Get started with a Robinhood spending account

The Robinhood Wallet app is a self-custody wallet that's your portal to web3 where you can store and manage your crypto on the Ethereum, Bitcoin, Dogecoin, Arbitrum, Polygon, Optimism, and Base networks. Robinhood Wallet gives you full control over your crypto, which means you hold the private keys to your assets.

How to use Robinhood spending account?

After activating your card in the app, you can do all of the following within your spending account:

1. Set up direct deposits.
2. Set up Apple Pay, Google Pay, or Samsung Pay.
3. Make online purchases.
4. Pay bills using your debit card or your ACH account number and routing number.

Sign up: You can sign up for a Robinhood spending account in the app by going to Spending (money icon) → Sign up.

If you're not a Robinhood customer yet, you'll need to open a new Robinhood account by downloading the Robinhood mobile app from the App Store or Google Play Store, or using the web version.

Fund it

The Robinhood account gives you more ways to add money to your spending account:

• Set up direct deposit: You can have your paycheck or government deposits like tax refunds deposited directly into your spending account.
• Use your ACH account number and routing number: The ACH account number is your spending account number with a prefix. The routing number identifies the financial institution. You can find your ACH account number and routing number in your app when you select Transfer.

We work with partner banks to process transactions. The spending account ACH and routing numbers are issued by JPMorgan Chase Bank. This means that transfers to and from your spending account may appear as transfers to and from JPMorgan Chase Bank in your transaction history at other institutions.

Activate your Robinhood Cash Card

To activate your Robinhood Cash Card card:

1. Go to Spending (money icon) → Let's get spending → Activate card → Yes
2. Optionally, turn on Spend Alerts and Location Protection

Link accounts

To link your Robinhood Cash Card with other accounts, you’ll need your debit card number. You can find your card number, expiration date, and CVC by selecting the card in Spending.