For gas stations, a temporary pre-authorization hold (usually around 15-20%) is placed on your Dutch card. This is a standard practice to ensure you have enough funds to cover the purchase. It's not a charge and will 'settle' within approximately 10 business days (7 business days for gas stations). We recommend requesting a specific dollar amount inside the gas station or selecting a lower pre-authorization maximum at the pump to avoid any inconvenience.

Yes! You can fund your account and spend at $0 cost to you! However, we do charge a $1.50 fee for both e-transfers and bill pay. We’ll also be rolling out a premium version that will have a monthly subscription fee.

Dutch is a way to create a shared spending account for you and whoever you need to split expenses with. You each get a prepaid reloadable Mastercard to spend your shared balance.

We say it’s for people you live with for household expenses but you really can use it with anyone. Could be traveling, or your weekly softball league. Possibilities are endless.

You can use your Dutch virtual card anywhere that accepts Mastercard.

We don’t recommend sharing an account with anyone you don’t trust 100%.

But to be safe we added a few safeguards, for example you can’t e-transfer out of your account without the approval of everyone who is on your Dutch wallet.

We have also included a monthly spending limit set by the users to avoid any overspending. With physical cards, we don’t allow for ATM access to prevent any unsavoury actions.

Yes! However, everyone who shares your balance with you has to approve the transfer before it goes out.

If you need a physical card for things like gas, or tapping with your phone doesn’t cut it. You can request one in your wallet settings.

We only issue physical cards by request as an effort to reduce plastic and paper waste.

Your Dutch cards are prepaid cards, but when asked “debit or credit” just say credit and get to tapping.

Yes, since we’re a new company we do have some limits but are working to increase and manage these as our userbase grows.

Maximum card balance: $10,000

Minimum load to card: $10

Maximum daily load limit: $5,000

Maximum card to card transfer amount per transaction: $5,000

Maximum daily spend at point-of-sale: $5,000

Maximum number of point-of-sale transactions / day: 10

Maximum daily spend: $5,510

Unfortunately, ATMs are off-limits when it comes to using your Dutch Card. We've put this restriction in place to ensure that your funds stay safe and sound, without any unexpected surprises. Rest assured, we've got plenty of other convenient ways for you to use your Dutch Card, so you can keep on spending with peace of mind.

Heads up! Some restaurants, hotels, car rentals, and service-related merchants may add an extra 20% (or more) as a pre-approval hold to cover potential tips. But don't worry, you'll only be charged for the actual amount you sign for at the end. To avoid any issues, make sure you have at least a 20% higher balance on your Dutch Card. If the total exceeds your balance, it will be declined. Just let the merchant know in advance if you want to use another payment method for the difference.

If you ever find yourself in the unfortunate situation of losing your Dutch Card or suspecting it has been stolen, don't worry—we've got you covered. Simply get in touch with our friendly "Card Service" team at 1-855-342-6924 to report the incident and request a replacement. Please note that a replacement fee and verification process may apply.