T-Mobile MONEY

13.2K reviews
Content rating
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About this app

T-Mobile MONEY is the online banking service that puts you and your money first! There are no account fees, no overdraft fees, and no minimum balances. Get your paycheck early with direct deposit⁺, make payments and transfers without fees, and withdraw cash at over 55,000 no-fee Allpoint® ATMs.^ Download the app today and start banking better with T-Mobile MONEY!

• No credit checks. No account or overdraft fees. No minimum balances.
• Payday comes earlier! Set up direct deposit to receive your paycheck up to 2 days sooner⁺
• Earn industry-leading interest on checking and savings balances
• 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.
• Not just for T-Mobile wireless customers, anyone can apply!

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

Everyone earns 2.25% 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 2.25% APY after that.

Stay connected to your money with transaction and balance notifications. Easily transfer money to and from your 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. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when 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, we typically make funds available the business day received, which may be up to 2 days earlier than scheduled.

*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 plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payment to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 2.25% APY. The APY for this tier will range from 4.00% to 3.30% 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 2.25% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. Savings account customers earn 2.25% APY on all Savings account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing and funded to open a Savings account. APYs are accurate as of 10/01/22 but may change at any time at our discretion. Fees may reduce earnings.

For details see Terms and Conditions or FAQs.
Updated on
Sep 2, 2022

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
13.2K reviews
Marc L.
August 16, 2022
Fix this thing. Every time i click on account activities, it freezes up.😡 Update: After contacting the developers, they worked diligently to fix the problem. Colleen was nice enough to keep in contact until the issue was resolved. Thanks to the developers for their support and efforts. Update 2: when transferring money, it shows money is in but it doesn't reflect on available balance until 2 days later. Back down to 3 stars
57 people found this review helpful
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T-Mobile USA
August 19, 2022
Hi Marc, Thanks for your feedback. Transfers from external banks are usually shown in available balance within 2-4 business days. Until then, you can find these transactions in your balance breakdown as pending transfers.
Jesus Diaz
September 26, 2022
The 4% qualifications are changing soon, just got an email with this information. This app will still be awesome for a month and a half, after March 31 it is all down hill. I hope they change it back or I'm closing my account. This app can still help with saving when done right.
13 people found this review helpful
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T-Mobile USA
September 30, 2022
Hey Jesus - 10 qualifying transactions a month unlocks 4.00% APY on balances up to $3000. We are increasing the base APY from 1.50% to 2.25% as of Oct 1 so you can earn even more!
A Google user
April 22, 2019
"SUCKS!!!" ...I'm assuming everyone gets the two-step verification process. I get through the first one fine but when I try to enter the second one the app shuts down completely. I've reinstalled the app twice, but to no avail. I virtually never any problems with apps on my phone!!! I have to access the account from my laptop instead
26 people found this review helpful
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What's new

Introducing Payments to Friends! Now you can send instant payments to other T-Mobile MONEY customers.

Customize new account alert preferences in the app so you can choose when and how you’d like to be notified.