T-Mobile MONEY: Better Banking

15.8K reviews
Content rating
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About this app

T-Mobile MONEY is the banking service that puts you & your money first! Save with no account or overdraft fees. Take your dollars further with industry-leading interest & exclusive partner offers. Get your paycheck early with direct deposit⁺, make payments without fees, & withdraw cash at 55k+ no-fee Allpoint® ATMs.^ Download the app & start banking better today!

• No credit checks. No account or overdraft fees. No minimum balances.
• Set up direct deposit to receive your paycheck up to 2 days sooner⁺
• Earn industry-leading interest on checking and savings balances
• Enjoy exclusive offers on dining, select travel, and more!
• Send instant payments to other MONEY customers without fees
• Withdraw cash at 55k no-fee AllPoint® ATMs^
• Make purchases with a personalized debit card, or enable Google Pay or Samsung Pay for mobile payments
• Deposit checks on your phone or add cash at select merchants (third-party fees may apply)
• Pay bills: pay by check or set up recurring transfers
• Talk to T-Mobile MONEY specialists every day of the year. Y ayuda también disponible en español.
• T-Mobile wireless customers can save $5 per eligible line with AutoPay. Plus, all payments made to T-Mobile count towards perks qualifying transactions.

T-Mobile MONEY is a banking service powered by BMTX. Accounts provided by Customers Bank, Member FDIC. All Rights Reserved.

Everyone earns 2.50% Annual Percentage Yield (APY)* on all checking and savings account balances. Plus, qualifying customers who register for perks and make at least 10 qualifying transactions per month can earn 4.00% APY* on checking account balances up to $3,000 and 2.50% APY after that.

Stay connected to your money with transaction and balance notifications. Easily transfer money to and from external accounts. Temporarily disable your debit card from your phone or browser if lost or stolen.

Prevent unauthorized account access with multi-factor authentication and with biometric login. Deposits are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected if fraud occurs.

^The location, availability, and hours of operation of Allpoint® ATMs may vary by merchant and is subject to change.

⁺Subject to description and timing of the employer payroll-based direct deposit.

*How APY works: Checking account customers earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account per month when: 1) you are enrolled in a qualifying T-Mobile or Metro plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions have posted to your Checking account before the last business day of the month. Qualifying transactions posting on/after the last business day of the month count toward the next month’s qualifying transactions. The first time you fund your account, as an added value, you’ll receive 4.00% APY on balances up to/including $3,000 in the statement cycle in which you make your first deposit of greater than $1, as well as in the cycle that follows that deposit provided all other requirements are met. These added value benefits are subject to change. Balances above $3,000 in the Checking account earn 2.50% APY. The APY for this tier will range from 4.00% to 3.40% depending on the balance in the account (calculation based on a $5,000 average daily balance). Customers who do not qualify for the 4.00% APY will earn 2.50% APY on all Checking account balances for any month(s) in which they don’t meet the requirements listed above. Savings/Shared Savings account customers earn 2.50% APY on all account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing and funded to open any type of Savings account. APYs are accurate as of 12/01/22 but may change at any time at our discretion. Fees may reduce earnings.

For details & more on qualifying transactions, see Terms and Conditions or FAQs.
Updated on
Oct 30, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 4 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

15.7K reviews
J Kx
November 7, 2023
This is a great banking app. If you have a T-Mobile phone, you should definitely use this for your checking account, you will get the best interest rate on your money! The app works great, no issues. Edited to add that when the app doesn't work well, customer service is pretty bad. They listen to the problem, then obviously put in some keywords and read some script about the rules. They just repeat the same script, even if it has nothing to do with the problem. Frustrating!
27 people found this review helpful
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R Montero
October 14, 2023
I dont understand why it takes almost a week for money I transfer to the card. I have had money in the account waiting for it to transfer and it takes so long that a bill on autopay takes some of it then I get charged a fee because of insufficient funds for a transfer that didn't happen!! I love the higher interest rates but the app really needs alot of work. I have way too many issues trying to connect to bank accounts also. Plaid is garbage! Had the app three years and still can't connect!!
49 people found this review helpful
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A Google user
November 24, 2019
Super Laggy and not intuitive. Hard to navigate and just not user friendly. I need to change my security questions and there just no way to do it. Same with password. Even when I sign in on a PC, it is laggy and tricky. I never have a problem with the card, just the apps. The problem is when I need to know what is on the account, it takes a long time.
111 people found this review helpful
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What's new

Minor bug fixes and performance enhancements.

To give you the best experience, we're constantly improving our app. Keep auto-updates turned on to make sure you have the latest version.