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Get Started With Square Debit Card

Square Debit Card is a business debit card connected to your Square Checking account. Take a payment, and the money you earn is reflected in your Square Checking balance. You can spend that money with your Square Debit Card anywhere internationally Mastercard® debit cards are accepted (including in person, online, and at ATMs).

Get a Square Debit Card

You will automatically receive a Square Debit Card as part of opening a Square Checking account. You can open a Square Checking account directly from your Square app or from your online Square Dashboard.

From the Square app

  1. From your Square app, go to More > Balance > Checking > Get started. 

  2. Verify that your name and business name matches the account owner’s name on the Square account. For security reasons, Square Checking will only be issued to the account owner. Tap Continue to debit card.

  3. Personalize your Square Debit Card. Tap Next.

  4. Confirm your debit card design. Tap Next.

  5. Enter a shipping address to receive your physical Square Debit Card.

  6. Set a PIN for your account > tap Complete sign-up.

From Your Online Square Dashboard

  1. Go to the Balance section of your online Square Dashboard.

  2. Select one of your locations under Locations. 

  3. Select the gear icon > select Square Checking.

  4. Select Get started.

  5. Verify that your name and business name match the account owner’s name on the Square account. For security reasons, Square Checking will only be issued to the account owners.

  6. Personalize your Square Debit Card.

  7. Enter a shipping address to receive your physical Square Debit Card.

  8. Set a PIN for your account.

After opening your Square Checking account, your Square Debit Card is immediately available to use digitally via Apple/Google Pay or by viewing the card number in the Square app or online Square Dashboard. Your physical Square Debit Card will arrive in 7-10 days.

Activate your Physical Square Debit Card

Once your physical Square Debit Card arrives, you can activate it directly from your Square app or online Square Dashboard.

To activate your physical Square Debit Card from your online Square Dashboard:

  1. Go to the Balance section of your online Square Dashboard.

  2. Select one of your locations under Locations.

  3. Select the gear icon > select Square Checking.

  4. Click on Activate physical card.

  5. Enter the confirmation code sent to the email address associated with your Square account.

  6. Once your account has been verified, enter your Square Debit Card CVV and expiration date.

To activate your Square Debit Card from your Square app:

  1. From the navigation bar at the bottom of your screen, tap More > Balance > Square Card.

  2. Tap Activate physical card and enter the confirmation code sent to the email address associated with your Square account.

  3. Once your account has been verified, connect your reader and swipe your Square Debit Card or enter your card details manually.

Spending Limits

The maximum you can spend using a Square Debit Card is $10,000 per transaction, $25,000 per day, $50,000 per week, and $150,000 per month.

Note: Daily limits reset at 5:01 p.m. PST (12:01am UTC), weekly limits reset on Sunday at 5:01 p.m. PST (12:01am UTC), and monthly limits reset at 5:01 p.m. (12:01am UTC) on the last day of each month.

If you’re using your Square Debit Card to withdraw cash, the maximum amount you can withdraw at an ATM is $500 per transaction, $1,000 per day, $2,000 per month.

When withdrawing funds from an ATM, the ATM will probably state your balance is $0.00. This is incorrect. You can check your available funds from the balance section of your Square app.

Note: Square does not charge you any ATM fees, but ATM providers may charge you a fee when you make withdrawals.

The maximum you can transfer via ACH with your account and routing number is $50,000 per day, calculated by a rolling 24-hour period. New Square account holders may start with a lower limit at first. As you continue processing payments with Square, your daily limit will increase.

2.75% Instant Discount

Support the Square community by using your Square Debit Card at other small businesses powered by Square, and we give you a 2.75% instant discount. All Square Debit Card sellers are automatically enrolled to benefit from instant discounts at other Square sellers.

Check out our FAQ article for answers to frequent Square Debit Card questions.

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