdraw cash (for free) - as any cash withdrawal is subject to 12.9% interest - even if repaid in full at the end of the month! The clarity credit card is one of the best cards for overseas spending, as its load free (no fees for purchases abroad) and it gives near perfect exchange rates. If your balance is positive, you start at £0, then fund that credit card account from your bank account £500. You can then spend on your credit card, and when your next bill is due at the end of the month - they will use that extra £500 sitting in your account first, and ask for the remainder from you. i.e.  scenario1:  scenario 2: It is better in my opinion, to set up a direct debit to always clear out the full amount on your credit card. That way, you have cash in your bank account for emergencies (getting £500 back from a credit card will take a few days to process as opposed to having the ability to withdraw cash from the cashpoint 24/7). And once the direct debit is paid automatically at the end of the month, there are no fees - voila your credit card is almost like a debit card, spend on it when you like, it gets paid automatically, no hassle, no worries. This approach does take a careful mindset though, as you need to know your credit limits and also you need to ensure your bank account has enough to pay off the direct debit at the end of the month. Otherwise those darn fees will get you (and hurt your credit rating). For cash spending, you will want to either take cash with you (check online here for best rates & get the money well in advance to avoid fees). Also in some countries the exchange rate is better there, than in the UK, google will help you here. If you dont like the idea of carrying large sums of cash with you can use a prepaid card like CaxtonFX, which is one of the better ones out there. The other well known ones are FairFX and Travelex Cash Passport. If you are solvent enough, and organised enough to pay your credit card bill in full each month, then use the credit card.  There are no disadvantages and several plus points, already mentioned. Use the debit card when you would be surcharged for using the credit card, or where you can negotiate a discount for not subjecting the vendor to credit card commission. Call Wells Fargo or go to a branch.  Tell them what you're trying to accomplish, not the vehicle you think you should use to get there.  Don't tell them you want to ACH DEBIT from YOUR ACCOUNT of YOUR MONEY.  Tell them you apparently need a paperless transaction sent to this and that account at this and that bank.  See if they offer a solution. Debit cards are the dumbest development ever. I now have a piece of plastic that allows any yahoo to cause me to bounce my mortgage. Great. Throw away the debit card. Use a credit card and exercise some self control. Take out a sufficient amount of cash to cover your weekly incidental expenses under $50. If you want something that costs more than $50, wait a week and use the credit card. You'll find that using cash at places like the convenience store or gas station will cause you to not spend $3 for a slim jim, lotto ticket, donut or other dumb and unnecessary item. Credit cards always charge for withdrawing cash, because if they didn't then you could have an indefinite loan and pay no interest simply by withdrawing enough cash each month to pay off the previous month's bill before the due date. It's nothing to do with using an ATM -- they'll charge you for getting a cash advance over the counter as well. "It sounds like what you are looking for are sites that offer pre-paid debit cards as rewards. A number of survey/get-paid-to sites do offer these as a potential reward; they are more irritating than having the money in a bank account or paypal balance, as they expire if not used within some amount of time, and generally come with restrictions on what you can use them on (they work like credit cards, but the site providing the card can reject your request if it doesn't like the site you're trying to pay.). Plus, you can only use a single debit card per purchase, so if you have two $20 prepaid cards, you can't use them both to make a $40 dollar purchase. Still, this does satisfy your requirements, assuming the game you want to transfer to and the provider of the prepaid card you're being rewarded with are willing to work together. You can use SurveyPolice to search for sites that offer the type of reward you want - filtering by offered reward type is an option under their ""pick-a-perk"" page.  Though it's likely many of those sites also require you to be at least 18 as well, as that's a pretty common restriction - you'll have to verify that part yourself. For that matter, you would want to check age restrictions on the sites those sites partner with to offer prepaid cards, as well."