Frequently Asked Questions

The Spentra Card features the Money Earned^® benefit, which lets employees access up to 50% of their net wages at time of request, before the next payroll date. Money Earned^® funds available at time of request can be pushed to the card through the free Spentra mobile app.

The Spentra Card provides a suite of transactions at no charge to the user.

• No fee to employers or employees for card
• Over 38,000 surcharge-free MoneyPass ATMs
• No monthly maintenance fees
• No minimum balance requirements or fees
• No ACH deposit fees
• No POS PIN based transaction fees
• No POS Signature based transaction fees

See complete Fee Schedule

For Direct Deposit, complete the direct deposit form that came with your Spentra Card or fill out the form provided by your employer. To find your account and routing number, sign into the Spentra app and select Manage Your Card, then choose Direct Deposit.
For Government Rebate or ACH deposit from a bank account, sign into the Spentra app and select Manage Your Card. Here you can find your routing and account number.

You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Spentra Card. All other direct deposits in the name of anyone else may be declined and returned.

The maximum amount in your Spentra Card account may not exceed $10,000.

If you suspect that someone has accessed your Spentra Card account information or used the card without your permission, sign into the Spentra app and select Manage Your Card, then choose Block Card. This will stop any further purchase activity on your card. After blocking access, please call 833-459-3443 and a representative will work to resolve the issue.

The following features can be accessed through the Spentra app:

• View your current balance
• View your card activity
• Block/Unblock your card
• Reset PIN
• Enroll and manage text alerts^*
• ATM Finder for surcharge-free withdrawals at Money Pass^® ATMs
• Money Earned^®, our patented benefit, allows employees to access up to 50% of their net wages at time of request
• Friendly support directly from the Spentra app

^*Standard message and data rates from your wireless service provider may apply.

No. We do not conduct a credit check or store your Social Security number.

Money Earned^® is a patented benefit that lets employees of employers, who sign up for the Spentra Card program, access up to 50% of their net wages at time of request, before their next paycheck date.

To push any portion of your Money Earned^® balance directly to your Spentra Card, simply download the free Spentra app, log in, and select Push Earnings To Card option from the Money Earned Details. Enter the amount you want to push to your card and press Submit. You can use the card everywhere Visa^® debit is accepted. It’s that simple.

No, it is not a loan. Spentra interfaces with an employer's payroll system to calculate net wages at time of request. The Money Earned^® feature simply gives employees access to their known earned wages.

Each employer is different; however, new employees generally can access Money Earned^® after the first pay cycle closes. Remember to download the Spentra app from the Google Play Store or App Store and request your card through the app.

Both your Spentra Card and Spentra app will continue to work after you leave your job. However, because Money Earned^® was tied to your previous employer, you will no longer be able to use that feature, unless your new employer offers the Spentra Solution with Money Earned^®. To have your wages from your new employer loaded to your Spentra Card, simply complete the direct deposit form that your new employer provides. To find your account and routing number, sign into the Spentra app and select Manage Your Card, then choose Direct Deposit.