Debit card

Details about the Betterment Visa® debit card for Betterment Checking

ATMs

Is Checking part of an ATM network?

Because Checking reimburses you for all ATM fees worldwide, it does not need to be a part of a formal ATM network. You are eligible to use any ATM where Visa debit cards are accepted, and any operator charges will be reimbursed worldwide, including the Visa® 1% foreign transaction fee. 

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How does ATM fee reimbursement work?

We’ll automatically reimburse ATM fees, which are known as operator surcharges, for any ATM worldwide. You can expect a credit to your Checking account by the following calendar day. Do you reimburse foreign ATM fees on Checking? If you’re traveling, make sure to notify us beforehand. We will automatically reimburse any operator surcharge fee from any ATM worldwide, including the Visa 1% transaction fee on foreign transactions, purchases, and ATM transactions.

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Getting started

What will my debit card look like?

The card is made out of plastic and has a vertical design. It allows for contactless payments at vendors who support contactless card systems. The card allows for contactless payments at vendors who support contactless card systems.

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How do I activate my debit card?

Just head to betterment.com/activate to quickly activate your card once it arrives. When your card arrives, activation instructions will also be included.

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How long will my debit card take to arrive?

You will receive a Betterment Visa Debit Card in the mail within 6 to 8 business days of account opening. There will not be a tracking number for you to track the shipment while it’s on the way. If you do not receive your card after 8 business days, contact us.

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Can I use my debit card for foreign transactions?

Yes, but please note your card will only work at ATMs where Visa debit cards are accepted. While you must also reside in the U.S. full-time to use Betterment’s services, you can use your debit card overseas for purchases and at ATMs while you travel. If your Betterment Visa debit card transaction is successful, we can reimburse your ATM fees worldwide, including the Visa 1% transaction fee on foreign transactions, purchases, and ATM transactions. Please contact us at least a week before ...

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Joint Accounts

How many Visa debit cards will we receive?

Each Betterment Checking user will receive one Betterment Visa®️ Debit Card. If you have multiple Checking accounts, this card can be easily switched to transact between the accounts. Please note that switching your spending account requires approximately a one-hour processing time. To switch spending accounts, simply log in and navigate to your Checking account. Here, you will see the option to “switch spending accounts'' within the “Manage Account” category. If you’re ever unsure about which ...

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Managing my account

Do I need to set up travel alerts for when I travel?

Yes. Please contact us at least a week before traveling abroad so that we can ensure your Betterment visa debit card is ready to be used in the countries you will be visiting. Card usage in certain countries may be blocked. As always, please note that if unusual activity is detected on your card, you may be requested to confirm the flagged transactions. Keep in mind that you can always place a temporary lock on your debit card if you need to. If you suspect fraud on your account, lock your card ...

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How can I lock my card?

You can temporarily lock your card to prevent it from being used. This can be done at any time in your account either on a web browser or on the mobile app. On a web browser: Log in and select Checking. Look towards the right and you’ll see the option to easily lock or unlock your debit card. On the mobile app: Log in and select Checking. Click on Manage Account and you’ll see the option to easily lock or unlock your debit card. If you can’t access a web browser or your mobile app and you need ...

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I forgot my PIN, can I reset it?

Yes, you can reset your pin directly from your account. On a web browser: Log in and select Checking. Look towards the right and you’ll see the option to change your PIN. On the mobile app: Log in and select Checking. Click on Manage Account and you’ll see the option to change your PIN.

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How can I replace a lost or stolen card?

If your card is lost or stolen, the first thing you should do is lock your card so that no one else is able to use it. This can be done at any time in your account either on a web browser or on the mobile app. You should also review your recent transactions to ensure your card has not been used without your authorization. Next, contact us and we can issue you a replacement card.

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Mobile Wallet

What if I lose my phone?

If you’ve misplaced your device or think it may have been stolen, it’s best to temporarily lock your Betterment Visa® Debit Card. Locking your  Betterment Visa® Debit Card will prevent it from being used for transactional purposes. To lock your card, you’ll need to first log into your Betterment account using a web browser or the Betterment mobile app. Locking your card from a web browser: Log in to your Betterment account and select Checking from the menu on the left side of the page. Then, ...

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Can I use my Betterment Visa® Debit card with Samsung Pay?

You sure can! Here’s how to set it up: Open Samsung Pay on your mobile device. Tap Menu in the top left corner > Cards > Add card > Add credit/debit card. Follow the on-screen instructions to register your card. While adding your card to Samsung Pay, you may need to verify your funding account information with a 2FA message sent to you via email, text, or phone call. Having trouble? Check out Samsung's step-by-step guide for more information.

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Can I use my Betterment Visa® Debit card with Google Pay™?

Absolutely! Here’s how to set it up: On your mobile device, open Google Pay. Tap on the card icon > Add a Payment Method > Credit or Debit Card. Here, you will provide your card information. When adding your card to Google Pay, you may need to verify your bank account information with a 2FA message sent to you via email, text, or phone call.  Getting lost in the flow? Check out Google’s step-by-step guide for detailed linking instructions.

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Can I use my Betterment Visa® Debit card with Apple Pay®?

You sure can! Here’s how to set it up: To add your Betterment Visa® Debit Card to your iPhone, go to the Wallet app and tap “+.” You’ll then be prompted to enter your card information. While adding your card to Apple Pay, you may need to verify your bank account information with a 2FA message sent to you via email, text, or phone call. Got other Apple gear? Check out Apple’s set up guide for device-specific instructions.

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What is a mobile wallet?

Mobile wallets such as Apple Pay®, Google Pay™, and Samsung Pay allow you to add a digital copy of your Betterment Visa® Debit Card to your mobile device. Once card information has been saved to your digital wallet,  you can tap your device to make contactless, in-store payments with supporting merchants and complete online or in-app transactions without reaching for your wallet. The perks don’t stop there! Betterment charges no fees to connect your Betterment Visa® Debit Card with the mobile ...

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