COGEBANQUE prepaid Mastercard is a payment card that is loaded with money. It looks just like any normal credit or debit card, with a card number, signature strip and company branding. A prepaid debit card is very different from a debit card. A debit card is linked to your current account; a prepaid debit card is not. Instead, you load in advance funds onto a prepaid card, and then use the money you have loaded onto the card.