FAQs

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 participating Coinstar® kiosks nationwide. Add your card to Apple Pay or Google Pay, connect your bank accounts, and even set up direct deposit to get paid up to two days before your scheduled payday. Use your card to make purchases anywhere Mastercard is accepted, online and in stores.

¹ Subject to eligibility, terms apply.

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.

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.

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.

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.

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.

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.

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: Go to your app account Settings to find your account and routing numbers, or generate a pre-filled direct deposit form, and set up direct deposit so funds are automatically transferred to your CINQ by Coinstar Debit Card when you get paid. There’s no fee on funds added through direct deposit, and you can get paid early – up to two days before your scheduled payday.

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 set up direct deposit to your CINQ by Coinstar™ Debit Card so funds are automatically added to your account when you get paid. There is no fee to add funds through direct deposit, and you can get paid early – up to two days before your scheduled payday. 

There are two ways to set up direct deposit.

Set up with your routing information: 

1. Sign into the CINQ by Coinstar™ app and go to “Settings”
2. Scroll to the “Card” section and click on “Routing Information”
3. Access the Account and Routing numbers and share them with your employer or benefits provider

Or use the pre-filled form:

1. Sign into the app and go to "Settings"
2. Scroll to the "Card" section and click on "Direct Deposit Form"
3. Choose how much to deposit each pay cycle
4. Generate your form and send it to your employer or benefits provider

Note: Confirm the set-up process and timing details with your employer.   

You may be able to choose to transfer only a portion of your paycheck to your CINQ by Coinstar™ Debit Card, subject to employer payroll policies. Availability of split deposits can vary by employer. 

When you set up direct deposit from your employer or benefits provider to your CINQ by Coinstar™ Debit Card, funds are available as soon as we receive and process the payment file from your employer or benefits provider—often up to two days before your scheduled payday. 

We'll send you a push notification as soon as your funds arrive. 

Timing can vary based on when the payment is sent. Direct deposits are processed on weekdays, excluding bank holidays. 

Yes, when you set up direct deposit to your CINQ by Coinstar™ Debit Card, you can get paid up to two days before your scheduled payday. 

Instead of waiting until payday, you can access your funds as soon as we receive and process the payment file from your employer or benefits provider.  

Timing can vary based on when the payment is sent. Direct deposits are processed on weekdays, excluding bank holidays. 

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.

Yes, you can pay your bills with your CINQ by Coinstar™ Debit Card. With the ability to make one-time or recurring bill payments, we make it easy to keep up with monthly payments like rent, cell phone bills, and gym memberships. 

• Debit card payment method 
  If your biller accepts debit cards as a payment method, simply provide your biller with your card number, expiration date, and security code – these can be found on your virtual card in the CINQ by Coinstar™ app or on your physical CINQ by Coinstar™ Debit Card.  
  
  Debit card payments may be processed more quickly by billers than payments made directly from a bank account. 

• Direct debit payment method 
  If your biller only accepts direct debit payments, you can use your account and routing information to make a payment. In the CINQ by Coinstar app, go to Card Settings then Routing Information, view the account and routing numbers, and provide them to your biller.  

Recurring payments can be set up with your biller if they provide the option. 

Note: There is a limit of $2,000 per transaction. If the transaction amount exceeds your available balance, your payment will be declined.  

There is no fee to make bill payments with your CINQ by Coinstar™ Debit Card. Some billers may charge their own fee for certain types of transactions. See the CINQ by Coinstar Cardholder Agreement for details on fees and transaction limits. 

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.

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 withdraw available funds using your card at an ATM. A physical CINQ by Coinstar™ Debit Card is required for ATM access and can be ordered in the CINQ by Coinstar™ app. 

Withdraw cash with no ATM fees at thousands of ATMs in the Allpoint Network across the U.S. and Puerto Rico. You can find an Allpoint ATM here. 

You may also withdraw cash at any ATM outside the Allpoint Network that displays the Mastercard® logo. A $1.50 out-of-network withdrawal fee applies, and the ATM owner may charge an additional fee. 

A $0.50 balance inquiry fee applies at all ATMs, including those in the Allpoint Network. The ATM owner may charge an additional fee (outside of the Allpoint Network). You can check your balance for free anytime in the CINQ by Coinstar™ app. See your CINQ by Coinstar Cardholder Agreement for details on fees and withdrawal limits. 

There may be a fee when withdrawing cash from an ATM with your CINQ by Coinstar™ Debit Card.  

Fee-free ATM withdrawals are available at thousands of ATMs in the Allpoint Network in the U.S. and Puerto Rico. Or you can withdraw funds at any ATM that displays the Mastercard^® logo but note that there is a $1.50 fee for out-of-network ATMs, and you may be charged an additional fee by the ATM owner. 

See your CINQ by Coinstar Cardholder Agreement for details about fees and withdrawal limits. 

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.

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.

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.

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.

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.