Using Your Simple Card

Using Your Simple Card

Your Simple Visa® Debit card

Your Simple card should be accepted anywhere Visa is, and you can run it as either credit or debit.

How do I use my card?

Debit or credit?

When given the option of debit or credit, you may choose either. Our cards can be run on both networks. The only difference is that 'debit' requires a PIN and it finalizes very quickly, and 'credit' doesn't require a PIN and may remain pending for several days.

What about chip readers?

If the merchant has a chip-enabled card reader, just insert the chip end of your card, leave it there while you complete the purchase (following the prompts on the screen) and remove it when the transaction is complete. You can choose either credit or debit. Chip card payments take a couple of seconds longer than a card swipe.

If the merchant doesn’t have a chip-enabled card reader yet, you can just swipe as you normally would.

Where can get cash?

You can use an ATM to get cash. Simple does not charge ATM fees, but if you use an out-of-network ATM, the ATM owner likely will. You can also generally get cash back with a PIN transaction.

Can I use my card internationally?

Yup! You can use your Simple card overseas for the most part. There are a few countries where your Simple card won’t work, so be sure to check our list of banned countries before traveling.

There are also a few automated terminals overseas that offer offline PIN transactions—a transaction where the terminal isn’t connected to the internet. Our cards won’t support these transactions, so it’s still a good idea to carry some cash when you’re traveling.

How can I get a new card?

We'll send you a replacement for an expired card automatically, but we can always help you out if you need a new card for some other reason.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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