No, there are "anonymous" cards and "personalized" ones. Anonymous cards can't be refunded if you lose them, they also can't be linked to a bank account to auto

No, there are "anonymous" cards and "personalized" ones. Anonymous cards can't be refunded if you lose them, they also can't be linked to a bank account to automatically add value to the card "purse". A large percentage of the resident cardholders have the personalized cards because it means not having to use cash at machines to add value.