# Robinhood Cash Card®

You can use your Robinhood Cash Card virtually anywhere that Mastercard® is accepted around the world. You can make purchases at stores or online, reserve a hotel or open a tab at a restaurant, get cash, and more.

If you opted for the virtual card only, you can use it online and through Apple Pay, Google Pay, and Samsung Pay.

You can use your Robinhood Cash Card 24 hours a day, 7 days a week, as long as you have enough available cash in your spending account to cover purchases.

#### What’s available cash?

Available cash is any cash that you have in your spending account that you can withdraw or spend. You can find the amount of available cash you have at the top of the Spending tab.

#### How do I get cash with my Robinhood Cash Card?

You can use your Robinhood Cash Card to get cash at any in-network ATM or by asking for cash back after typing in your PIN at participating stores.

You can search in your app to find the closest in-network ATM. You can also use your card at an out-of-network ATM; however, you may need to pay the ATM operator a fee.

#### Can I make deposits with my Robinhood Cash Card?

We do not currently support cash or check deposits.

#### Can I use my Robinhood Cash Card abroad?

You can use your Robinhood Cash Card virtually anywhere in the world that Mastercard® is accepted. Mastercard® will automatically [convert currencies](https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html) for you at a rate selected by Mastercard, and Robinhood won’t charge any foreign transaction fees on debit card transactions. Please note that if you choose to pay a foreign debit card transaction in US Dollars, or choose to withdraw funds from a foreign ATM in US Dollars, the merchant or ATM operator may charge you a currency conversion fee. See our [Cash Card Agreement](https://cdn.robinhood.com/assets/robinhood/legal/robinhood-money-prepaid-debit-card-agreement.pdf) for information about foreign currency exchange.

You can also use your Robinhood Cash Card at over 15,000 free international ATMs in addition to the over 75,000 free ATMs available in the United States. In order to search for the nearest in-network ATM, use the “Find Fee-Free ATMs” section in your app to find the nearest withdrawal locations.

Keep in mind, your card won’t work in a few banned countries and with some merchants that aren’t connected to the internet.

#### What happens when I use my Robinhood Cash Card?

When you use your Robinhood Cash Card, we’ll hold money from your account to cover the cost of your purchase. You’ll see a Pending item in the Recent History section of the Spending tab. Your transaction will show up as Pending until the purchase amount is final and the money is actually moved out of your account.

In most cases, the original amount of the transaction won’t change. That being said, the original amount charged could be larger than the final amount. Some merchants markup transactions to cover incidentals or tips (for example, holds for gas, hotels, or restaurant tips). This means that an original charge may be larger than the final amount that you have to pay. If the original markup charge is for more than what's available for you to spend, we’ll decline the transaction.

On the other hand, sometimes the original amount authorized will be for less than the final transaction amount (for example, if you’re leaving tips on paper receipts at restaurants). Your transaction amount will change once the merchant processes the actual amount they’re charging.

#### No Overdrafts

We’ll decline transactions that you don’t have enough cash or margin available to cover. Keep in mind that there are some exceptions when the final amount of a transaction exceeds the amount we originally approved. For example, if you leave a large tip on your Robinhood Cash Card at a restaurant and the final transaction value exceeds the cash in your account, you may experience an account deficit. That said, if the final amount of your transaction is greater than the value of the cash and any margin available in your account, we’ll decline the transaction.

#### How do I change my PIN?

You can change your PIN at any time from the Robinhood app. Just tap the card in the Cash tab and select Change PIN. Your new PIN will be ready to use immediately.

#### Can I set up my card through my mobile wallet?

Yes. Your Robinhood Cash Card supports Apple Pay, Samsung Pay, and Google Pay. You can do this by taking a photo of your card or manually entering your card information from the mobile wallet app of your choice.

#### Where can I learn more about my spending account’s security features?

You can learn more about debit card protection and other spending account security features [here](https://robinhood.com/us/en/support/articles/spending-account-security-features/).

### FAQ

#### My card says it’s issued by Sutton Bank. What’s that all about?

We work with Sutton Bank to issue the Robinhood Cash Card. That's why you may see Sutton Bank when you link your card to third parties, like Venmo or Square.

#### I used my Robinhood Cash Card, but I don’t see a charge yet. What’s happening?

Some merchants wait before charging your debit card. This is very common with merchants like Amazon.

#### Can I overdraft?

Robinhood Money will decline transactions that would cause you to exceed your available cash. However, there are some circumstances when the final amount of a debit card transaction will exceed the amount we originally authorized. For example, in the event that you leave a large tip at a restaurant, the final transaction amount could be more than we approved and it could cause your account to go negative.

#### Can I transfer my Instant Deposits in my brokerage account to my spending account?

No. You cannot use Instant Deposits for debit card purchases, cash withdrawals, or transfers within your spending account. You can use your Instant Deposits to make trades in your brokerage account.

#### What do I do if a charge in my app disappeared?

If a charge doesn’t settle, we’ll expire the hold and give you back the money. When this happens, the charge will disappear from the “Recent” section in your app.

#### Why did the amount I was originally charged change?

Sometimes the amount that you’ve been charged changes between the time you made your purchase and the time the transaction settles. This is common for transactions at hotels, car rentals, gas stations, and restaurants.

#### Why are there several transaction entries from my one purchase?

Sometimes merchants may charge you several times if the pricing of the item updates. This is common for online transactions where pricing often changes such as Uber or Lyft. [Contact support](https://robinhood.com/contact) if you feel like something’s off.

#### What if I don’t recognize a transaction on my statement?

If you don’t recognize the amount, the time, or the merchant description of a transaction, please [contact support](https://robinhood.com/contact) immediately so we can look into the charge.

Keep in mind, sometimes the data on merchants isn’t always what you expect it to be. For example, if a merchant does business under another name, you may see a different merchant name from the one you were expecting.

#### Why are the dates different between my statement and my app?

We’ll show you the date that your card was charged in your app, but your statement will show the date that those charges settled. This means that it’s possible that charges that settle after the statement closing date may not show up until the next month’s statement.

#### What happens if I want to use my card while far away from my phone but Location Protection is on?

You can always turn Location Protection off in the app from the settings page.

#### What if I don’t want the physical debit card?

If your wallet can’t fit another debit card, you have the option to get the virtual debit card only when you first sign up for a Robinhood spending account. You can use the virtual card online and through Apple Pay, Google Pay, or Samsung Pay. If you ever change your mind, we’ll mail you a debit card anytime.

#### Can I change my card design?

Once you’ve confirmed your debit card design and shipping address, you’re unable to change the design from that point forward. Choose wisely! If you opted for the virtual card only, your last chance to change your card design is if/when you request a debit card in the mail.
