Buh-bye checkbooks. Hello Mobile Money.

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

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

Need cash? Withdrawals are surcharge-free at over 42,000 in-network ATMs nationwide.

Bring your money to T-Mobile, and free yourself from checking fees at the bank.

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 in-network ATMs*
$0 Monthly maintenance fees*
$0 Reload fees in T-Mobile stores*
$0 Retail purchase fees*

Sign up for Direct Deposit and get a $20 credit

With Direct Deposit you can get your paycheck faster than with traditional banks** and avoid annoyances like check-cashing fees and waiting in line. And, right now, you can get a $20 credit.**

Here’s how:

  • Complete two direct deposits of $100 or more within 75 days of activating your personalized card.
  • Receive your $20 credit to your T-Mobile Card within 15 days of successful completion of your second deposit.

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.

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.