FAQs

CINQ by Coinstar is a digital wallet that allows your cash and coins to move and transact more seamlessly.

Debit Card: The CINQ by Coinstar™ Debit Card is a prepaid card account issued by Lead Bank that can be used anywhere Mastercard is accepted. Your virtual prepaid card is ready to use in minutes, and you can order a physical card for no additional cost in the CINQ by Coinstar™ app¹. Load coins and cash onto your card at Coinstar® kiosks across the US. Add your card to Apple Pay or Google Pay, connect your bank accounts, and even set up direct deposit.

Crypto: CINQ by Coinstar lets you buy cryptocurrency through Zero Hash with cash at Coinstar kiosks. You can also use the CINQ by Coinstar app to buy and sell crypto and transfer crypto into and out of your wallet with Zero Hash.

To find a CINQ by Coinstar enabled kiosk, visit our kiosk finder here.

Download the CINQ by Coinstar app here on the Apple App Store or the Google Play Store.

¹ Subject to eligibility, terms apply.

Yes. The CINQ by Coinstar™ Debit Card is issued by Lead Bank, Member FDIC. When Lead Bank receives the money that you load to your CINQ by Coinstar card, the funds on deposit with Lead Bank are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to $250,000, subject to applicable limitations and restrictions of such insurance in the event of the bank’s failure.

Yes, in certain cases. While transactions may be held for up to 30 days, some merchants may not finalize a transaction until later. If you spend the released funds after the applicable hold period expires and the merchant later submits the settlement, your account could temporarily go into a negative balance. This is rare, but it can happen with late-settling merchants. There is no overdraft fee, and the negative balance is automatically offset by your next load or direct deposit onto the card. You will not be able to use your card for additional transactions if it has a negative balance.

When you make a purchase with your CINQ by Coinstar™ Debit Card, the merchant places a temporary authorization hold to confirm funds are available. We typically hold all transactions between 7 and 30 days. If the merchant finalizes (or “settles”) the transaction within that window, the payment clears and the funds are sent to the merchant. If the merchant does not settle within the applicable hold period, the hold is released after that period expires, and the funds become available again. Funds subject to an authorization hold cannot be accessed or spent.

There are some limitations to how much you can add to, withdraw from, or spend with your CINQ by Coinstar™ Debit Card. At Coinstar® kiosks, you can add funds of up to $500 per transaction, $3,000 per day, and $10,000 per week. You can withdraw up to $500 per day and $2,000 per week in cash at ATMs or over the counter. Some ATM operators may have lower limits. The daily spending limit is $2,000 for purchases made with your CINQ by Coinstar Debit Card. These limits are subject to change in accordance with the terms of the CINQ by Coinstar Cardholder Agreement.

There are no monthly fees for your CINQ by Coinstar™ Debit Card, no card activation fee, no fee when making purchases with your card, and no fee for direct deposits to your card.

Kiosk Transactions*

If you choose to load coins onto your card at a Coinstar® kiosk, there is a $0.59 cash reload fee. When loading cash onto your card at a kiosk, there is a $4.95 cash reload fee.

Additional Fees

There may be additional fees for ordering a replacement physical card, ATM usage, international transactions, or prolonged inactivity. See your CINQ by Coinstar Cardholder Agreement for a full breakdown of fees.

*Coinstar also charges a separate coin counting fee of up to 12.9% for certain coin transactions conducted through Coinstar kiosks.

Yes, you can withdraw funds from your card at an ATM. A physical CINQ by Coinstar™ Debit Card is required for ATM access. You can order a physical card in the CINQ by Coinstar™ app. Note that there is a $1.50 fee when withdrawing money from your card at an ATM. There is a $0.50 ATM balance inquiry fee, or you can check your balance for free anytime by logging into the CINQ by Coinstar app. There may be additional fees charged by the ATM operator.

Yes. Using the CINQ by Coinstar™ app, you can add an external bank account and move money from your CINQ by Coinstar™ Debit Card to your external account with no fees.

Go to Settings in your account and under “Card” select “Linked Bank Accounts” to add an external account.

Transferred funds typically take 2-3 business days to arrive at the destination account.

To transfer money from an external bank account to your CINQ by Coinstar Debit Card, go to Card Settings in the CINQ by Coinstar app, view your account and routing numbers, and use them to initiate an external transfer from your financial institution.

Yes, you can add your CINQ by Coinstar™ Debit Card to digital wallets such as Apple Pay, Google Pay, and Samsung Pay.

To add your card to your Apple Wallet or Google Wallet, go to your account Settings then Manage Card. Click the button at the bottom of the screen that says "Add to Apple Wallet” or “Add to Google Wallet” then follow the in-app instructions.

To add your card to your Samsung Wallet, follow these steps:

1. Navigate to and open Samsung Wallet on your phone.
2. Tap the All tab, and then tap Payment cards.
3. If this is your first time adding a card, tap Add credit or debit card. If you have existing cards, tap the Plus sign in the upper right corner, and then tap Add credit or debit card.
4. Follow the in-app instructions to complete the process.

You can make purchases with your CINQ by Coinstar™ Debit Card anywhere Mastercard is accepted, in stores and online. Your virtual card can be used to make purchases or payments online, and you can connect your Apple Pay or Google Pay wallet to tap-to-pay with CINQ by Coinstar at checkout. Your physical card can also be used in stores to tap, dip (insert chip), or swipe at checkout.

Cardholders are prohibited from using the CINQ by Coinstar Debit Card for gambling purposes or for any illegal activities. For additional information on limitations on card use, see the CINQ by Coinstar Cardholder Agreement.

There may also be geographic limits on card usage. Note that your card can be used internationally, but there is a 4.5% Foreign Transaction Fee.

No, you can’t load both coins and cash to your CINQ by Coinstar™ Debit Card in a single transaction at Coinstar® kiosks.

If you wish to add both coins and cash to your card, first choose “I have coins,” complete your coin transaction, and then return to the home screen. From there you can select “I have cash,” insert bills, and complete your cash transaction. Card loading fees will apply to each transaction.

You can add funds to your prepaid CINQ by Coinstar™ Debit Card in multiple ways:

• Coinstar® kiosks: Use our kiosk finder to locate a Coinstar kiosk near you. At the kiosk, choose CINQ by Coinstar Debit Card, scan the QR code on the screen using the CINQ by Coinstar™ app, then load coins or cash onto your card.

• Transfer from your bank: Add money from an external bank account using the routing and account numbers connected to your CINQ by Coinstar Debit Card.

• Set up direct deposit: Find your account and routing numbers in your account Settings and set up direct deposit so funds are automatically transferred to your CINQ by Coinstar Debit Card when you get paid.

You will need a personal identification number (PIN) to make PIN purchases at merchants and to obtain cash at ATMs. You will select your PIN after being approved for your virtual CINQ by Coinstar™ Debit Card. You may reset your PIN when activating your physical card, or at any time in the CINQ by Coinstar™ app.

Your virtual CINQ by Coinstar™ Debit Card is activated once you complete your account verification. If you order a physical card, you will need to activate it once you receive it in the mail.

Activating your physical CINQ by Coinstar Debit Card is simple. After you’ve ordered your physical card in the CINQ by Coinstar™ app, you should see an Activate prompt on your balance home screen. You can also find the Activate Card option in Settings under Manage Card.

Once you receive your card in the mail, just click Activate. Your card will be activated, and you can start using it for purchases right away. Do not click Activate before you receive your physical card.

Note: Activating your physical card does not impact the use of your virtual card.

To verify your account and get a virtual or physical CINQ by Coinstar™ Debit Card, customers must:

• Be at least 18 years old
• Provide a mobile phone number and validate it via SMS
• Provide an email address
• Provide your date of birth, full name, and address
• Provide a social security number (SSN)
• Respond fully and accurately to any additional questions posed during the verification process

Note: You may be asked to provide a valid, non-expired form of photo identification, such as a state-issued driver’s license, ID card, passport, residency permit card, or temporary visa.

You may also be asked to take a selfie to ensure a match with the provided ID and its associated photo.

Visit CINQwallet.com or download the CINQ by Coinstar™ app on the Apple App Store or the Google Play Store and select “Create an Account.” After entering your email and mobile number, enable CINQ by Coinstar™ Debit Card as your service, and complete the account verification process.

Your virtual card will be available after account verification. To get a physical card mailed to you, go to "Manage Card" and select “Order Physical Card.” There is no fee for the initial physical card or for standard shipping.

No, the CINQ by Coinstar™ Debit Card is not a credit card, and no credit check is necessary when you apply for the card. The transactions you perform on your card are not reported to any credit reporting agency and will not impact your credit score. The CINQ by Coinstar Debit Card is a general purpose reloadable (GPR) prepaid card that you must load funds to — in-person at a Coinstar® kiosk, in-app via direct deposit, or from an external bank account — in order to use.

Unlike retailer gift cards, the CINQ by Coinstar™ Debit Card can be used anywhere Mastercard is accepted. You can add and withdraw funds, set up direct deposit, pay bills, and more.

The CINQ by Coinstar Debit Card is a prepaid account that does not require a credit check or bank history, and there are no monthly fees for active accounts. For additional information on fees, see the CINQ by Coinstar Cardholder Agreement.

The CINQ by Coinstar™ Debit Card is a bank-issued general purpose reloadable (GPR) prepaid card that’s ready to use virtually in minutes¹. From the global leader in coin transformation, the CINQ by Coinstar Debit Card is one of the few self-serve coin to card solutions on the market. Easily apply in the CINQ by Coinstar™ app, no credit check required. You can also choose to order a physical card for no additional cost.

Load coins and cash onto your CINQ by Coinstar Debit Card at over 10,000 Coinstar® kiosks nationwide. Add your card to Apple Pay or Google Pay, connect your bank accounts, and even set up direct deposit. Use your card to make purchases anywhere Mastercard is accepted, online and in stores.

¹ Subject to eligibility, terms apply.

As long as the phone number entered at the kiosk is the same phone number connected to your CINQ by Coinstar^TM wallet, the transaction will typically load into your wallet automatically, subject to any limitations under applicable law and both the Coinstar and Zero Hash Terms of Service.

If your purchase does not appear or you have issues with purchasing at the Coinstar kiosk, please contact CINQ by Coinstar Customer Service at 800-928-2274.

CINQ by Coinstar^TM is available for buying and selling cryptocurrency through Zero Hash in several ways in several locations.

To see if CINQ by Coinstar is available in your state or to find the closest location to you, visit our kiosk finder here.

Did you know you can also use our mobile app to purchase and sell cryptocurrency? Our mobile app can be found in both the Apple App Store and the Google Play Store.

You must be 18 years of age or older and possess identity documentation, including a valid state-issued driver license, ID card, passport, residency permit card, or temporary visa.

Along with Bitcoin, altcoin cryptocurrencies such as Ethereum, Dogecoin, and Litecoin are supported by CINQ by Coinstar^TM. CINQ by Coinstar powered by Zero Hash gives you more flexibility than ever! You can now choose from over 25 different crypto assets on the kiosk and over 30 in the CINQ by Coinstar mobile app. Visit this page for a full list of cryptocurrencies offered.

Note that available cryptocurrencies are subject to change without notice.

Yes, fees are associated with making crypto transactions, and they differ based on your purchase method and transaction type.

Kiosk Purchases
Generally, cryptocurrency purchases at kiosks incur a 4% transaction fee and up to a 16.1% spread fee charged by Zero Hash. Note that fees may vary based on location and the amount of cash inserted.

In-App Transactions
When buying, selling, or sending cryptocurrency in the CINQ by Coinstar^TM powered by Zero Hash app, the following fees will apply:

• Buy/Sell - 6% spread
• Send - 1% spread

Note that rates may vary by kiosk location, cryptocurrency asset, or as required under applicable state laws.

To complete the CINQ by Coinstar^TM powered by Zero Hash KYC verification process, customers must:

• Be at least 18 years old 
• Reside in a state where Zero Hash is permitted to operate
• Provide a mobile phone number and validate it via SMS
• Provide a valid, non-expired form of identification (must have a photo)
  • Accepted forms of identification include state-issued driver's licenses, ID cards, passports, residency permit cards, or temporary visas
• Provide a social security number (SSN)*
• Complete a selfie "liveness check" to ensure a match with the provided ID and its associated photo
• Respond fully and accurately to any additional questions posed during the KYC process
• Pass a screening against global government sanctions and other relevant lists

With full verification, the daily purchase limit is up to $3,000, subject to applicable state laws. Transaction limits are subject to change at the discretion of Zero Hash and Coinstar.

* Beginning December 31^st 2024, all previously verified users who are U.S. citizens (or any non-citizen who is eligible for and has obtained an SSN) will be required to provide that SSN to comply with the reporting requirements established by the Infrastructure Investment and Jobs Act of 2021 (Public Law 117-58).

Your purchase limit depends on whether you’ve completed the full verification process, which includes uploading your identification documentation and SSN. Identification we accept includes a valid state-issued driver license, ID card, passport, residency permit card, or temporary visa. With full verification, the daily purchase limit is up to $3,000, subject to applicable state laws. Without full verification, your lifetime purchase limit will be limited, subject to applicable state laws. Transaction limits are subject to change at the discretion of Zero Hash and Coinstar.

To comply with the reporting requirements established by the Infrastructure Investment and Jobs Act of 2021 (Public Law 117-58), all users shall be required to provide an SSN from December 31st 2024.

We make it easy! There are two ways to get started buying cryptocurrency through Zero Hash at Coinstar kiosks.

1. Download the CINQ by Coinstar^TM app, verify your account, and visit a Coinstar kiosk with your cash. Or connect your bank account in the app and get started immediately.
2. Visit a Coinstar kiosk, select cryptocurrency from the options, and choose CINQ by Coinstar to get started with your crypto purchase through Zero Hash. Enter your mobile number at the kiosk, then download the CINQ by Coinstar app and complete your account setup.

Download the CINQ by Coinstar mobile app here on the Apple App Store or the Google Play Store.

You can access your purchase by opening the CINQ by Coinstar^TM app and creating your wallet with the same mobile number you entered during the kiosk transaction. Your cryptocurrency purchase through Zero Hash should be available in your CINQ by Coinstar wallet after the transaction is complete at the kiosk, subject to any limitations under applicable law and both Coinstar and Zero Hash Terms of Service.

If the phone number entered at the Coinstar kiosk is the same as the phone number associated with your approved CINQ by Coinstar^TM wallet, your cryptocurrency purchase through Zero Hash should be available in wallet after the transaction is completed at the kiosk, subject to any limitations under applicable law and both Coinstar and Zero Hash Terms of Service.

Your crypto wallet address is a unique code that can be used to transfer cryptocurrency to or receive cryptocurrency from an external wallet to your CINQ by Coinstar^TM wallet powered by Zero Hash.

You have a distinct wallet address for each crypto asset. For example, Bitcoin funds are sent to one wallet address, while Ethereum funds are sent to another. Be sure to share the correct address when receiving funds to your CINQ by Coinstar wallet, as sending to the wrong address may result in permanent loss of funds.

To locate your wallet address for a specific crypto asset, follow these steps:

• Log in to your CINQ by Coinstar account.

• Select the green “Receive” button on the home screen below your wallet balance.

• Select the cryptocurrency asset for the wallet address you want to locate.

From here, you can view your wallet address for the selected crypto asset and share it using either the “Copy” button or the unique QR code.

Yes, you will need a CINQ by Coinstar^TM powered by Zero Hash account. You can purchase crypto at a kiosk before making your account, but you will need an account to access the crypto funds in your wallet.