How to Get a Physical Debit Card in Digital Banking?10 min read

How to Get a Physical Debit Card in Digital Banking?10 min read

Managing finances has become more convenient than ever due to digital banking. Online banking platforms enable you to deposit checks and pay bills and transfer money from any location using simple phone taps. 

The digital banking experience runs smoothly but some users maintain a need for physical debit cards during particular transactions. 

This article discusses the process of obtaining a physical debit card through your digital banking account.

Can I Get a Physical Debit Card with a Digital Banking Account?

The vast majority of digital banking platforms enable users to order a physical debit card. These accounts initially function with virtual cards because their main use is online and mobile banking. Major digital banks all provide clients with the option to obtain a physical card when necessary.

At The Kingdom Bank you can choose from both virtual and physical debit card services. Digital banking platforms provide new customers with automatic access to virtual cards for online shopping and ATM transactions. Customers have the option to order a plastic card when needed. 

A physical card functions the same as any standard debit card which allows usage wherever card transactions are accepted.

Digital banking focuses on a seamless online experience but it still allows customers to obtain physical cards from their providers. 

You can request a physical card by either sending a request through your digital account or by reaching out to customer support.

We now know how to get a physical debit card connected to your digital banking account so let’s proceed to understand the steps needed to request one through your online portal. 

The steps are usually quite straightforward:

1. Log in to your online account

Access your chosen digital bank’s website or app such as The Kingdom Bank to reach your account dashboard by logging in.

2. Locate the “Cards” or “Payments” section

Access the debit card management area within your account settings to handle cards connected to your profile.

3. Click “Order physical card”

You will find a button or link here that enables you to start a request for a plastic card.

4. Enter delivery details

Enter your full mailing address so the card can be sent directly to you. Double check for accuracy!

5. Review order and submit

Scan the details one last time. Press the button to finalize your request once everything appears correct.

6. Wait for arrival

Standard delivery takes 1-2 weeks on average. Track status online or through email updates.

You can now have a physical card delivered to your address with just a few clicks from your couch! Digital banks streamline their procedures to minimize user inconvenience.

Do I Need to Pay for the Physical Debit Card in Digital Banking?

Policies for physical debit card fees at digital banks differ across providers. 

Some key points:

• New customers receive their first physical card at no cost from many digital banks as a welcoming gesture.
• Once you receive your free initial card you will encounter a minor fee of $5-10 when ordering replacement cards or additional ones.
• Providers eliminate card fees completely when customers keep a minimum balance or perform a set number of monthly transactions.
• Digital banks charge a fixed annual fee between $10 and $20 irrespective of the number of physical cards you request in that period.
• While delivery fees are normally included in the total price customers pay they may incur additional charges for express shipping if they want their order delivered sooner.

You won’t have to pay extremely high prices to obtain the plastic card convenience. Digital banks strive to maintain low operational costs as a strategy to draw customers. 

Potential fees for card replacement may arise after initial purchase.

How Long Does It Take to Receive a Physical Debit Card from a Digital Bank?

Delivery duration for a physical debit card you request through your digital bank account depends on both the bank provider and your delivery location. The delivery time for most cards averages between 7 and 10 business days.

Some key factors that influence delivery speed include:

• Sending debit cards domestically within a country happens much quicker than shipping them internationally.
• UPS and FedEx provide quicker delivery options compared to basic mail services.
• Standard shipping takes approximately 1-2 weeks but expedited/rush shipping methods can deliver in 3-5 business days.
• The production and delivery times for debit cards from bigger national banks take longer than those from fintech digital banks.

The majority of customers can expect their new plastic debit card to reach them through standard delivery in under two weeks. 

Customers who need their items sooner can opt for faster shipping services.

Is a Physical Debit Card Available for All Digital Banking Accounts?

While the majority of digital banking providers do offer physical debit cards, availability may depend on a few factors:

• Personal bank accounts typically allow physical cards while select business accounts are accessible only through digital means.
• International banks face shipping restrictions for cards because of regulatory requirements.
• Some digital banking accounts with reduced fees offer exclusively virtual cards to keep costs low.
• A select few fintech-driven digital banks currently opt to avoid providing physical cards to their customers.

Always verify through your digital bank’s website or reach out to their support team to confirm details. When enrolling users The Kingdom Bank immediately verifies their eligibility for physical cards.

When you open a basic personal checking or savings account with complete transaction features you likely can add a plastic debit card. Choose providers who explicitly advertise available physical card options to minimize compatibility concerns.

Today’s extensive digital banking adoption makes it ideal to have both physical cards and virtual payment methods available. 

Plastic cards maintain their necessity and preference across multiple payment scenarios despite the rising popularity of online and mobile payment systems.

Most accounts allow users to obtain a physical debit card that enhances their digital banking experience at minimal cost and effort. 

Customers can easily order a card from their online dashboard on any major online bank.

Inquire about account upgrades from The Kingdom Bank or another provider if you need ATM cash access, make in-store payments or require an alternative payment method. You will receive a physical card within two weeks to improve your digital banking services.