The Spend Cash Visa® Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 

When you open a bank account online with Spend, you get a Spend Cash Visa® Card,

Account & Routing Number, all managed through a beautifully designed mobile banking app

Access to your funds, your way!

The Spend Cash Visa® Card and Spend Cash Account enables users
to open a full fledge bank account with no credit check!

Spend Cash Visa® Card

Your Spend Cash Visa® Card can be used everywhere** Visa® cards
are accepted and is equipped with EMV chip protection.
Now available in the United States.

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No Fees…ever.

No monthly service fees. No overdraft fees. No minimum balance requirements. No foreign transaction fees. Spend has created a truly fee-less bank account to allow our users grab their freedom back. Priority Services have surcharges. View All Spend Cash Fees Here

Real Time Notifications. 24/7

Get notified of all activity that occurs with our Spend Cash Account
and Spend Cash Visa® Card in real time. Never skip a beat.

Grow your savings as you shop.
0.3% rewards back on all purchases.

That’s right! The Spend Cash Visa® Card gives our users access to 0.3% rewards back on all purchases no strings attached!


Pay your bills and your friends.
All in one place. For Free.

The Spend Cash Account gives our users access to pay all of their
bills such as their car payment, rent, mortgages, cable bill, etc.
right from the Spend Wallet App. Users will also be able to send
funds for free to other Spend Wallet users!

Security & Support You Can Trust


Spend's PCI DSS Level 1 protects your sensitive personal information and prevents unauthorized use by using leading encryption methods and security. Spend also offers in-app Card security features to lock your card and block international charges.

Visa Zero Liability

Shop worry-free at millions of merchants. Spend Cash Cards are protected by the Visa Zero Liability*** Policy to ensure that cardholders will not be responsible for unauthorized charges.


Have a question? Check our Help Center that has a knowledge-base of frequently asked questions, send us an email, or message our support team in the Spend Wallet Live Chat directly from your mobile phone.

* Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.  Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.
** Some MCC Restrictions apply. Please reference your Card Holder Agreement for more details.
*** You must notify your financial institution for unauthorized pinless transactions. 

Open a Spend Cash Account within 2 minutes on the Spend App

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