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Sign up right now for the AmEx Serve Card for free, and pay $0 monthly fee or annual fees to use it. It functions as a digital prepaid debit card (you can also use it in person) that lets you send or receive money via email, text or Facebook. It also has free app for iPhone, Android, or Windows devices that lets you move money or make payments from your mobile device without any fees (unlike Amazon Payments or PayPal). You can use it anywhere AmEx cards are accepted, and will automatically be covered by AmEx purchase protection and other AmEx benefits.