Shemittat Kesafim in Rav Kav Recharge
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Question
I haven't lent money to anyone, I only recharged money on Rav Kav. Do I need to make a Prozbul?
Answer
Shalom Rav
Recharging on Rav Kav is not annulled in the Shemittah year, as it is not a debt but a payment for a service, namely the trips you can take with this money.
However, it is highly recommended to make a Prozbul even if you do not remember a specific debt, so that you do not recall it after Shemittah when you cannot collect it. Additionally, any deposit in a bank or savings plan is considered a debt, and a Prozbul should be made so that you can withdraw the money according to the law.
Source
Shulchan Aruch, Choshen Mishpat, Siman 67