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T-Mobile MONEY puts you and your money first with no minimum balances, no account fees, no overdraft fees, and over 55,000 no-fee Allpoint® ATMs. Plus, when you set up direct deposit for your paycheck you can get paid up to 2 days early.⁺

Everyone earns 1.00% Annual Percentage Yield (APY)* on all balances. Plus, customers with qualifying T-Mobile service who register for perks and make at least 10 qualifying purchases per month with their T-Mobile MONEY card can earn 4.00% APY* on checking account balances up to $3,000 and 1.00% APY after that.

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. All Rights Reserved.

You can easily transfer money to and from your external accounts. Send a check, pay bills, or direct deposit some or all of your paycheck – all with just a few taps in your T-Mobile MONEY app.

Your account includes a debit card with EMV chip, plus it works with Apple Pay, wherever Apple Pay is available.

Set up alerts to monitor your balance and spend activity with app push notifications, emails, or both. Get support 365 days/year from 8AM – 12AM ET.

Prevent unauthorized account access with multi-factor authentication. Enable or disable your debit card remotely if it’s lost or stolen. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when fraud occurs.

*How APY works: As a T-Mobile MONEY customer you 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 postpaid wireless plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking Account before the last business day of the month. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. If you meet this purchase requirement in a given month, we will pay you this benefit in the subsequent month as an added value provided all other requirements are met. As an additional added value for customers that haven’t yet deposited money into their T-Mobile MONEY account, you will receive 4.00% APY in the 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 1.00% APY. The APY for this tier will range from 4.00% to 2.79% 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 1.00% APY on all Checking Account balances for any month(s) in which they do not meet the requirements listed above. APYs are accurate as of 6/27/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information and qualifying purchase details, see Account Disclosures / Terms and Conditions or go to our FAQs.

⁺Depending on the payer’s deposit description, we generally post direct deposits the day they are received, which may be up to 2 days before your payer’s scheduled payment date.

**How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once at least 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking Account before the last business day of the month. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

What’s New

Version 1.5.3

- Customize account alert preferences to choose when and how you’d like to be notified.
- T-Mobile MONEY Specialists are now available 365 days/year from 8AM-12AM ET.

We’re always working on new features and performance improvements. Keep auto-updates turned on to make sure you have the latest.

Ratings and Reviews

4.8 out of 5
26.3K Ratings

26.3K Ratings

Davidjess22 ,

Fatal flaw not fixed

They have not even tested their own app functions before releasing them on unsuspecting account holders to which they have fiduciary duty. I just now attempted 40 times to set an automatic recurring house payment where each date was rejected for being a weekend whether I changed the year, month, or day. They need to test the app and lighten up on the validation—make sure they have thought about each possible situation before blocking a transaction setting.

A banking app is not allowed to have a fatal flaw, because it affects your finances and your life. The app warns you to deposit money the same day to bring your balance over $0, and asks if you are doing it now, but then provides no function to do that. All deposit methods given take several days to post.

Good things:
Smooth processes otherwise. Nice to have your banking in an app without having to register separately.
$10 per month interest if you have T-Mobile service and keep $3000 deposited. T-Mobile also lets you have freebies in the T-Mobile Tuesday’s program. 0% interest on phones. And flat-rate unlimited data plans.

A great Invitation to have a buffer. Not only do you get charged no over-draft fees, but also you rarely overdraft at all, because when you accept the invitation to have a buffer (or reservoir, or reserve), and keep $3000 in the account (or any smaller or larger amount), then you rarely have any accidental overdrafts.

Anthony G from Tucson ,

I would not recommend!!!

I deposited a $475 check on November 28th, received an email on the 30th it had been accepted. Today in Dec 2nd I get a secure message stating that my check is being held to till the 9th because they have confidential information that the check will not be paid. I proceeded to then call the customer service number listed and I was assisted or attempted to be assisted by Edwin. All Edwin kept doing was reading the same response to me “I’m sorry our secure team currently has an investigation and this is part of the process,This doesn’t happen all the time but it does happen from sometimes, thank you for using Tmobile”. I then asked to speak to a manager. I has then helped by a cold woman by the name of Lisa. I explained to her how important it was for me to get that money for rent as father of four, especially during a pandemic as were getting ready to go down into another quarantine. My rent is due in three days I was depending on that money and now I have to pay additional charges for each day I do not have rent after the fifth and I will not have that money until the ninth. She also gave the I’m sorry, there is nothing we can do, l with a fake smile response.

So all in all I now have to wait 13 days to receive my money and I spoke with the person who wrote me the check and they said the funds have already been taken out of their account....

Thank T-mobile, MERRY CHRISTMAS!!!

wniebles ,

Too fussy over a mobile deposit

T-Mobile Money App from BankMobile rejected my check because while endorsing the back of a check I deposited I wrote “For Deposit Only” and left out “Mobile” out of the sentence, which according to them HAD TO BE SPELLED OUT “For Mobile Deposit Only”... c’mon people, I understand there have to be rules and regulations in place, and “a missing signature” would have been an understandable reason for rejection... but not the lack of the word “mobile”... I have been using Mobile Banking pretty much since it started allowing check deposits, and none of the banks I’ve dealt with ever rejected a check for not using specific wording. “For Deposit Only” of “For Electronic Deposit Only” or even leaving out the word “Only” has always worked... If it comes down to some logic... having an account in an online bank which promotes not needing brick and mortar locations it is implied that the deposits are “mobile” right? Leaving the word “Mobile” out of the endorsement of the check should not have been a reason for the bank to reject my deposit. SO, MY REVIEW: FIRST ATTEMPT TO MAKE A DEPOSIT WITH THIS PRODUCT: A TRAIN WRECK... A WASTE OF AN OTHERWISE PERFECTLY GOOD CHECK. /WN

App Privacy

The developer, T-Mobile, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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