The smiONE card allows you to receive your child support payments without a bank account, but you'll need to transfer your benefits to a bank account to better manage them.
There's one unfortunate thing with the smiONE card, however—it doesn't offer any direct method to transfer funds to a bank account, and you'll only have to rely on indirect methods to transfer your funds.
In this guide, I will show you how to transfer money from your smiONE card to your bank account.
Can I Transfer Money from smiONE Card to My Bank Account?
Yes, you can transfer money from smiONE card to your bank account, but not directly. This is because the smiONE card does not feature any option to transfer money to your bank account.
However, there are some indirect ways to transfer funds from your card to your bank account, and if you've ever used alternative methods to transfer funds from your prepaid card to a bank account, you should be familiar with some of the options.
How to Transfer Money from smiONE Card to My Bank Account
Though you can't directly transfer money from smiONE card to your bank account, you can use some indirect methods to complete the transfer.
We will be exploiting two features offered by smiONE card and use as a bridge to complete transfer.
This feature is the ability for you to link your card to a mobile wallet and to make ATM withdrawals with your card.
1. Add Your smiONE Card to a Mobile Wallet
You can add your smiONE Card to your Google Pay, Apple Pay, or Samsung Pay mobile wallet for quick and secure checkout with your card, according to smiONE card support.
I'll take an example with Google Pay for your best understanding.
You can use your smiONE card to add money to your Google Pay balance or Apple Wallet.
Once the funds arrive in your Google Pay balance, you can then link your bank account to your Google Pay account and withdraw funds from Google Pay to your bank account.
As per Google Payments Terms of Service, you can save and manage various kinds of payment methods in your Google Account (collectively, 'Payment Methods'), including: Payment cards such as credit, debit, and prepaid cards ('Payment Cards').
Here is how to add your smiONE card to Google Pay and withdraw funds to your bank account
- Signup for Google Pay.
- Tap your profile icon on the top right of the home screen.
- Tap on your Google Pay balance.
- Tap +Add money.
- Enter the amount you want to add.
- Minimum amount is $10.
- Tap Next.
- Enter your smiONE card details.
- Finally, tap Add and the funds will be immediately available in your Google Pay balance.
Keep in mind!
To add money to Google Pay via a payment card, you need to setup Google Pay to Pay business.
Once the money arrive into your Google Pay balance, you can now transfer the money from Google Pay balance to bank account.
- Open your Google Pay app.
- Tap your profile icon on the top right of the home screen.
- Below your profile, tap Google Pay balance.
- Hit Transfer out.
- Enter the amount to transfer and tap Next.
- Choose a payment method.
- Tap Transfer out.
2. Use an ATM to Transfer Money from smiONE Card to Bank Account
The smiONE card lets you withdraw money from a MoneyPass ATM without fees, but there is a $2.50 fee to withdraw cash from a non-MoneyPass ATM.
Even if you do not complete a transaction, third-party ATM operator fees may apply.
Here's the trick — Once you withdraw the money from the ATM, you can then deposit the money into your bank account. This process is even simpler than the previous method and the only hassle is to go to an ATM to complete the transaction.
What Bank is Affiliated With smiONE?
The Bancorp Bank, under license from Visa U.S.A. Inc., issues the smiONETM Visa® Prepaid Card, which is accepted anywhere Visa debit cards are accepted.
Does smiONE Charge any Fees?
Yes, smiONE charges fees for their Circle Card. If you need to use it at an ATM as shown through the second method above, you'll be charged a fee of up to $2.50 for any out-of-network withdrawal.
Does smiONE Have a Virtual Card?
Yes, it does have a virtual card.
The Virtual smiONETM Visa® Prepaid Card allows users to load money onto an existing card or access funds instantly by signing up online.
Does smiONE Work on Apple Pay?
Yes, smiONE does work with Apple Pay, and you can link your card directly to your Apple Pay wallet.
Is the smiONE Card Safe?
The smiONE Card uses innovative chip technology to generate a one-time code for each transaction, guaranteeing that your funds are kept safe.
Additionally, they have a sophisticated Fraud Engine that works around the clock to prevent fraudulent transactions from taking place with your account.
So simply put, smiONE card is safe.
Frequently Asked Questions
How do I get money off my smiONE card?
You can use your smiONE card at an ATM to get money off it. At MoneyPass ATMs, there is no price to withdraw money; nevertheless, at non-MoneyPass ATMs, there is a $2.50 fee. Even if you don't complete a transaction, third-party ATM operator fees can still be charged.
Can you transfer smiONE card?
You cannot transfer the ownership of the smiONE card. However, you can use the funds on the card on Apple Pay or Google Pay or even withdraw it at an ATM.
Can I add cash to my smiONE child support card?
Yes, you can. You can use the card's free direct deposit service to have your paycheck, tax refund, unemployment benefits, or other regular payment automatically loaded to your smiONE card account.
Final Thoughts
The smiONE Visa Prepaid Card, also known as the Texas Payment Card, is a convenient way to receive child support payments without the requirement for a bank account.
It's a prepaid card that works like a VISA debit card and may be used anyplace VISA debit cards are accepted.
smiONE doesn't feature any direct process to transfer funds from smiONE card to a bank account.
This makes transferring money from smiONE card to bank account tricky and even impossible for many.
Hopefully, this article compiles all you need to know when trying to transfer money from smiONE card to a bank account.