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Green Dot review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Green Dot's Unlimited Cash Back account pays 2% back on spend and has a monthly fee of $0. It suits US customers who want a plain Visa debit account with something back each month, and less so anyone who spends heavily in other currencies.

Key facts

Best for
A US debit account with cash back and no monthly charge.
Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
3% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
2% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Support channels
Help-centre, Chat (Source, checked September 26, 2026)
Official website
greendot.com

Credit cards

Currency conversion fee
3% (Source, checked September 26, 2026)
Support channels
Help-centre, Chat (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Monthly fee of $0 on the Unlimited Cash Back account.
  • Cash back of 2% paid on spending.
  • The card runs on Visa, the network on 58.6% of the cards compared.
  • Support runs through help centre and chat.

Cons

  • A currency conversion fee of 3% ranks 218 of 259 brands, above the site median of 1%.
  • Support runs on help centre and chat only, with no phone line listed.
Green Dot

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • US customers who want cash back on everyday spending and a monthly fee of $0.
  • Readers who mostly spend in the US and can live with a 3% conversion fee.
  • Anyone who wants a Visa debit card and is content to sort support online.

Who should look elsewhere

  • Wise, for readers who want cheap conversion abroad, since 3% on currency conversion is the reason to look elsewhere.
  • Starling Personal Account Debit Card, for anyone who wants a standard current account with a monthly fee of £0 rather than cash back.

How it compares on our data

On our data Green Dot sits at 1 of 419 brands on monthly fee, which is as strong a showing as the ranking allows. On currency conversion it drops to 218 of 259 brands, so the measures pull in opposite directions and the weaker one shows where the cost bites.

Fees and FX

The Unlimited Cash Back bank account carries a monthly fee of $0, so there is no account charge to keep an eye on. The currency conversion fee is 3%, and that is the number to check against your own spending: a low monthly fee buys little if most of your card use happens in another currency.

How Green Dot compares

Where Green Dot is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Green Dot charge a monthly fee?+

The Unlimited Cash Back bank account has a monthly fee of $0, so keeping it open costs nothing in account charges. Compare that with the same line at Wise, £0, and Starling Personal Account Debit Card, £0. The account charge is not where this pick is won or lost.

What is the currency conversion fee and how does it rank?+

The currency conversion fee is 3%, and on that measure Green Dot ranks 218 out of 259 brands in the data used here. That sits well down the field, so the card works out costly the moment you spend in a currency other than dollars.

Does the account pay cash back?+

Yes. Spend on the account and you earn 2% back, which is the main reason to hold it rather than any fee saving, since the monthly fee of $0 matches plenty of rivals. Cash back suits readers who keep the card for everyday purchases.

Is it a debit card, and which network does it run on?+

The card type is debit, so spending comes straight out of a bank balance rather than a credit line. It runs on the Visa network, the network behind 58.6% of the cards compared here, so the card is the kind most shops and cash machines already take.

How do I get help with the account?+

Support runs through help centre and chat, so questions are handled in the help centre or in live chat rather than on the phone. For an account where the questions tend to be about cash back and fee charges, that setup keeps day to day help online.

Where does Green Dot sit among the cards compared?+

It ranks 1 of 419 brands on monthly fee, the strongest position on that measure, and its monthly fee of $0 matches the site median of €0. On cost overall, the score recorded for this page is 3.7.

Who does this account suit?+

It suits US customers who want a debit account with cash back and a monthly fee of $0, and who are comfortable being a single market spender. Readers who convert money often should weigh up a cheaper currency conversion fee before settling on this card.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Green Dot

Green Dot

A US debit account with cash back and no monthly charge.

8.9/10See alternatives