FAQ

Bambu promotes financial inclusion to the unbanked by providing an array of financial solutions delivered via mobile devices. We give an overlooked audience a convenient, safe and cost-effective way of managing their finances.

Your deposits are FDIC-insured through Metropolitan Commercial Bank, Member FDIC. The FDIC provides insurance coverage for deposit accounts up to $250,000. Your account is limited to a balance of $9,999 and must be a single account. Link to site; https://www.fdic.gov/deposit/covered/

Signing up for an account is easy. Depending on what mobile device you use, please visit and download the Bambu Mobile App directly from one of the major app stores: - Android: Google Pay - IOS: Apple App Store

To open an account that can perform financial transactions, you’ll need to supply us with your full name, valid US residence address (no PO boxes), mobile number, email address, your date of birth, and SSN or photo of a valid foreign or US ID.

Bambu is committed to providing valuable services at the low costs. However, there are some fees associated with using your account. A complete listing of those fees is available here.

There are many reasons why an account could not be immediately opened. Please contact the Customer Care Chat messaging option for assistance. The chatbot can be opened by tapping the green message button at the bottom of the app.

To close your account, tap the green menu icon in the top left corner of the mobile app, tap your name or photo and then tap “Settings.” Under “Other Settings,” tap “Close Bambu App Account” and follow the instructions.

First, make sure you’ve entered the correct mobile number or email address. If the phone number is incorrect, select “Change Phone Number” at the bottom of the screen and re-enter the correct number. Emails & text messages may experience delays in delivery. Wait a few minutes & select “Resend Code”, if you still haven’t received the code after multiple attempts.

One has four attempts to scan documentation, if it does not work after that please contact customer service.

The whole account opening process should not take more than 4-5 minutes.

You can use your Bambu VISA card with any vendor that accepts VISA prepaid cards. There may be additional fees for using your card outside of the US, as disclosed in the [Accountholder Agreement], which is available here.

One account per person. No joint accounts are permitted.

Your account information, including your current account balance and your recent transactions is available in the Bambu mobile app 24 hours a day, 7 days a week. Your balance is displayed in the upper right corner of the Bambu mobile app home screen, and your transaction history can be viewed by tapping the “History” tab on the app home screen. You can also access account information by calling Customer Service at 833-882-2628.

This service is not currently available. Please check our site for future updates.

You will be able to access your account as soon as the verification process has been completed.

You have access to your account, no matter where you live in the US. However, if you do move, please remember to update your address in the Bambu app. Some online merchants check the billing address associated with your card to make sure the card is valid and your transaction could be declined if you haven’t updated your address with Bambu.

Accounts can be closed for a variety of reasons. For additional information, please call us at 833-882-2628.

Anyone living in the US with a valid US residence address and an unexpired foreign or US government issued ID is permitted to open an account.

There is no fee to cancel/close your account. However there is a fee if you request we mail you a check for the balance of your account. The check delivery may take up to 5 business days. See here for fees.

18 years old.

Anyone living in the US with a valid US residence address and an unexpired foreign or US government issued ID is permitted to open an account.

Anyone living in the US with a valid US residence address and an unexpired foreign or US government issued ID is permitted to open an account.

You can find your direct deposit account number in your profile. To access your profile, tap the menu button in the top left corner of the Bambu mobile app home screen, then tap your name or your photo and view “Direct Deposit Information.”

You can find your routing number in your profile. To access your profile, tap the menu button in the top left corner of the Bambu mobile app home screen, then tap your name or your photo and view “Direct Deposit Information.”

Currently, we offer electronic monthly statements delivered in the Bambu Mobile App which you can print out or email as needed. If you require a paper statement, you may request one at no cost by calling Bambu customer service at 833-882-2628 or by submitting a written request to Bambu Customer Service, P.O. Box 2141, Cranberry Township, PA 16066

1. Tap the menu button on the Bambu mobile app homepage (the three green lines in the top, left corner) 2. Tap on your name or your photo at the top of the menu. 3. Select “Bank Accounts” and then tap the green plus sign. 4. Enter your bank’s routing number & account number. 5.Bambu will send two small deposits (both less than $.50) to that bank account within 24 hours. You then will enter those two deposit amounts in the Bambu mobile app to verify the account.

For a limited time only, Bambu will waive its usual fee and offer this service for at no cost. For additional information on fees, please see here.

The plastic and digital Bambu Visa cards are prepaid cards, not credit cards or gift cards and are not intended for gifting purposes.

One plastic card is permitted.

You will need to create a 4-digit Card PIN for your card when you activate the card in the Bambu Mobile App.

A Card PIN is not required to use your digital card.

Split transactions are permitted. If you do not have sufficient funds loaded on your card when making a purchase from a merchant, you can instruct the merchant to charge a portion of the purchase to the card and pay the remaining balance with cash or another card.

In general, you do not have the right to stop payment on any purchase transaction originated by use of your card, other than as provided in the Accountholder Agreement, available here.

Bambu does offer this feature.

Once you receive the card you will need to activate it in our app and set up your Card PIN code. Tap the Bambu Card tile on the mobile app homepage, then select “Activate my Card.”

There could be several reasons this is happening, please try to change your PIN Code in the MyBambu Mobile App and if that does not work, contact us via chat, call us at 833-882-2628 or email us at customercare@mybambu.com.

No, you cannot get cash back when using your plastic Bambu Visa card. This feature is not yet available, but will be coming soon.

Gas stations, hotels and car rental agencies frequently preauthorize a transaction, which means they place a hold in advance on a certain amount of money in your account until the final amount owed is determined. Here are some common situations when an authorization hold may apply: i. Gas Stations. For pay-at-the-pump fuel transactions, a temporary authorization hold of up to $100 or more may be placed on your card before you pump gas so that the cost of the gas you actually pump is covered. Typically, within three days, the transaction will settle for only the actual amount of the gas purchased, but until then the entire amount remains on hold. Note: you can avoid the authorization hold by paying inside the station at the cashier instead of paying at the pump. ii. Car Rentals. You can use your card at car rental agencies that accept prepaid cards. However, they usually require a deposit of 15 percent more than the cost of renting the car. The rental agency will place a hold on the account for that additional amount of money which could last for a couple of weeks. We suggest that you call the car rental agency in advance of your rental to inquire about their prepaid card payment policies and their standard deposits. iii. Hotel Stays. You can use your card at hotels that accept prepaid cards to make a room reservation. However, you should expect the hotel to place a hold on your card. The hold will typically cover the hotel room rate plus an additional 15 percent. The funds will be held until the hotel settles the transaction, which is usually the day of your checkout. However, in some cases the hold could take several days to be released. We suggest that you call the hotel in advance to inquire as to their prepaid card payment policies and their typical authorization hold timeframe.

Bambu’s card fee is 3% of the dollar amount for each transaction. Visa may charge an additional fee. For additional information on fees, please see here.

Yes, you can use your plastic or digital Bambu Visa card outside of the US.

You can easily report your lost card by selecting the option “Report Lost or Stolen” in the Bambu Card section of the mobile app or by calling customer service at 833-882-2628. Fees may apply; see here.

If your account is in good standing, you should automatically receive a new card about a month before your card expires. If you do not receive an automatic reissue, you can request a new card in the Bambu Mobile App by selecting the “Request Replacement Card” option in the Bambu Card section of the mobile app. If you have any questions, use our Chat messaging option (found in the green message button at the bottom of the Bambu mobile app), email us at customercare@mybambu.com or call us at (833)882-2628 to get you a new card right away!

Tap the option “Replacement Card” in the Bambu Card section of the Bambu mobile app. Fees may apply; see here.

Please allow for 5-7 business days for your card to arrive.

Go to the Bambu Card section of the mobile app and select “Change my PIN.”

To obtain or reset your Card PIN, use the “Change Card PIN” feature in the Bambu Card section of the Bambu mobile app. Your PIN will be immediately reset.

If you haven't used your card yet, make sure that it has been activated. If the problem continues please call us at (833) 882-2628 or contact us through our Chat messaging option by tapping the green message button found at the bottom of the Bambu mobile app.

Please make sure you: 1. Have activated your card. 2. Have enough funds in your account to cover the purchase amount. Please remember that some merchants will temporarily hold more than the amount of the purchase price. 3. Are entering the correct Card PIN for PIN debit transactions. 4. Have checked your account status to ensure it’s not on hold or suspended due to possible fraud activity. If you still have questions about a transaction decline, please contact us via the Bambu Chat option (found in the green message button at the bottom of the Bambu mobile app), call us at (833)882-2628 or email us at customercare@mybambu.com.

As soon as you can call us at (833)882-2628, email us at customercare@mybambu.com or write us at P.O. Box 2141, Cranberry Township, PA 16066.

There are instances where a merchant preauthorizes a transaction and then later sends in the actual amount of the final transaction. When that happens, the initial preauthorized transaction should be overwritten by the final transaction. In some cases, however, the initial transaction is not immediately overwritten. If you feel that you have been double-charged in error, please contact Bambu customer service at 833-882-2682

There is no fee for a digital card.

You can activate your digital card in the Bambu mobile app in the “Bambu Card” section of the app by selecting the “Activate Card” button.

You can use your digital card to make mobile payments using Apple Pay, Samsung Pay or Android Pay. You may not use your account or digital card at ATMs or point of sale devices that require a physical card.

You can use your digital card to make mobile payments using Apple Pay, Samsung Pay or Android Pay. You may not use your account or digital card at ATMs or point of sale devices that require a physical card.

Please click on the option to request a new digitial card in the MyBambu App. Your old digital card number an information will be deleted and replaced with a new one.

One digital card is permitted.

Your digital card can be used at any online merchant that accepts Visa Debit cards.

A Card PIN is not required to use your digital card.

If you recently got married or divorced or you’ve legally changed your name and want to change in the name associated with your Bambu account, please email us at customercare@mybambu.com or call us at (833)882-2628. You will need to send us proof by providing a approved version of an ID or an official government document showing your new name. These documents include a Social Security Card, a state ID or Driver’s License, or a current, unexpired passport.

Go to “Profile” by tapping your name or photo, then “Settings” and under “Bambu App Account Settings” you will be able to update your email with your Bambu PIN Code.

Go to “Profile” by tapping your name or photo, then “Settings” and under “Bambu App Account Settings” you will be able to update your mobile number with your Bambu PIN Code.

Go to “Profile” by tapping your name or photo, then “Settings”, and under “Bambu App Account Settings” you will be able to update your billing address information with your Bambu PIN Code.

Go to “Profile” by tapping your name or photo, then “Settings”, and under “Other Settings” you may select “Logout.”

Go to "Profile", then "Settings", and under "Privacy and Security" you can select to "Block Users."

Go to "Profile", then "Settings", and under "Privacy and Security" you can select to "Change Pin."

Go to the Bambu Card section of the mobile app and select “Change my PIN.”

Bill Pay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your account. You may pay bills using your Bambu Mobile App.

Just select the “Bill Pay” option on your Bambu Mobile App and start using the service.

1. Biller name 2. Account number 3. Amount to be paid

To pay a US bill, tap the Pay Bill tile on the Bambu mobile app home screen, then tap the Find Billers icon. Enter in the biller’s name and the account number for the bill. Once the biller has been found, you’ll enter in the amount of your payment and hit Submit. If your biller is outside the US, tap the Pay International Bill tile on the mobile app home screen, then tap “Find Billers,” select the country in which the biller is based, and then scroll to find your biller. Once your biller has been found, you’ll be prompted to enter in the account number associated with the bill and the amount you wish to pay.

This function is currently unavailable through the Bambu Mobile App.

The funds are removed from your account immediately. However, you must allow 2-7 business days, before the due date, for each bill payment to reach the Payee.

To view your last 15 paid bills, select the "Bill Pay" option from the main menu and then select "History."

You may manage your Payees, including deactivation by selecting the “Manage My Payees” option which allows the list to be edited.

The Confirmation Number is a unique identifier that is automatically assigned to each payment you make online using “Bill Pay”. The confirmation number does not indicate whether the biller has received the payment. If you have a problem with a payment, please use the Confirmation Number to refer to the payment when you email us at customercare@mybambu.com or call us at (833)882-2628. In addition, the Confirmation Number is automatically included with any payment inquiry.

You can pay almost any company or individual in the US and in Latin America. Search for a US biller by tapping the Pay Bill tile on the Bambu mobile app home screen, then tap the Find Billers icon. If your biller is outside the US, tap the Pay International Bill tile on mobile app home screen, then tap “Find Billers,” select the country in which the biller is based, and then scroll to find your biller.

With Bill Pay you may not make a payment of payroll or employee benefits, payments to settle securities purchases, payments to interest-bearing or other depository accounts, alimony, maintenance, child support, liens, taxes or other governmental fees or court-ordered payments.

Bambu does not charge a fee for paying a bill with a plastic or digital Bambu Visa card. However, the biller may assess a convenience fee for accepting a card payment. For more information on fees, please see here.

There is a $1.00 fee for each US bill payment you make. For more information about fees, please see here.

There is a $2.00 fee for each bill payment to a biller outside the US. For more information about fees, please see here.

You may make a US bill payment for up to $2,000 or an international bill payment up to $500.For more information about fees, restrictions and limits, please see here.

You may pay up to 15 bills in a calendar month.

1. Per transaction $500.00. 2. 15 per month

Not receiving credit does not necessarily mean the biller has not received the payment. Some billers cannot process third party originated bill payments quickly. You need to allow for sufficient time for your Payee to receive and process your payment. If you receive a late notice, call the Payee directly to ensure your payment and late notice did not -get lost in the mail. If your Payee still has not posted the payment to your account, please email us at customercare@mybambu.com or call us at (833)882-2628. A Bambu Visa ard payment would be credited faster if your biller accepts card payments.

If you believe there has been an error please contact us via chat, call us at (833)882-2628 or email us at customercare@mybambu.com.

While some ATMs allow for cardless ATM transactions, for ATM cash withdrawals you must use your plastic card.

The daily limit is $500.00 dollars. We may limit the amount of any individual ATM withdrawal Merchants, banks and ATM operators may impose additional withdrawal limits. For additional information on fees, please see here.

It is important that you report an ATM cash error immediately. If the ATM provided a receipt, keep it as it contains important location information. If you did not receive a receipt, make sure that you record the exact date, time, location and if more than one ATM at that location, the ID number of the ATM. Then call Bambu Customer Service at (833)883-2628 and we’ll work with the ATM owner to investigate the error.

Bambu’s fee is $2.00. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. For additional information on fees, please see here.

Bambu’s fee is $0.50 per inquiry. You may also be charged a fee by the ATM operator. For additional information on fees, please see here.

It is not permitted to use an ATM to deposit cash into your account.

This option is not currently available at this time.

Yes you can, and the fuds are available as soon as we receive authorization.

If your employer offers direct deposit you can have some or all your paycheck directed into your account at no cost. Simply provide your employer with the bank routing number and your account number and your paycheck will be deposited into your account and available on your normal payday.

You can find your direct deposit routing and account number in your profile. To access your profile, tap the menu button in the top left corner of the Bambu mobile app home screen, then tap your name or your photo and view “Direct Deposit Information.” For your convenience, you can also email that information to yourself directly from the app.

Generally, the funds are available at 8:00 a.m. ET on the day your employer or other payor instructs us to make your funds available.

1. Per transaction $9,999 2. 25 per month

There is no fee for direct deposit

Funds from your bank account may take up to 3 business days to be available based on the day and time of day you request the transfer. Your account balance will be updated when the additional funds are available.

You may transfer money out of your account to any US-based bank account. Select the “Bank Transfer” tile on the Bambu home screen. Make sure you select the option to move money from an outside bank account to your account (tap the arrows in the middle of the screen to switch “From” and “To”). You may only transfer money to an account that you’ve previously set up and validated with Bambu.

Funds from your bank account may take up to 3 business days to be available based on the day and time of day you request the transfer. Your account balance will be updated when the additional funds are available.

There are no fees for this type of transaction although. you may be charged a fee by the receiver bank. For more information on fees, please see here.

A fee of $0.85 plus up to 3% of the UDS converted transaction amount.

1. $500 per transaction . 15 per month

1. $500 per transaction 2. 15 per month

Tap the “Send Money to Friends” tile on the Bambu mobile app home screen, then tap “Send/Request Funds” to select a contact from your phone. You can enter in the amount you’re requesting and an optional message to that user.

In the My Bambu Mobile App click on "Send or Request Money."

It is usually available within a few minutes although it could take up to 15 minutes.

$1,000 10 times per day

Funds from your external bank account may take up to 3 business days to be available based on the day and time of day you request the transfer. Your Account Balance will be updated when the funds are available.

This is permitted.

1. To an external account per transcation $1,000 2. 4 per month

12:00pm Eastern Time

4:00pm Eastern Time

It is permitted to deposit approved checks. A third party, Ingo Money, Inc. and its bank partner, First Century Bank, N.A. provide this service.

1. Per transaction $1,000 . 15 transactions per month

The maximum amount of a check that can be mobile deposited is $1,000.

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