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Get Started with Square Debit Card

Square Debit Card

Make a sale and spend instantly with a better business debit card.

Square Debit Card is a business debit card connected to your Square Checking account. Take a payment and you'll see the money you earn 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'll 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.

Open Square Checking from the Square app

To open a Square Checking account directly from your Square app:

  1. 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.

Open Square Checking from the Square Dashboard

To open a Square Checking account directly from your online Square Dashboard:

  1. Go to the Balance tab 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 Square Checking

After opening your Square Checking account, your Square Debit Card is immediately available to use digitally via Apple Pay or 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 Point of Sale app or online Square Dashboard.

Activate from the Square app

To activate your Square Debit Card from your Square app:

  1. Go to 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, either connect your reader and swipe your Square Debit Card, or enter your card details manually.

Activate from the 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.

Activate with a QR code

Your new Square Debit Card will come mailed in an envelope that contains a unique QR code. To activate your card with the QR code:

  1. Open the envelope containing your Square Debit Card and scan the QR code with the camera on your mobile device.

  2. Select the link that appears and follow the steps to provide your card details.

  3. You’ll receive a unique activation code on your device. Enter the activation code in the notification that appears on your screen.

Once you complete these steps, your physical Square Debit Card will be instantly activated. From there, you can also add your Square Card to your digital wallet.

Withdrawal & 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

  • $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 - $3,000 per transaction

  • $1,000 - $3,000 per day

  • $1,000 - $7,000 per week

  • $2,000 - $10,000 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.

Account Security

You can opt in to receiving SMS notifications when certain transactions occur on your account. When potentially high-risk transactions occur, such as international purchases, online purchases, Card not Present (CNP) transactions, or declined transactions, an SMS notification will be sent to the phone number on file for your account to notify you of suspicious activity and provide you with the option to temporarily lock your card and review the payment in question on your account.

You can unlock your card or update your notification preferences at any time from the Balance section of your online Square Dashboard or the Square app. Unlocking your card via SMS isn’t currently available.

FAQ

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

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