You can only load unlimited passes to ones with a picture.
I thought that with the new system, and using the mobile app it calculates automatically and gives you the best deal based on use.
That being said, I loaded mine on my daughter's phone for her recent trip, and it seemed to do that on a daily basis, but not give her the monthly rate which would have been better.
If lost, you can transfer the balance to a new card (so I'm told).
That might be correct, but if not discounts then why carry a balance? Just link it to a mobile app and get charged best rate (ostensibly).