It’s like a checking account right on your phone.
And it’s only from T-Mobile.

Mobile Money is a combination of a money management app, a T-Mobile Visa® Prepaid Card, and a surcharge-free nationwide ATM network that brings many of the features of a traditional checking account right to your phone. So you can manage your card account virtually anywhere.

Want to deposit your checks? Just take a picture with your phone. You can also pay bills, shop online, and set up Direct Deposit. See how it works.

Spend more on you. Less on fees.

We think it’s wrong to charge you high fees to use your own money. That’s why we created Mobile Money. T-Mobile customers pay $0 for things they do every day.

  • $0 withdrawal fees at over 42,000 in-network ATMs
  • $0 monthly maintenance fees
  • $0 reload fees in T-Mobile® stores
  • $0 retail purchase fees

A faster tax refund. An extra $20.* That’s a win-win.

Why should you sign up to get your tax refund through a Direct Deposit to your T-Mobile Visa Prepaid Card?

  • Direct Deposit allows you to get your tax refund faster than you would with a traditional check.
  • Set up your 2014 tax refund with a Direct Deposit to your T-Mobile Visa Prepaid Card and get $20 on us.*
Direct Deposit allows faster refund access versus a paper check; see

Frequently asked questions

No, this is a prepaid debit card. That means there is no credit check, and you can spend only what you have deposited on the card.

There are fees for non-typical use. For example, if you want your personalized card shipped overnight, you’ll have to pay that fee. If you forgot to pay a bill and you need to get the funds there immediately, there is a charge for that. And if you choose to use an ATM that is outside of our partner network, then you will be charged a small fee. You can find a list in the terms and conditions. People who are not on a qualifying T-Mobile plan will incur additional fees.

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) provided on your personalized direct deposit form. You can use this information whether you are filing online, by mail or through your local tax preparer.

Note: Refund Direct Deposits MUST be in the name of the cardholder to be accepted and posted to the T-Mobile Card Account. More information here under LOADING MONEY > Tax Refund

No, but it would be better if you were! Anyone can use our card, but we save the best benefits for our customers. There are other ways you can get your monthly fees waived, but the easiest way is to be a T-Mobile customer.

Nope. Your wireless service is completely separate from the card. We’ll be sorry to see you cancel your card, but we still love having you as a wireless customer!

No, we are not a bank! But, we don’t think it’s fair for banks to charge our customers lots of high fees, so we’ve found a way to do it better.

Yes, if they also are cardholders. You’ll need their wireless phone numbers and the last 4 digits of their cards. You can send $100 a day, and up to $500 in a month. This is perfect for kids who are away at college.

Don’t worry, you’re covered. With Visa Zero liability, you won’t be liable for any purchases made without your consent. Just remember to report the loss or theft as soon as possible. Our reps will ask you about whether you authorized the most recent transactions, and then we can ship you out a new card right away.