Looking to better control your spending? Want to set a budget for your college student? With the ClearSpend Prepaid Visa® Card, you get access to an app that suggests a budget based on your spending habits, with real-time alerts1 to help keep you on track.
Load from a BBVA Compass debit card or set up direct deposit. Cards can be loaded with cash at any Visa ReadyLink location or BBVA Compass branch. Money can also be transferred to your ClearSpend card using PayPal, Venmo, Popmoney or other transfer services.
Use your ClearSpend Prepaid Visa® prepaid debit card for all your day-to-day, on-line, and household spending. After 30 days, the ClearSpend app will automatically suggest a budget.
With ClearSpend, two people can manage one budget while maintaining a snapshot of who spent what.
Since both cards are tied to the same budget, each cardholder has the ability to load funds to ClearSpend that can be used for purchases by either cardholder. Secondary cardholders will have to verify their e-mail addresses and activate their card before using. Each cardholder will receive spending alerts each time a purchase is made by either cardholder.
You can add a secondary card holder during application or any time at clearspend.bbvacompass.com/login. Login into your account and select "Add a Second Card" from the main menu to get started. The second card will be sent to the address you use during the application.
How it works
Link your BBVA Compass debit card in the App or fund your card in person with cash at any BBVA Compass branch or Visa ReadyLink location.
Login to an existing bank account and transfer money to your ClearSpend account using services such as Popmoney®, PayPal® or Venmo®. You'll need your ClearSpend account number and routing number which are available in the App under "My Account". Funds will be available in 2-3 business days.
Please refer to the Schedule of Fees for the BBVA Compass ClearSpend card.
Yes, you can add 1 secondary cardholder or authorized user. Additional cardholders must be at least 13 years of age.
When you apply for a BBVA Compass ClearSpend card, we do not check your credit score, however, your application is subject to approval based on other data on file at consumer reporting agencies.
You can activate at clearspend.bbvacompass.com/login or on the ClearSpend app. You may also activate your card and set your PIN by calling 1-866-236-7967.
You can set your PIN number by calling 1-866-236-7967.
Yes, a BBVA Compass ClearSpend card can receive direct deposits from your employer or from another financial institution. The maximum limit is $6,500. For full funding and transaction limits, see Terms and Conditions.
Yes, funds can be added to a BBVA Compass ClearSpend card with a BBVA Compass debit card or with cash deposited in a BBVA Compass branch or at a Visa ReadyLink location. Visa ReadyLink merchants may charge a fee for this service. The maximum limit is $2,500 deposited via debit card. For full funding and transaction limits, see Terms and Conditions. You may also transfer funds using PayPal, Venmo, Popmoney or other money transfer services.
The maximum balance on a BBVA Compass ClearSpend card is $6,500. For full funding and transaction limits, see Terms and Conditions.
The BBVA Compass ClearSpend card can be used anywhere Visa is accepted.
You can use your BBVA Compass ClearSpend card to get cash at any ATM where Visa is accepted or can do a cash advance at any bank where Visa is accepted. You can also visit any BBVA Compass branch location to obtain cash from your account balance.
You can use your BBVA Compass ClearSpend card to get cash from any BBVA Compass ATM. You are allowed one non-BBVA Compass ATM per month, or as part of a cash-back transaction at a merchant without any fees.
Checks are not available with BBVA Compass ClearSpend card.
Yes, there are limits. Please refer to the Fees and Limits grid schedule.
There is no way to overdraft a BBVA Compass ClearSpend card. However, be aware that some merchants, such as restaurants, may add a gratuity that may be more than your account available balance. Please be certain of your availability prior to completing restaurant transactions.
You can manage your BBVA Compass ClearSpend card online at clearspend.bbvacompass.com/login or through the ClearSpend Mobile App on your Android or iPhone devices.
Yes, you can set up mobile alerts online or in the iOS/Android app.
Yes, the BBVA Compass ClearSpend card is protected from fraud through Visa’s Zero Liability coverage. You will have no liability for unauthorized use of the card. Disputes are handled by Visa. Customers may call 1-877-659-9230 to dispute charges. There may be a delay in obtaining provisional credit based on the situation.
Since a secondary cardholder shares the same funds as the primary cardholder, the primary card holder can add funds to another person’s card by loading cash at a BBVA Compass branch, via Visa ReadyLink, via Direct Deposit, or transfer from a BBVA Compass checking account using a BBVA Compass debit card. Secondary cardholders may also fund the account, as well.
The customer service number for questions about the BBVA Compass ClearSpend card is 1-866-236-7967. There is no charge for customer service. Please note that if you have questions regarding the ClearSpend Mobile App that you will be transferred to the Technical Support Team for help.
1Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.
2Please Note: Monthly Service Charge can be avoided with $400 or more in loads during each calendar month. The Monthly Service Charge will be assessed on the 15th of the following month if load requirement has not been met for the preceding month. Cardholders whose accounts were approved between 11/1/16 and 4/30/17, will not be subject to the $4 Monthly Service Charge unless otherwise notified. Cardholders whose accounts were approved after 4/30/17, will be subject to the Monthly Service Charge.
3Please Note: Cardholders whose accounts were approved between 11/1/16 and 4/30/17, will be subject to a $4 Initial Load Fee. Cardholders whose accounts were approved after 4/30/17, will not be subject to an Initial Load Fee. There is no charge for subsequent loads after the initial load.
*Card Subject to approval, including fraud prevention measures.
All BBVA Compass ClearSpend Card accounts subject to approval. ClearSpend Accounts available to U.S. residents who are at least 18 years old (or 19 in certain states) and for use virtually anywhere Visa Cards are accepted, subject to verification.
BBVA Compass does not charge a fee for reloads at a BBVA Compass branch, through a BBVA Compass debit card or through ACH/Direct deposit. Visa ReadyLink® merchants may charge a fee for this service. Please refer to Schedule of Fees in your Terms and Conditions for full information
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. However, foreign ATM charges may apply from other banks in which BBVA Compass is not responsible for those fees charged. Please refer to the Terms and Conditions for full information.
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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.
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