THE DEBIT CARD
Is this a debit or credit card?
Ugami will offer both debit and credit cards. Our Debit card is available now! Credit Cards will be available soon.
How is the Ugami Card different from a traditional debit card?
Ugami it’s a card made by gamers for gamers to earn rewards. But it’s also a mobile app that allows you to play games for rewards, learn more about personal finance, and manage your funds safely. We also have an online store stocked with all gaming products, from games to hardware and more. We’re here for you to pay and play like the pros with the Debit Card for Gamers. It’s a gamer’s dream!
Are there different types of Ugami Debit Cards?
Yes. We offer an Ugami Debit Card and a Boosted version. The main difference is that the Boosted Card will allow you to have an accelerated Ugipoints earning rate of 4X. The Boosted card also enjoys different experiences and exclusive access to perks within the App. The monthly fee for the Boosted Card is $9.99.
Is there a minimum age?
You need to be 18 years old or older to use the Ugami credit card. However, teens between the ages of 13 and 17 will be able to use our Ugami debit card through a teen account that allows parents or legal guardians to sign up their teens for a personal debit card and managed checking account. We’re working on expanding our teen-specific financial solutions.
What do I need to sign up?
Basic information needed to verify your identity and sign up for an account includes:
- Email address
- Mobile phone number
- Legal first and last name
- Mailing address
- Date of birth
- Social Security number (SSN)*
*For more information on why we ask for your SSN, learn more about the U.S. Patriot Act here.
Can I sign up for a joint account?
We offer personal debit accounts for individuals and, in the near future, teen accounts that allow parents or legal guardians to sign up their teens for a personal debit card and managed checking account. Debit accounts can be boosted and earn 4X the rewards rate.
How much does it cost?
Zero! Zip! Nada! Absolutely nothing! The Ugami Debit Card will not charge any monthly, overdraft, minimum, or service fees. We do charge one fee of $2.50 if you get cash from an out-of-network ATM that is not part of Ugami’s fee-free network of 55,000+ ATMs.
To learn how to check which ATMs are within our network, please visit our ATM locator in the app. Keep in mind, that a $5 physical card replacement will be charged if you lose your card.
Where is the Ugami card accepted?
Ugami cards can be used almost* anywhere Visa is accepted, online and in-store. Ugami cards may also be used internationally in over 150+ countries, with no foreign transaction fees.
Do you earn cash back with the Ugami cards?
Yes. We are working to get the cash-back feature available. In the meantime, Ugami cardholders will have the opportunity to earn Ugipoints and redeem them for the wide variety of products available in our Ugami Store. To find out all the different ways you can earn Ugipoints, visit our store.
How long will it take for my physical Ugami Debit Card to arrive?
Ugami Cards may take about 7-10 business days to arrive after the Application has been Approved.
How can I add money to my account?
To enjoy all the benefits that come with being an Ugamer, you’ll want to add money to your Ugami account to use your cards and earn rewards. You’re able to add money to your account in several ways, one of the easiest being to set up a direct deposit with your employer or a similar fund source.
You can set up direct deposit with your employer either in-App, when opening your account or through the settings screen, or by providing your account and routing numbers directly to your employer or payroll provider.
If you’d rather add funds another way, you could link an external bank account. You can add your other bank accounts to Ugami if they’re supported by Plaid. This allows you to initiate ACH transfers from that bank to Ugami so you can fund your account at your leisure.
Also, you could use a 3rd Party App/Instant Transfers. Some apps such as Venmo, Cash App, DoorDash, etc. allow you to “cash out” your balance instantly, sending the funds through debit instead of ACH which allows your money to appear in your account faster. You can add your Ugami card to any 3rd party App that allows for it, and instant transfers of your balance to the card should arrive immediately. Please check with the sender of the funds for more specific timing information.
Please note that currently, we do not accept wire transfers. Deposit cash in nearby merchants is a functionality that will be available soon.
Will my funds be FDIC insured?
Yes, your account is entitled to up to $250,000 of pass-through deposit insurance coverage from the FDIC through our Debit Card issuing bank, Blue Ridge Bank
Are Virtual and Physical different Debit cards?
The Ugami Debit Virtual and Physical debit cards serve the same purpose of making payments, with one minor distinction between them – virtual cards are mostly intended for Pay (s) use and online purchases, while physical cards can be used in person as well, including ATM. Worth noting that both are linked to the same checking account.