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ShapeCard is a financial technology company, not a bank. Banking services and cards will be provided by our bank partner (Pending bank partner).
Every fee for the ShapeCard Debit Card, shown before you apply.
Pre-launch draft. Fees are set by our bank partner and are not final until it is named.
This is the fee summary for the ShapeCard Debit Card (the short form), followed by the full list of every fee (the long form). A debit card spends only the money you add to it. It has no overdraft feature and no credit feature.
ShapeCard Debit Card short form
Other fees: Pending bank partner. See the full fee schedule for every fee and its conditions.
FDIC insurance eligibility: Pending bank partner.
No overdraft or credit feature.
Contact ShapeCard at support@shapecard.ai. Card issuer: Pending bank partner.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services in the Cardholder Agreement and the full fee schedule at shapecard.ai/legal/prepaid-disclosures, or by emailing support@shapecard.ai.
Every fee the ShapeCard Debit Card can charge, with when it applies. Third parties, such as an ATM owner or a retailer that takes cash reloads, may charge their own fees.
| All fees | Amount | Details |
|---|---|---|
| Get started | ||
| Card purchase | Pending bank partner | Charged when you get your first card. |
| Monthly usage | ||
| Monthly fee | Pending bank partner | Charged each month your account is open. |
| Add money | ||
| Bank transfer load | Pending bank partner | Adding money from your linked bank account by ACH transfer. |
| Cash reload | Pending bank partner | Adding cash at a participating retail location. A retailer may charge its own fee. |
| Spend money | ||
| Per purchase | Pending bank partner | Each purchase made with your card. |
| Foreign transaction | Pending bank partner | A purchase made in a currency other than U.S. dollars, or with a merchant outside the United States. |
| Get cash | ||
| ATM withdrawal (in network) | Pending bank partner | A cash withdrawal at an in network ATM. |
| ATM withdrawal (out of network) | Pending bank partner | A cash withdrawal at any other ATM. The ATM owner may charge its own fee. |
| Information | ||
| ATM balance inquiry (in network) | Pending bank partner | Checking your balance at an in network ATM. |
| ATM balance inquiry (out of network) | Pending bank partner | Checking your balance at any other ATM. |
| Customer service (live agent) | Pending bank partner | Calling a live customer service agent. |
| Customer service (automated) | Pending bank partner | Calling the automated customer service line. Checking your balance in the app or portal is free. |
| Other | ||
| Inactivity | Pending bank partner | Charged after a period with no transactions, as stated in the short form. |
| Card replacement | Pending bank partner | Replacing a lost, stolen or damaged card. |
| Expedited card delivery | Pending bank partner | Faster shipping of a card, when you ask for it. |
The Cardholder Agreement explains how the card works, how to report a lost or stolen card, and how we resolve errors. You can see your balance and transaction history at any time in the ShapeCard app or portal, at no charge, and ask for a written history of up to 24 months by emailing support@shapecard.ai.
For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.
Last updated: October 2026. Version 2026-10-07.