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< Robinhood Banking
Help Center > Robinhood Banking

Debit card

The Robinhood Debit Card makes it easy to spend, withdraw cash, and manage everyday purchases directly from your Robinhood checking account. Your Robinhood Debit Card is a Mastercard® World Debit card so you have access to Mastercard’s suite of World Debit Benefits, offering protection, travel perks, and exclusive savings.

Key features

Key features

  • Linked to your checking account: Money comes directly from your balance
  • No monthly fees: Use your card with no hidden charges
  • Mastercard debit card: Accepted worldwide wherever Mastercard is supported
  • Digital card: Available instantly in the Banking app for online and mobile wallet use
  • Physical card: Get a card mailed to you by request

Get your card

Get your card

  1. Open the Banking app and go to the Banking tab
  2. Select Debit card → Order physical card
  3. Confirm your mailing address and shipping method (USPS free, FedEx $15)
  4. Confirm your order for your physical card
  5. Set up your PIN

Generally, cards take up to 3 days to be manufactured and up to 5 days for delivery (or 1-2 for FedEx). You will have access to your digital card while waiting for your physical one.

Use your card

Use your card

Everyday spending

  • Use your card anywhere Mastercard is accepted
  • Add it to your mobile wallet and use Apple Pay or Google Pay for tap-to-pay convenience

ATM withdrawals

  • No fees at in-network ATMs when you have direct deposit enabled and deposit at least $1,000 each month
    • To check locations in the app, go to Checking account → ATM finder
  • Out-of-network ATMs may charge third-party fees

Manage your card

Manage your card

Lock/unlock your card instantly in the app:

  1. Go to the Banking tab
  2. Select your debit card
  3. Select Lock to freeze your card and stop all new transactions
  4. Your card will show Card locked

To use it again, select Unlock and the lock indicator will disappear.

Replace your card if it’s lost or stolen:

  1. Go to the Banking tab
  2. Select your debit card → Manage debit card.
  3. Select Report card lost or stolen
  4. Confirm your request

View your card number securely in the app:

  1. Go to the Banking tab
  2. Select your debit card
  3. Use Face ID, Touch ID, or your PIN to unlock
  4. Select Card number to view your full card details securely

You can also track transactions in real time with push notifications.

Security

Security

  • FDIC insurance up to applicable limits through Robinhood’s partner banks
  • Zero-liability protection from Mastercard protects you against unauthorized transactions in stores, online, and in apps
  • Mastercard ID Theft Protection helps monitor your credit file for fraudulent activity and alerts you to suspicious transactions.
    • Enroll here: mastercardus.idprotectiononline.com
    • Includes: Credit monitoring, resolution services, and lost wallet assistance.
    • Support: 24/7, 365 days a year.
    • Need help? Call 1-800-Mastercard (1-800-627-8372).

For more details, check out Mastercard’s Safety and Security benefits.

FAQ

FAQ

What happens if I lose my card?

You can lock your card instantly in the Banking app.

Next, you can order a replacement directly from the app—your digital card number will update and become available to use while you wait for your new physical card.

Make sure you review your transaction history to ensure there are no unauthorized transactions on your account. If there are any charges you don’t recognize you can submit a dispute.

How do I set up or reset my PIN?

To set or reset your pin in the app:

  1. Go to the Banking tab, and select your Debit card
  2. Select Manage card → Change PIN
  3. Follow the on-screen prompts to set a new PIN
What travel perks come with my card?

Mastercard offers a variety of travel-related benefits:

  • Mastercard travel: Exclusive savings on flights, hotels, and vacation packages.
  • Luxury hotel & resorts portfolio: Upgrades, breakfast, and perks at 4-star+ hotels.
  • Lowest hotel rate guarantee: Matches lower public hotel rates.
  • Airport concierge: 15% off meet-and-greet airport services at 700+ locations worldwide.

Visit the World Debit Mastercard site for details.

How do I add my card to Apple Pay, or Google Pay?
  1. Go to the Banking tab, and select your Debit card
  2. Select Add to mobile wallet
Why was my transaction declined?

Common reasons include insufficient funds, exceeding your daily spending limit, or attempted use at a restricted merchant. If this happens, you’ll get a notification in the app with more details.

How do I file a claim?

To file a claim with Mastercard for world debit benefits, call Mastercard Assistance Center:

  • English: 1-800-627-8372
  • Español: 1-800-633-4466

Or file online at www.mycardbenefits.com. Make sure you have your card number ready to verify coverage.

Separately, to submit a dispute, find the transaction in your history and select Report an issue on the transaction details to start the dispute process. You can also submit a dispute by telephoning us at (650) 529-6522 or writing us at 85 Willow, Menlo Park, CA 94025. You must (1) tell us your name and account number (if any), (2) describe the error or the transfer you are unsure about, or why you need more information, and (3) provide the dollar amount of the suspected error.

Disclosures

Disclosures

Robinhood is a financial technology company, not a bank. The Robinhood Debit Card is issued by Coastal Community Bank, Member FDIC.

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All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC), and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). While there is no additional cost to use Robinhood Legend, there are other fees associated with your brokerage account. Review the fee schedule for details.

Portfolio Management offered through Robinhood Asset Management, LLC (“Robinhood Strategies” or “RAM”), an SEC-registered investment advisor. For additional information about Robinhood Strategies, including about services, fees, risks, and conflicts of interest, review our firm’s brochure.

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (“RCT”), is a financial technology company, not a bank.

Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHS, RAM, RHD, RHC, RHY, RCT, and RHG are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHS, RAM, RHD, RHC, RHY, RCT, and RHG are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Funds held in your Robinhood Cash Card account at Sutton Bank are eligible for FDIC insurance up to $250,000 and will not accrue or pay any interest. The availability of FDIC insurance is contingent upon Robinhood maintaining records acceptable to the FDIC, as receiver, if Sutton Bank should fail. FDIC insurance limits apply collectively to all of your deposits held at Sutton Bank.

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

4784959

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 Robinhood. All rights reserved.
Follow us on

All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC), and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). While there is no additional cost to use Robinhood Legend, there are other fees associated with your brokerage account. Review the fee schedule for details.

Portfolio Management offered through Robinhood Asset Management, LLC (“Robinhood Strategies” or “RAM”), an SEC-registered investment advisor. For additional information about Robinhood Strategies, including about services, fees, risks, and conflicts of interest, review our firm’s brochure.

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (“RCT”), is a financial technology company, not a bank.

Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHS, RAM, RHD, RHC, RHY, RCT, and RHG are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHS, RAM, RHD, RHC, RHY, RCT, and RHG are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Funds held in your Robinhood Cash Card account at Sutton Bank are eligible for FDIC insurance up to $250,000 and will not accrue or pay any interest. The availability of FDIC insurance is contingent upon Robinhood maintaining records acceptable to the FDIC, as receiver, if Sutton Bank should fail. FDIC insurance limits apply collectively to all of your deposits held at Sutton Bank.

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

4784959

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 Robinhood. All rights reserved.