You need a Robinhood brokerage account to get their debit card, and the card is only available to certain account holders

The Robinhood debit card is not a separate product you can order on its own. It comes with a Robinhood Cash Management account, which is Robinhood's checking and savings product. To get the card, you must first open a Robinhood brokerage account, then link or convert it to include Cash Management features.

Not every Robinhood account holder has access to the debit card yet. Robinhood has rolled out Cash Management gradually, and availability depends on your state and account status. If you already have a Robinhood brokerage account, you can check whether Cash Management is available to you by opening the app or website and looking in your account settings.

The debit card itself arrives by mail after you set up Cash Management. There is no fee to order it, and it works like a standard debit card linked to your cash balance in the account.

Key Takeaways

  • The Robinhood debit card only comes with a Cash Management account, not a standard brokerage account.
  • You must open a Robinhood brokerage account first, then enable Cash Management if it is available in your state.
  • Cash Management availability varies by state and rolls out gradually, so check your account settings to see if it is open to you.
  • The card arrives by mail at no cost once your Cash Management account is active.
  • You can use the debit card to spend money from your cash balance, and some Robinhood accounts earn interest on uninvested cash.

Opening a Robinhood account as the first step

Before you can get a debit card, you need a Robinhood brokerage account. Download the Robinhood app or go to robinhood.com and select the option to open an account. You will provide your name, date of birth, email address, and phone number. Robinhood will ask for your Social Security number and run a background check.

You will also need to link a bank account to fund your Robinhood account initially. This is a separate step from the debit card itself — you are connecting an outside bank so you can transfer money into Robinhood. Once your account is open and verified, you can look for Cash Management in your account menu.

Checking whether Cash Management is available to you

Cash Management is not available in every state. Robinhood has expanded it over time, but some states still do not have access. Open your Robinhood app or website, go to your account settings, and look for a Cash Management or checking account option. If you see it, you can turn it on. If you do not see it, Cash Management is not yet available in your state.

Robinhood's support page lists which states currently have Cash Management. If your state is not listed, you can check back periodically, as Robinhood continues to expand the service. There is no waitlist or way to request early access — availability is determined by your state of residence.

Enabling Cash Management and ordering your debit card

Once you confirm Cash Management is available, open the app or website and navigate to your account settings. Select the option to enable Cash Management or open a Cash Management account. Robinhood will ask you to review the terms and confirm your information. This process takes a few minutes.

After you enable Cash Management, the debit card option should appear in your account. Select it to order your physical card. Robinhood will show you the card details (card number, expiration date, CVV) immediately so you can use them for online purchases right away. The physical card will arrive by mail within 7 to 10 business days, though this timing can vary.

What you can do with the Robinhood debit card

The debit card draws from your cash balance in your Robinhood Cash Management account. You can use it anywhere Visa debit cards are accepted — in stores, online, and at ATMs. When you make a purchase, the money comes out of your Robinhood cash balance, not from a separate bank account.

Some Robinhood Cash Management accounts earn interest on uninvested cash, though the rate changes based on market conditions. You can also set up direct deposit to your Robinhood account, which means your paycheck can go straight to your Cash Management account instead of a traditional bank.

Fees and limits on the Robinhood debit card

Robinhood does not charge a fee for the debit card itself or for most debit card transactions. However, if you use an out-of-network ATM, you may be charged a fee by the ATM operator. Robinhood reimburses some out-of-network ATM fees, but the amount and conditions vary.

There are no monthly account fees for Cash Management. Robinhood makes money from other services, not from charging you to hold cash. Check your account settings or Robinhood's website for current details on ATM reimbursement and any other limits that may apply to your account.

Frequently Asked Questions

Can I get a Robinhood debit card without opening a brokerage account?

No. The debit card is only available through a Robinhood Cash Management account, which requires you to have a Robinhood brokerage account first. You cannot order the card as a standalone product.

What if Cash Management is not available in my state?

You cannot get the debit card until Cash Management launches in your state. Robinhood has expanded gradually, and there is no way to request early access. Check back on Robinhood's website or in the app periodically to see if your state has been added.

How long does it take to receive the physical debit card?

The physical card typically arrives within 7 to 10 business days after you order it. You can use the card number for online purchases immediately, even before the physical card arrives.

Can I use the debit card to withdraw cash from ATMs?

Yes, you can use the debit card at any ATM that accepts Visa. Some out-of-network ATM fees may apply, though Robinhood reimburses certain fees depending on your account type. Check your account details for the current reimbursement policy.

Is there a monthly fee for the Cash Management account?

No. Robinhood does not charge monthly fees for Cash Management accounts. The debit card itself is also free to order and use for standard transactions.