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How can I determine what fees may be imposed on gift cards?

Federal law requires that certain fees, such as service fees, be disclosed on the card itself. The issuer may also disclose fees through other means, such as card packaging, related pages on the bank's website, or accompanying documentation (e.g., terms and conditions).

Refer to 12 CFR 1005 "Electronic Funds Transfer (Regulation E)."

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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