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General FAQ

Updated

This section contains the following questions

Where can I withdraw cash?

You can withdraw cash with your physical debit card at any eligible US ATM in the Allpoint, Visa, Plus, Interlink, or Accel networks. To find an ATM near you, visit our ATM finder. 

ATM withdrawals are free at any Allpoint ATM or $2.50 at other ATMs.

 

Can cards be used outside of the United States?

Yes, you can make purchases with your cards while traveling outside of the United States anywhere Visa® is accepted.

 

What are the limits for cash withdrawals?

There is a daily withdrawal limit of $1,000.

 

What are the limits on single or daily purchases?

There is a daily limit of $5,000 on card purchases (the limit resets at 7:00 p.m EST daily).

 

What if I forgot my card PIN?

Please reach out to our support team to reset your card PIN.

 

How do I dispute a transaction on a card?

In order to dispute a transaction made on a card, please contact our support team with the following information:

  • The transaction ID number: 
  • Reason for the dispute:
  • Date of transaction:
  • Amount:
  • Screenshot of transaction details

 

Are there any prohibited merchants?

Crowded prohibits its card from being used for any illegal activity, internet gambling and retains the right to refuse transactions.
You must not use your account for any illegal purposes or, regardless of whether it is legal or illegal, for online gambling of any sort, including any betting transaction, purchase of lottery tickets, casino chips, or off-track betting and wagering. 

We may deny any transaction or refuse to accept any deposit that we believe is related to illegal activity, online gambling, or for any other reason at our discretion. However, in the event that a charge or transaction described in this section is approved and processed, you will still be liable for the charges.

What do I do if my card gets denied?

If your card gets denied, please make sure that:

  1. Your debit card has sufficient funds to make the purchase
  2. The merchant accepts Visa® cards
  3. Your purchase is with an accepted merchant - see more
  4. You have not hit the daily purchase limit for your card ($5,000 daily for Expense cards)

If your purchase was not rejected for one of the reasons stated above, please reach out for additional support.

How do I dispute a transaction on a card?

If you notice a transaction that you do not recognize, first verify whether the charge could be associated with a merchant you have interacted with previously.

Please note that unauthorized transactions do not include situations such as forgotten purchases or subscription renewals. If the transaction is related to a subscription, service, or merchant you previously authorized, you will need to contact the merchant directly for assistance with the charge or cancellation.

If you would like to dispute a transaction, please contact the dispute hotline:

Visa Dispute Hotline: +1-855-681-9411

A representative will guide you through the dispute process and provide the next steps.

How do I cancel a card?

*Only account admins can cancel cards.

Who can see transactions made on Expense cards?

Account Owners, Admins, and Read-Only users can review all transactions made on all organizational cards, while contacts can only view transactions made on their Expense card

What is the On hold balance?

On hold funds are shown beneath your available balance on your Crowded dashboard whenever a portion of your funds is temporarily unavailable. 

The on hold balance provides visibility into your available funds. Below are the most common reasons funds may appear on hold:

  1. Merchant authorization (card hold)

The authorization process is a step in completing a card transaction. During authorization, the merchant receives your information and verifies that the card is valid and that you have sufficient funds to cover the transaction amount.

Crowded cannot prevent the merchant from charging authorized holds. Once the authorization is approved, the merchant may either complete the charge or cancel it depending on their own policy.

If the authorization is not released by the merchant, it will be automatically released after 31 days from the initiation date. Please reach out to the merchant to request additional information about the hold.

  1. Check Deposit Under Review

Funds from a recently deposited check may be placed on hold while our compliance team completes the review. This is a standard process to help protect your account.

Please allow up to 5 business days for the check to clear. Once the review is complete, your funds will be released automatically.

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