Debit cards for
people you trust.

No. Dinero is a financial technology company, not a bank. Cards are issued and your funds are held by our partner bank through Increase, our banking and card-issuing provider.

You do. Money you add is held at our partner bank to back the cards you issue. It stays reserved for those cards, and you can withdraw anything unspent back to your linked bank anytime.

You set rules per card: a spending limit, a per-transaction cap, allowed or blocked categories, and whether purchases over the limit need your approval. Every swipe is checked against those rules and the available balance in real time, so a card can't overspend.

They can send you a spend request right from their card. You get a notification to approve or deny it, and an approved amount clears on their next purchase, so you never have to permanently raise their limit.

Every card is virtual the moment you create it and goes straight into Apple Wallet or Google Pay. You can also add an optional physical card per person; it ships to you or them, and they activate it by setting a PIN in the app.

Yes. Freeze, unfreeze, or cancel any card instantly from your phone or the web dashboard.

Yes. The same person can receive a card from each person they're connected to, like a nanny who works for two families, and the same account can both issue and receive cards.

No. Cardholders only see the card and the balance available to them, never your bank account or your other cards.

We verify identities through Stripe Identity and share only what's required with our bank partner for compliance. We never sell your data. We never store full card numbers, security codes, or PINs; PINs go straight to the issuer and are never saved by us.