Square Card: It’s your money all in one place.

Square Card

Your money as soon as you make a sale

When you sign up for Square Card, you get real-time access to your Square balance. Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees. It’s everything you expect from Square.

A business account completely in your control

Money in, fast money out

Square Card is linked to your point of sale so your business revenue is available right away—no waiting for bank transfers. Sales are stored in your Square balance instead of being automatically transferred to the bank.

No fees, just funds

Forget about being nickeled-and-dimed for business accounts at banks. Square Card doesn’t charge minimum balance fees, overdraft fees, or any other service fees. Just use your card like you would any other business debit card.

Transfer funds in a snap

Transfer funds to your linked bank account instantly anytime for a fee per transfer. Or choose to transfer your money in one to two business days for no additional charge.

Make your debit card your calling card

Promote your small business every time you use your debit card. Personalized signatures and laser etching make you stand out.

The business debit card like no other business card

Track business expenses in one place

Stop sorting through your personal account for business expenses. Square Card is linked to your point of sale, so you know exactly what’s coming in and what’s going out. Plus, business and personal labels make it easy to keep track of every transaction.

Cash without emptying your cash drawer

Get cash anywhere Mastercard® is accepted. Square never charges you for ATM withdrawals, but you are responsible for any fees charged by the ATM provider.

Ready for Apple Pay, Google Pay, and tap-to-pay

Square Card works with Apple Pay and Google Pay, so you can use your phone to pay online, in-app, or in-person. Add your card to your phone using the Square Point of Sale app. You can also simply tap your Square Card to pay—it’s a contactless card.

PD01352 - apple pay google pay badges

Support Square sellers and enjoy an instant discount

When you use your Square Card at any other Square seller, you get 2.75% off your purchase.

“When I buy materials, having my Square Card is invaluable. I know where my money is and that I can spend it instantly. I can view all my sales and spend reports in one place."

Quest, Owner of Quest Skinner

No hidden fees, sign-up fees, or annual fees

With your Square account

  • Fast access to your money
  • No manual transfers required
  • Laser-etched personalized card
  • 2.75% instant discount at businesses that use Square

Square Card by the numbers:

Fees and Account Square Big Banks
Service fee $0 $10–$16/month
Minimum balance required $0 $500–$5,000
Overdraft fees $0 $35/item
Minimum initial transfer $0 $25–$1,500
Monthly account service fee $0 $10–$16/month
ATM fee $0 from Square; ATM provider fees apply Free-$10
Transaction limit None 50–200/month
Daily ATM withdrawal limit $1,000 $300–$700
Daily spend limit $25,000 $1,000–$5,000
Instant discount 2.75% back at Square sellers N/A
Integrated app experience Yes (Point of Sale app) No
Personally branded card Yes No
Dedicated business balance Yes Yes

Sign up for Square

The Square Card is funded solely by your Square account balance. The Square balance is not a bank account and is not FDIC insured. See www.square.com/legal/squarecard for more information about this program.