Getting a T-Mobile Card

The T-Mobile Visa Prepaid Card gives you the power to make purchases worldwide everywhere Visa debit cards are accepted. You can use the Card for everyday expenditures when you are at home, out and about or abroad! The T-Mobile Card can be used to make online, phone or mail order purchases. It can also be used at millions of ATMs worldwide (both in-network and out of network ATMs; Card registration required). If your card is ever lost or stolen, the Visa Zero Liability Policy protects you from unauthorized use* (see disclosure below for more information).
You must be a U.S. citizen or U.S. resident alien over 18 years old with a valid Social Security Number and a verifiable physical street address to get a Card. Currently we do not offer T-Mobile Cards to residents of Puerto Rico, Guam, U.S. Virgin Islands, American Samoa or other U.S. territories. During the registration process, you will be required to supply your name, a verifiable physical U.S. street address, date of birth, and Social Security Number. P.O. Boxes are not acceptable.

If you are a T-Mobile wireless customer and do not have a Social Security Number or do not want to share it, we allow you to scan another form of government documentation for registration.

No, but many fees will be waived if you provide your T-Mobile wireless number at registration.
Getting a T-Mobile Card is easy Click here to order a card online and a T-Mobile Card, personalized with your name, will be mailed to you once registration is complete. Or, purchase a T-Mobile Card at a retailer, and begin using it right away.
You must be at least 18 years of age. You must be 14 years or older, to get a secondary card to your account.
Yes, as long as you are a permanent resident age 18 and over with a verifiable physical U.S. street address (no P.O. boxes) and a valid Social Security number. If you are a T-Mobile wireless customer, you can supply a form of government documentation for registration.
Your first and last name, verifiable physical U.S. street address (no P.O. boxes), phone number, email address, date of birth and Social Security Number.
We are required by Federal Law (USA PATRIOT Act) to obtain, verify and record information including your first name and last name, verifiable U.S. street address (no P.O. Boxes), date of birth, Social Security number and other information that will allow us to reasonably identify you. This requirement helps to prevent the card from being used for illegal purposes.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: when you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
You can still enroll using your Individual Taxpayer Identification Number (ITIN) or Tax ID. If you are a T-Mobile wireless customer, you can also register by submitting a photo of an approved form of government documentation such as your driver’s license, matricula consular, foreign passport, or foreign ID.

When using an approved government document for registration:

  1. You must be a T-Mobile wireless customer
  2. You can only register without a Social Security Number once per valid T-Mobile phone number
  3. Some features such as remote check deposit and connecting your bank account will not be available
No. The T-Mobile Card is not a credit card or a gift card, it is a reloadable prepaid card. To use it, you must first load money into your T-Mobile Card account. To load money initially, you can add cash at participating retail locations. After registering your card and receiving a T-Mobile Card personalized with your name, you have more options to load: you can load directly from your bank account, direct deposit all or part of your paycheck, deposit your government benefits or reload cash at retailers, including T-Mobile stores. When you use the T-Mobile Card, the amount of your purchase is automatically deducted from the card account balance.
There are a few reasons why you may not successfully pass the verification process for a personalized card. For more information on your account status, please contact the number on the back of your card for and a customer service representative can assist you.
Please allow 7-10 business days for your T-Mobile Card personalized with your name to be delivered.

Using My T-Mobile Card

Click here or activate your card via the Mobile Money card app. You can also call the 24-hour automated phone system toll free at (866) 306-9636 to activate your card.
Registering your T-Mobile Card allows you to enjoy the full range of benefits including direct deposit, bill payment, withdrawals at an ATM and sending money to another T-Mobile Card cardholder. When you register your card, you will receive a T-Mobile Card personalized with your name. If you do not register your card, you can only spend the initial amount on your card.
After registering your card, you can use the T-Mobile Card to obtain cash from any Automated Teller Machine ("ATM") that bears the Visa Acceptance Mark. All ATM transactions are treated as cash withdrawals. You will need to enter your PIN when prompted, and select “checking” to access your money. There is no fee at an in-network ATM. A fee applies to each ATM withdrawal from an out-of-network ATM, in addition to any fees the ATM terminal owner may impose.
You will receive your PIN when you activate your Card. You can change your PIN by logging into your online card account and selecting Account Settings under the My Account tab or calling the 24-hour automated phone system at (866) 306-9636. Note: you cannot use your PIN to withdraw cash until you have completed registration.
The T-Mobile Card can be used everywhere Visa debit cards are accepted. Your T-Mobile Card can be used to make purchases online, over the phone, or through mail order. In addition, once you register your T-Mobile Card, you can use it to check your balance and withdraw cash at ATMs. Note: Not all car rental companies and hotels accept prepaid cards.
The T-Mobile Card can be used anywhere Visa debit cards are accepted. Due to regulatory requirements, there are certain regions and locations where transactions may be restricted. For questions regarding restrictions, please call 1 (866) 306-9636.
Absolutely! Log into your online card account, select ‘My Phone’ and enter your wireless phone number. From there, you will be guided through the steps in order to pay your bill.
When purchasing gas, it is strongly recommended that you pay inside at the cashier. If you choose to pay at the gas terminal outside (pay at the pump), you must have at least a $125 balance. If you don't have at least a $125 balance, your purchase may be declined.
Yes, but use caution. When the total amount due is unknown (for example when you check into a hotel), merchants have the right to pre-authorize the purchase, which puts a hold on the funds. A restaurant, for example, might hold up to 20% or more to cover whatever you tip. To avoid this kind of hold, we recommend that you call hotels and rental car companies first to inquire about their prepaid card policy.
There are no withdrawal fees if you use one of 42,000 in-network ATMs. The nearest in-network ATM can be found here. If you use an out-of-network ATM, you will be charged a $2 Domestic ATM Withdrawal Fee in addition to any fees charged by the ATM owner.
Yes, you may use your T-Mobile Card everywhere Visa debit cards are accepted. Your card must be registered before most merchants will let you make an online purchase. Most websites also ask for your security code (3 digit code on back of card near signature panel). See the example below to find your CVV2 code:
Card Verification Number
CALL IMMEDIATELY (866) 306-9636 if your card is lost or stolen. After you cancel your T-Mobile Card, a replacement card with the remaining balance will be mailed to you, if the card has been registered. A fee for this service may apply. As long as the lost or stolen T-Mobile Card is reported immediately, you generally will not be responsible for any unauthorized charges. Note: full reimbursement of any fraudulent charges is provided through the Visa Zero Liability Policy* (see disclosure below for more information). We reserve the right to review any disputed charges based on our risk policy.
If you suspect an error, have questions about a transaction, or wish to dispute a transaction that has been posted to your Card Account, log into your Card Account to download a dispute form. You will be required to provide the following information:
  • Your name, address, and phone number
  • Your prepaid card account number
  • A description of the error or the transaction you are disputing. Explain as clearly as you can why you believe it is an error or why you need more information.
  • The dollar amount of the suspected error
  • Your e-mail address
Send the above information to:
Customer Service
6220 Stoneridge Mall Road
Pleasanton, CA 94588
or fax-(623) 336-6699
or email to bhn.disputes@bhnetwork.com
You can also file a dispute by calling (866) 306-9636
If you would like to close or cancel your Card Account, please call (866) 306-9636 and select to speak to a representative.

Loading Money

Direct Deposit

There are multiple ways to reload money onto your T-Mobile Card that is personalized with your name: via cash at a retailer, direct deposit, or bank transfers. The best way to have money loaded to your T-Mobile Card Account is through direct deposit. With direct deposit, you can have all or part of your pay, dividend, disability, and government checks (Social Security, tax refund, welfare, etc.) sent directly to your T-Mobile Card Account. There's no fee for loading your Card Account via direct deposit. You can also load your card for free by a transfer from your bank account. You can also reload your Card by purchasing a Reloadit Pack at thousands of participating retailers, at any Visa ReadyLink reload location or free at a T-Mobile retailer, amongst others. Load fees and limits vary by retailer. Click here to find a retail location near you.
Log into your account, click Add Money and then select the type of Direct deposit you would like to set up.
  • Directly deposit your paycheck
  • Select the card account you would like to deposit your paycheck to and print your personalized direct deposit form.
  • Sign the form and bring it to your employer’s payroll department.
  • Tell them how much money you’d like to add to your card account. You may add part or all of your paycheck (1% to 100%).
  • Directly deposit your Government benefits check
  • Select the card account you would like to deposit your benefits check to and select the type of benefit you receive.
  • Review that your information is correct, read the Terms and Conditions and submit your enrollment to the U.S. Treasury.
Yes. You can load your tax refund or other one-time payments from institutions that offer direct deposit. Use the routing number and Direct Deposit Account (DDA) number (NOT your 16-digit card account number) that is provided on your personalized direct deposit form.
Yes. Your tax refund can be loaded directly to your Card Account by including the T-Mobile Card routing number and Direct Deposit Account (DDA) number (NOT your 16-digit card account number) that is provided on your personalized direct deposit form. You can use this information when you are filing online, by mail or through your local tax preparer.

Note: Tax refund direct deposits MUST be in the name of the cardholder in order to be accepted and posted to the T-Mobile Card Account.
When you change jobs, payments from your previous employer stop automatically. To re-enroll in direct deposit with your new company, fill out another direct deposit form, sign it and hand it to your new employer. You can receive direct deposits from more than one employer at the same time.

Bank Account Transfer

You can connect to your U.S.-issued checking or savings account for one-time or recurring transfers of funds into your card account. You can connect your account using your bank login credentials or by setting up trial deposits. Click here to connect your bank account using one of these methods.

Bank transfer is not available if you registered without a Social Security number or Tax ID. You can still transfer money from your bank account by providing your T-Mobile Visa Prepaid Card account and routing numbers to your bank and setting up a funds transfer. Click here to obtain your account and routing information or call customer service for help registering again using your Social Security Number or Tax ID at (866) 306-9636.

Bank fund transfers typically take 3-4 business days to process and post to your T-Mobile Card, once your bank account is verified.
There is a daily limit of $250; monthly limit of $500. Transactions must be a minimum of $10.
Any checking or savings account opened in the U.S. can be linked for bank account transfers.
Yes, you can link multiple checking and/or savings accounts to transfer money from your bank. The maximum number of accounts you can add is five (5).
Only customers who register using their Social Security number can use this feature.

Government Benefits

  • Submitted - Your enrollment request has been submitted but has not yet been sent to the U.S. Department of the Treasury. Submissions are sent to the U.S. Department of the Treasury once a day.
  • Submission Pending - Your enrollment has been created but will not be submitted to the U.S. Department of the Treasury unless it is resubmitted or you contact Customer service.
  • Processing - Your submitted enrollment has been sent to the U.S. Department of the Treasury.
  • Enrolled  -  Your enrollment was successfully accepted and a payment will be made to your T-Mobile Card Account.
  • Contact Customer Service - There was an issue processing your enrollment. Contact Customer Service toll free at (866) 306-9636.
Generally, your benefits provider will require the entire amount of your government benefits check to be deposited to your Card Account. You will need to contact your benefits provider if you wish to deposit part of your pay.
You can cancel the direct deposit of your government benefits at any time by contacting the Federal agency that administers your benefit. For contact information, click here.
You should begin receiving the benefit on your T-Mobile Card Account within 2 benefit cycles (typically 30 days). Click here to view the status of your enrollment.
Secondary cardholders can only spend funds from the primary account, they cannot load money nor get money from an ATM.

Tax Refund

You can have your tax refund directly deposited to your T-Mobile Card. Simply gather your Routing Number and Direct Deposit Account Number from the cardholder website (note: this is not the 16-digit number on the front of your card). Be sure to check “Checking Account” when designating an account type. To find out what your Routing and Account Number is, login to your online card account and under the Add Money tab, choose Deposit Tax Refund.
T-Mobile does not know the status of your tax refund. You may visit the tax refund site, “Where’s my Refund” to get an estimated date of when you will receive your tax refund or call the IRS Refund Hotline at 1 (800) 829-1954.
It can take up to 48 hours for your refund to be available for use once the IRS has posted it to your T-Mobile Card Account. If your tax refund has not yet posted to your card and it is outside the processing time frame you were quoted, please contact the IRS directly at 1 (800) 829-1954.
There are many reasons why funds can be held on the card. Incoming deposits, such as tax refunds or payroll deposits, may be reviewed for fraudulent activity. This could result up to a 48 hour delay. Another reason could be when the total amount due is unknown, for example when you check into a hotel or pump gas, merchants have the right to pre-authorize the purchase, which puts a hold on the funds to ensure you have enough to cover the charge. A restaurant, for example, might hold up to 20% or more to cover a tip.
Yes, as long as one of you is the cardholder.
No, tax refunds must be in the name of the cardholder in order for it to be accepted and posted to the card account.

Reloadit Pack

After registration, you can also reload your Card by purchasing a Reloadit Pack at thousands of participating retailers, at any Visa ReadyLink reload location or free at a T-Mobile retailer. Load fees and limits vary by retailer. Click here to find a retail location near you.
The Reloadit Pack enables you to reload any T-Mobile Card Account.
  • Purchase at participating retailers.Click here to find a Reloadit Pack retailer near you. A reload fee will be added to your purchase.
  • Go to www.Reloadit.com or call 1 (888) 633-9434 to apply the funds to your card. You will need the 10-digit number located under the scratch-off on the back of the Reloadit Pack, and the amount will be loaded onto the Reloadit Pack (excluding the reload fee).
  • The funds will be applied to your Card Account.
Visa ReadyLink is available at thousands of convenient and accessible locations nationwide.
  • Click here to find a Visa ReadyLink location near you.
  • Go to any register and tell the clerk you would like to perform a Visa ReadyLink prepaid card load transaction.
  • Swipe your T-Mobile Card and enter the amount you would like to load. The load fee varies by location.
  • Give the cash to the clerk ($20 minimum and $950 maximum and a $4 purchase fee; amounts may vary by retail location). Your money will be available in your T-Mobile Card Account within 5 minutes.
The minimum daily load limit across all reload channels is $20 and the maximum is $2,500-per transaction.


You can use MoneyGram ExpressPayment® service to add funds to your T-Mobile Card.
  • Find a MoneyGram agent location near you.
  • Complete the MoneyGram ExpressPayment® blue form.
  • Use Receive Code 1207 and your card number as the account number.
  • Load funds. A load fee of $3.95 will apply.
Click here to view an example ExpressPayment® blue form.
Bring the following information with you when you visit a MoneyGram agent location:
  • Company Name: T-Mobile
  • Receive Code: 1207
  • Account Number: Your 16-digit card number
  • City/State: Pleasanton, CA
Money loaded via MoneyGram is generally available immediately. Check your T-Mobile Card balance to confirm availability.
There are thousands of MoneyGram agent locations nationwide. Find the nearest MoneyGram agent location by clicking here, or call 1-800-926-9400.


You can reload your T-Mobile Card at any T-Mobile retailer at no cost. Find a store near you here. You may load any amount between $20-$500

Mobile Check Deposit

The maximum deposit value per day is $2,500. There is no limit to the number of checks you may deposit in one day.
Check deposits must be in the amount of $5.01 or greater.
If you choose the 10-day no-fee option, your funds will be loaded onto your card in 10 days, if your check is approved and not returned unpaid.
Yes, you can get a check deposit expedited and there is a cost. You will be charged 1% of face value for payroll or government checks; or 4% of face value for a regular check. Minimum of $5 fee per expedited transaction is charged. If you choose to pay this fee, your money will be available on your card if your check is approved after as few as 2 minutes or, in rare instances, as long as an hour. The expedited check deposit fee is charged by our partner, Ingo, and is not billed to the Card.
No, this feature is only available for customers who registered with a valid Social Security Number.
You can deposit traditional preprinted payroll and government checks, attorney checks, cashier’s checks, handwritten payroll checks, insurance checks, money orders, rebate checks, refund anticipation checks, and two party or personal checks. Please note that you can’t load checks that aren’t made out to you, such as conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, and warrants.
Once funds are loaded onto your card, they are ready to spend. No deposit reversals, no overdrawn accounts, no hidden fees. Our partner, Ingo, does reserve the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere, or if you otherwise act illegally or fraudulently.
In order to prevent a check from being submitted twice, you may be asked to write ‘VOID’ across the front of your check after it has been approved for funding and submit a photo of the voided check prior to release of funds to your card.



  • T-Mobile Wireless subscribers who provide their T-Mobile wireless number at registration

Purchase / Maintenance Fees

  • Retail Purchase Fee
    *Retail Purchase Fee refunded to Card Account for T-Mobile wireless subscribers upon registration
  • Monthly Maintenance Fee
    $5.00 / month
    Waived for cardholders who load $500 or more on the Card during the preceding monthly billing cycle

Value Load/Reload Fees:

  • Retail
    $0 in T-Mobile stores;
    $3.00 - $3.95 elsewhere (varies by retailer). Fee is refunded for reloads of $300 or more
    $3.00 - $3.95 (varies by retailer)
    Fee is refunded for reloads of $300 or more
  • Direct Deposit
    No charge
  • Visa ReadyLink
    Varies by retailer

Transaction Fees

  • POS PIN Transaction
    No charge
  • POS Signature Transaction
    No charge

ATM Fees

  • Domestic ATM Withdrawal Fee
    $0 at in-network ATMs nationwide
    $2.00 at out of network ATMs
    (see explanation below)
  • Domestic ATM Balance Inquiry Fee
    $0per transaction
  • International ATM Withdrawal Fee
    $4.00 per transaction
  • International ATM Balance Inquiry Fee
    $1.00 per transaction.
In addition, when you use an out of network ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.

Service Fees

  • Foreign Transaction Fee
    2.0% of the amount of the Foreign Transaction
  • Teller Cash
    Withdrawal Fee $2.00 per transaction
  • Card to Card Transaction
    No charge
  • Customer Service
    No charge
  • Reissue Card
    No charge
  • Lost/Stolen Replacement Card
    $6.00 per request.
  • Secondary Card Issuance Fee
    $5.00 per request.
  • Express Card Shipping Fee
    $25.00 per request
  • Check Request Fee
    $5.95 per request
    (charged if your Card Account is closed and a check is issued for the remaining balance).
  • Bill Payment Fee – Electronic/Paper Check
    No charge
  • Bill Payment Fee – Expedited
    $10.00 per transaction
  • Fee for Written Account History
    $3.00 per request
There are no overdraft fees. The T-Mobile Card is a prepaid card – you only spend what you load.

Bill Payment

With T-Mobile Bill Payment, you can send a one-time or recurring payment to any of thousands of payees. The amount is deducted from your available balance when your bill is paid. You can set up, edit, send payments and view your payment history via your online Card account. Registration is required before using the bill payment feature.
You can access T-Mobile Bill Payment to set up payees, send payments and view your transaction history via your online Card account.
  • Set up a payee. You will need the payee's name and address and the payee account number if you have one.
  • Enter the amount you want to pay and the date you want payment sent. The screen will populate the first available date the payment can be received. If expedited payment is available, you can select it by checking the box. (There is a Bill Payment Fee - Expedited of $10)per transaction. We strongly recommend you schedule your payment at least five (5) days before the payment due date to make sure the payment reaches your payee in time.
There is no charge for standard bill payments. Expedited bill payments are available for a $10 charge.
Payees receive payment on the day you have chosen. If the payee is not in the automated payment network, and a manual paper check has to be sent, please allow additional time for USPS to deliver your payment.
There is an expedited/same day payment option for a $10 fee. Payments must be received prior to 11:00 am CST in order to be delivered the same day.
You can log in to your online card account and review your payment activity. We recommend that you sign up for automatic alerts to remind you about upcoming and completed bill payments. Bill Payment alerts can be sent to your cell phone** and/or your email address. Log in to set up your alerts.
**Standard text messaging fees may apply from your wireless service provider.
Due to legal requirements, we can only schedule payments in United States currency to payees within the United States.
If you do not have enough money in your Card Account on a payment date, the scheduled payment will be suspended and will not be sent. You do not incur any fees from your T-Mobile Card Account. You could, however, incur a late payment fee or other penalty from your payee if you do not make your payment on time. We recommend you sign up for transactions alerts to automatically notify you of any paid or missed payments. We are not responsible for your failure to make any scheduled payments due to insufficient funds. Please see the full Bill Payment Terms and Conditions for complete information concerning this service.
Many payees accept electronic payments, but not all. After you enter your payee's information we will be able to identify if your payee accepts electronic payments or not. This information will be displayed in the ‘Estimated Days to Delivery’ section of the payment page. Please allow 2 business days for electronic payments and 5 business days for paper check delivery.
We issue payments automatically on the exact date that you specify. If you are paying a manual payee, T-Mobile issues a paper check. You should choose a payment date at least 5 business days prior to the payment due date. This will allow the paper check issued on your behalf to reach your payee on time. If your payment is late, the payee may assess late fees.


With alerts, you automatically get a text message* and/or email when a specified card account activity occurs.

You can choose any of the following alerts:
  • Daily balance alert
  • Weekly balance alert
  • Transaction alerts – approved or declined transactions, loads, bill payments, etc.
  • Service alerts – password changes, PIN changes, etc.
You can sign up for alerts by logging into your Card Account online and selecting Account Settings under the My Card Account tab.

*Note: If you choose to receive text messages, standard text messaging rates from your wireless provider may apply.
You can sign up for alerts by logging into your Card Account online and selecting Account Settings under the My Card Account tab.

Additional Cards

Yes, you can add one additional card to your T-Mobile Card Account. Secondary cardholders must be 14 or older and have their personal information verified. There is a Secondary Card Issuance Fee of $5 for an additional T-Mobile Card for non – T-Mobile wireless customers.
Both the primary T-Mobile Card and the secondary T-Mobile Card will share the same card account funds. The name of your family member or friend will be embossed on the additional T-Mobile Card. Each card will have its own unique 16-digit card number, but both cards will have access to the same available funds.
A secondary cardholder can only spend with their Card. They cannot withdraw from an ATM, use the Bill Payment feature, or reload the card as can the primary cardholder.

Note: The primary cardholder is liable for all transactions made with both Cards. The primary cardholder must notify T-Mobile to revoke permission of any person previously authorized to use the card. Primary cardholders are responsible for all transactions and fees incurred by them or any authorized users. In the event a secondary user's privileges are revoked, T-Mobile may choose to reissue the primary card with a new number. The primary cardholder is wholly responsible for the use of each card according to the terms of the Cardholder Agreement.
To order an additional T-Mobile Card for a friend or family member, log in and register a Card for a friend or family member. There is a Secondary Card Issuance Fee of $5 for an additional T-Mobile Card for non – T-Mobile wireless customers.
You can order one additional Card. There is a Secondary Card Issuance Fee of $5 for an additional T-Mobile Card for non – T-Mobile wireless customers.

Sending Money

You can send money to another T-Mobile Card cardholder or receive money from another T-Mobile Card cardholder by using the Send Money feature. To send money, simply add recipients to your contact list, select them, enter the amounts to send, and the funds are instantly deducted from your T-Mobile Card balance and credited to their account balance.
You'll need to know the recipient's phone number that they used to register their T-Mobile card, and the last 4 digits of their T-Mobile Card number.
You can send or receive up to $500 per day and $2,500 per month.


The T-Mobile Card website uses the latest 128-bit encryption technology to secure your Card Account and personal information online. We follow strict procedures to ensure your Card Account and personal information is never shared or misused in any way. For more information regarding your privacy, please view our Privacy Policy.
The T-Mobile Card website is best viewed with Microsoft Internet Explorer 9.0 or higher, Firefox 25.0 or higher, Safari 5.1 or higher, and Chrome 31.0 or higher.

*The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholders must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.