BBVA Compass ClearSpend Visa® Card

clearspend card

Overview

Introducing the easiest way to manage your money

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 alertsto help keep you on track.  

  • $4 Monthly Service Charge (effective May 1, 2017)*
  • $0 Reload Fees ($4 Initial Load fee applies if you were approved from 11/1/16 through 4/30/17)2
  • $0 Purchase Transaction Fees
  • No Overdraft Fees
  • No Credit Check to Apply

*Avoid the $4 Monthly Service Charge when you load at least $400 to your ClearSpend Prepaid Card each calendar month. 

Getting Started

1

Get the App and the Card

Order a card directly from the app, available for iOS or Android Devices. 

 
2

Load Funds

Load from a BBVA Compass debit card or set up direct deposit. Cards can also be loaded with cash at any Visa ReadyLink® retailer or BBVA Compass branch.

 
3

Start Spending

Use your ClearSpend Prepaid Visa® prepaid debit card for all your day-to-day spending. After 30 days, the ClearSpend app will automatically suggest a budget.

 

Solutions

Mobile Phone Trends

Budgeting for two

With ClearSpend, two people can manage one budget while maintaining a snapshot of who spent what.

Secondary cards are great for:

  • Sharing a household budget with a spouse or roommate
  • Setting up your child with a secondary card and teaching them to budget (limit one secondary card per account)

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.

How do I request an additional card?

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

Load money, conveniently

Load money to ClearSpend

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.

Transfer money to ClearSpend

Login to an existing bank account or using services such as Popmoney®, PayPal® or Venmo® and transfer money to your ClearSpend account. 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. 

FAQS

Frequently Asked Questions

What are the fees associated with the BBVA Compass ClearSpend card?

Please refer to the Schedule of Fees for the BBVA Compass ClearSpend card.

Can I order other BBVA Compass ClearSpend cards to be used by someone other than the primary cardholder?

Yes, you can add 1 secondary cardholder or authorized user. Additional cardholders must be at least 13 years of age.

Does the BBVA Compass ClearSpend card require a credit check?

A credit inquiry is not required when you order the BBVA Compass ClearSpend card.

How can I activate my BBVA Compass ClearSpend card?

You can activate at clearspend.bbvacompass.com/login or on the ClearSpend app.

How do I setup my PIN number?

You can set your PIN number by calling 866-236-7967.

Can I receive direct deposits in my BBVA Compass ClearSpend account?

Yes, a BBVA Compass ClearSpend card can receive direct deposits. The maximum limit is $6,500. For full funding and transaction limits, see Terms and Conditions.

How do I add funds to my BBVA Compass ClearSpend Card?

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.

What is the maximum balance on a BBVA Compass ClearSpend card?

The maximum balance on a BBVA Compass ClearSpend card is $6,500. For full funding and transaction limits, see Terms and Conditions.

Where can I use a BBVA Compass ClearSpend card?

The BBVA Compass ClearSpend card can be used anywhere Visa is accepted.

How can I get cash using a BBVA Compass ClearSpend card?

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.

Where can I get cash without any fees?

You can use your BBVA Compass ClearSpend card to get cash from any BBVA Compass ATM plus one non-BBVA Compass ATM per month, or as part of a cash-back transaction without any fees.

Are checks issued with a BBVA Compass ClearSpend card to access funds?

Checks are not available with BBVA Compass ClearSpend card.

Are there any limits on funding, purchases, or withdrawals?

Yes, there are limits. Please refer to the Fees and Limits grid schedule.

Can I overdraft a BBVA Compass ClearSpend card?

There is no way to overdraft a BBVA Compass ClearSpend card.

Where can I manage my BBVA Compass ClearSpend card?

You can manage your BBVA Compass ClearSpend card online at clearspend.bbvacompass.com/login or through the ClearSpend App.

Can I receive transaction alerts?

Yes, you can set up mobile alerts online or in the iOS/Android app.

Is a BBVA Compass ClearSpend card protected against fraud?

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.

How can I fund a secondary cardholder/authorized user?

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 debit card.

Where can I call for customer service and will I be charged?

The customer service number for questions about the BBVA Compass ClearSpend card is 1-866-236-7967. There is no charge for customer service.

Details you need to make a smart decision

1Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.

2Please Note: You will be charged a one-time $4 initial load fee the first time you load your ClearSpend card. This fee may be charged on cardholders who were approved from 11/1/16 through 4/30/17 regardless of when you enrolled and loaded your card.  There is no charge for subsequent loads after your initial load. Cardholders approved from 11/1/16 through 4/30/17 will not incur the $4 Monthly Service Charge for at least 6 months after approval.

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

A supported mobile device is needed to use the ClearSpend Mobile App. Certain other restrictions apply. Please refer to the ClearSpend Mobile App Terms of Use for full information. Third party message and data rates may apply.

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.

All users of our online services are subject to the  Online Privacy Policy.

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.

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.

Visa is a registered trademark of Visa International Service Association and used under license.