Help Center > Spending > Spending account > Get started

Get started with a Robinhood spending account

You can sign up for a Robinhood spending account in the app by going to Spending (money icon) → Sign up.

If you're not a Robinhood customer yet, you'll need to open a new Robinhood account by downloading the Robinhood mobile app from the App Store or Google Play Store, or using the web version.

Fund it

The Robinhood spending account gives you more ways to add money to your spending account:

Set up direct deposit: You can have your paycheck or government deposits like tax refunds deposited directly into your spending account.
Use your ACH account number and routing number: The ACH account number is your spending account number with a prefix. The routing number identifies the financial institution. You can find your ACH account number and routing number in your app when you select Transfer.

We work with partner banks to process transactions. The spending account ACH and routing numbers are issued by JPMorgan Chase Bank. This means that transfers to and from your spending account may appear as transfers to and from JPMorgan Chase Bank in your transaction history at other institutions.

Activate your Robinhood Cash Card

To activate your Robinhood Cash Card card:

Go to Spending (money icon) → Let's get spending → Activate card → Yes
Optionally, turn on Spend Alerts and Location Protection

Link accounts

To link your Robinhood Cash Card with other accounts, you’ll need your debit card number. You can find your card number, expiration date, and CVC by selecting the card in Spending.

FAQ

Will this affect my credit score?

No. This process will not affect your credit score.

Can I use my spending account before I get the physical card?

Yes. After activating your card in the app, you can do all of the following within your spending account:

Set up direct deposits
Set up Apple Pay, Google Pay, or Samsung Pay
Make online purchases
Pay bills using your debit card or your ACH account number and routing number

What if I didn’t get a card?

To find out if your card is still on its way or to request a new card:

Go to Spending
In Debit Card, you can get the status of your card delivery.
To order a new card, select Have you received your card, and then select No
Follow the on-screen instructions to finish up

How to close my account?

You can close your spending account as long as:

Your account balance is $0
You don’t have any pending activity (bank transfers, transactions, checks, disputes)
You must be unenrolled from round-ups

Close my account has how-to steps and more details.

Keep in mind

After you close your spending account, your Robinhood Cash Card will no longer work and any new transactions will be declined.

Disclosures

Round-ups are sent from your spending account with, and are a service of, Robinhood Money. The Robinhood Cash Card is not used for stock or crypto-related transactions. Sutton Bank is not involved in the stock or crypto-related transactions. You authorize the transfer of round-ups from your spending account with Robinhood Money to your Affiliate accounts. You must separately place a recurring trade order with Robinhood Financial LLC to invest in securities, or with Robinhood Crypto, LLC to invest in crypto through this program. For round-ups to be available to you, you need to have an individual investing account with Robinhood Financial LLC.

All brokerage products and services are provided by Robinhood Financial LLC. Robinhood Crypto, LLC provides crypto trading pursuant to applicable state money transmission and virtual currency licenses.

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Still have questions? Contact Robinhood Support