No, you do not have to load funds onto the card at the time when you create the card. To avoid loading funds, enter zero as the Amount.
Note: If a minimum amount is set for a card type, you can skip loading or load a minimum amount. You cannot load a positive amount that is below the minimum value. For example, if the minimum is 10 Euro, you can load the card with 10 or more Euro or zero but you cannot load the card with 5 Euro.
To auto-load the card later, click the Scheduled Loads [+] link. You can schedule up to three load operations (see What are scheduled loads?). Enter amounts and dates in respective fields: Scheduled Load Amount and Load Date. The system will auto-load funds on selected days.