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SafeSpend: Visa® Prepaid Card

A smart, simple, safe solution to manage your money.

Forget the worry of bounced checks and overdraft fees – the SafeSpend Card helps you manage your money responsibly and affordably.

  • Benefits
  • How it works
  • Funding
  • Direct Deposit
  • Limits/Fees

The BBVA Compass SafeSpend Card is a reloadable Prepaid Visa Debit card. Gain control of your money by converting cash to your card today, and take advantage of the convenience and safety of Prepaid Visa Debit.

  • No Overdraft Fees
  • Get funds more quickly with Direct Deposit
  • Great for College Students
  • Avoid Check Cashing Lines/Fees
 
The BBVA Compass SafeSpend Card also includes:
  • FREE Online Banking
  • FREE email or text* balance alerts
  • Zero Liability** if card is lost or stolen
  • FDIC Insured

*BBVA Compass does not charge for text message alerts, however message and data rates may apply. Please check with your wireless carrier about such fees.

**Visa® Zero Liability covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or visit visa.com/security. See your Visa Cardholder Agreement for further details.

  1. Sign up for your Card online with our instant approval process
    • No Credit Check
    • No Issuance Fees
  2. Activate your SafeSpend Card and add funds – there’s just a $4 fee for the initial loading of funds.
  3. Use your card anywhere Visa is accepted
    • Transact worry free with no risk of overdraft fees

Add Funds To Your Card

Multiple ways to reload (add funds) to your SafeSpend Card.

  • Direct Deposit: Gain access to your funds quicker by direct depositing all or part of your paycheck to your card. Direct Deposit payroll funds will be available on your Card as of the check’s payment received date – and pay no reload fee.
  • Swipe your card at the register of any participating Visa ReadyLink retail merchant location. Find a ReadyLink location near you.
  • Online Card-to-Card Transfer (from BBVA Compass debit cards only): Add money online from your BBVA Compass debit card with no reload fee. A great tool to provide funds for your teen or college age student.

Manage Your Money Online

Know what’s going on with your account is just a click away.

  • Stay on plan: Easily view purchases and detailed account summary online to remain aware of what you've spent and what you have left to spend. Alert yourself to low balances with email and text alerts* so you know when it's time to put money back on your card.
  • Manage your funds: order a second card to share with a student or spouse. Fund your student's Card and help them stay on track and avoid trouble by tracking their spending online.

*BBVA Compass does not charge for text message alerts, however message and data rates may apply. Please check with your wireless carrier about such fees.

Sign up for Direct Deposit and your pay check, social security, or other income can be deposited directly to your SafeSpend Card.

Features and Benefits

  • Convenient – Easier than cashing your check at a bank or check cashing location.
  • Fast – Immediate access to your money from the time of the deposit.
  • Safe – Checks can be lost, delayed or stolen. Direct Deposit helps protect you from these risks.
  • Automatic Payment – Your money is automatically deposited onto your SafeSpend Card.
 

How to Sign Up

To set up this service simply download and complete our Payroll Direct Deposit Form, or use the prefilled form provided with your SafeSpend Card shipment and take it to your employer’s payroll or Human Resources Department. They can take care of the rest.

Note:  If you receive Social Security or other government payroll payments, you may call the number listed at the bottom of the Payroll Direct Deposit form to set up direct deposit

Limits

SafeSpend Card Load (Funding) Limits
Ordered SafeSpend Card without BBVA Compass Debit Card Ordered SafeSpend Card with BBVA Compass Debit Card
Maximum balance of funds on card $3,000 $6,500
Maximum amount of all loads $1,600 during any 15-day period $3,500 during any 15-day period
Maximum number of loads 3 during any 7-day period 3 during any 7-day period
Maximum for Visa ReadyLink Loads $500/load
$500 during any 7-day period
3 loads during any 7-day period
$600/load
$1,500 during any 7-day period
3 loads during any 7-day period
Maximum amount of any direct deposit $1,600 $3,500
Maximum amount of any transfer from your BBVAC debit card n/a $2,500
Minimum load amount $20 $20


SafeSpend Card Transaction Limits
Ordered SafeSpend Card without BBVA Compass Debit Card Ordered SafeSpend Card with BBVA Compass Debit Card
Daily limit for transactions to obtain cash from a Visa ATM $400/transaction $600/transaction
$400/day $600/day
Daily limit for all other kinds of transactions, including purchases at Visa Merchants $1,500/transaction $1,500/transaction
$1,500/day $1,500/day
Daily limit for all transactions $1,500/day $1,500/day

Schedule of Fees

*Message and data rates may apply. Please check with your wireless carrier about such fees.

** BBVA Compass will not charge a fee for the first withdrawal from an ATM each month regardless of whether that withdrawal occurs at a domestic or foreign ATM.

SafeSpend Terms & Conditions

Links to third party sites are provided for your convenience. These sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are completely and solely responsible for the content and availability of their sites.

Get Started

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Visa® Acceptance

Use everywhere Visa is accepted online, over-the-phone, and at many ATM’s.