How to Transfer Money from a DoorDash Card to a Bank Account: A Dasher’s Guide

So, you’ve been dashing, racking up those earnings on your DoorDash card, and now you’re wondering how to get that hard-earned cash into your good old bank account? Unfortunately, transferring money directly from a DoorDash card to a bank account isn’t a straightforward process, as DoorDash doesn’t offer this option directly. However, several reliable workarounds exist to get the job done. We’ll explore these methods to get your earnings where they belong.

Understanding the DoorDash Card System

The DoorDash card, often a prepaid debit card, is primarily designed for Dashers to cover order expenses when required by the delivery. It’s not intended as a primary vehicle for receiving and managing earnings. DoorDash usually pays Dashers through direct deposit, but the card may hold funds due to various situations like adjustments or reimbursements.

The Key Workarounds for Transferring Funds

Since a direct transfer from the DoorDash card isn’t possible, you’ll need to use intermediary steps. Here are the most common and effective methods:

1. Using a Payment App (PayPal, Venmo, Cash App)

This method involves using a payment app that allows you to add a debit card and then send money to yourself or someone you trust.

• Add Your DoorDash Card: Link your DoorDash card to your PayPal, Venmo, or Cash App account as you would any other debit card. You’ll typically need the card number, expiration date, and CVV.
• Send the Funds: Once the card is linked, use the app to send the desired amount to your own account or a trusted friend or family member. If sending to someone else, they can then transfer the funds to your bank account.
• Withdraw to Bank Account: Finally, withdraw the funds from your PayPal, Venmo, or Cash App account to your bank account. This typically takes 1-3 business days, although instant transfers are often available for a fee.

Important Considerations: Be aware of potential fees associated with adding a debit card to these apps or for instant transfers. Also, large transfers might trigger verification requirements from the payment app, so be prepared to provide identification if needed.

2. Withdrawing Cash and Depositing it

A more traditional but often less convenient method is to withdraw cash from an ATM and then deposit it into your bank account.

• Find an ATM: Locate an ATM that accepts your DoorDash card’s network (usually Visa or Mastercard). Check for fees before proceeding.
• Withdraw Cash: Withdraw the desired amount, keeping in mind daily withdrawal limits set by the card issuer or ATM.
• Deposit into Bank Account: Deposit the cash directly into your bank account at your bank branch or through an ATM deposit feature.

Important Considerations: ATM fees can add up, so try to find a fee-free ATM if possible. Also, carrying large amounts of cash can be risky, so deposit the money as soon as possible.

3. Purchasing a Money Order

Another option, although less common, is to purchase a money order with your DoorDash card and then deposit it into your bank account.

• Purchase a Money Order: Go to a location that sells money orders, such as a post office, grocery store, or convenience store. Pay for the money order with your DoorDash card.
• Make the Money Order Payable to Yourself: Fill out the money order, making it payable to yourself.
• Deposit into Bank Account: Deposit the money order into your bank account.

Important Considerations: Money orders have associated fees, so factor that into your decision. Additionally, money orders can sometimes take a few days to clear, so don’t expect immediate access to the funds.

4. Transfer to a Prepaid Card and then to Bank Account

While it adds an extra step, you can transfer the funds from your DoorDash card to another prepaid debit card and then link that prepaid card to your bank account for eventual withdrawal.

• Link DoorDash Card to Prepaid Account: Similar to PayPal or Venmo, you would first link your DoorDash card to the prepaid card account.
• Transfer Funds to the Prepaid Card: Transfer the desired amount to the prepaid card.
• Link Prepaid Card to Bank Account: Now, link the prepaid card to your bank account via the prepaid card platform, or through an intermediary app like PayPal.
• Withdraw from Bank Account: Withdraw the funds from your bank account once the transfer to the prepaid card is complete.

Important Considerations: This method involves potential fees and extra steps. It’s typically only advisable if other methods aren’t feasible due to limitations or high fees.

Choosing the Best Method for You

The best method for transferring funds from your DoorDash card to your bank account depends on several factors, including:

• Fees: Compare the fees associated with each method, including ATM fees, payment app fees, and money order fees.
• Convenience: Consider the ease of use and accessibility of each method. Using a payment app is usually the most convenient, while withdrawing cash may be less so.
• Speed: How quickly do you need the funds? Instant transfers are available with some payment apps, but they usually come with a fee.
• Security: Ensure you’re using secure methods and protecting your card information.

FAQs: Transferring Money from a DoorDash Card

1. Can I directly link my DoorDash card to my bank account for automatic transfers?

No, DoorDash does not offer a direct transfer option from the DoorDash card to a bank account. You must use one of the workarounds described above.

2. Are there any fees associated with using a payment app like PayPal to transfer money from my DoorDash card?

Yes, there are often fees. PayPal, Venmo, and Cash App may charge fees for adding a debit card, for instant transfers, or when the transfer is funded by a debit card instead of your balance. Check the app’s fee structure for current rates.

3. What if my DoorDash card doesn’t have enough funds to cover the transaction fee?

Ensure your DoorDash card has sufficient funds to cover both the amount you want to transfer and any associated fees. Otherwise, the transaction will be declined.

4. How long does it typically take to withdraw money from PayPal, Venmo, or Cash App to my bank account?

Standard transfers typically take 1-3 business days. Instant transfers are usually available for a fee and can be completed within minutes.

5. Are there daily or monthly limits on how much I can transfer from my DoorDash card?

Yes, limits may apply. The DoorDash card itself likely has daily spending or withdrawal limits. Additionally, payment apps and ATMs often have their own daily or transaction limits. Check the terms and conditions of each service.

6. Can I use my DoorDash card to pay bills directly?

In theory, yes, you can use the DoorDash card to pay bills online or over the phone if the biller accepts debit card payments. This effectively uses the card’s balance, but it’s not a direct transfer to a bank account.

7. What happens if I lose my DoorDash card?

Report the lost or stolen card to DoorDash immediately. They can cancel the card and issue a replacement. Be aware that there might be a fee for replacement.

8. Can I use my DoorDash card at an ATM outside the country?

It depends on the card’s terms and conditions. Check if your DoorDash card is accepted internationally and whether foreign transaction fees apply.

9. My DoorDash card is a prepaid debit card. Does that affect the transfer process?

No, it doesn’t significantly change the process. The steps for transferring funds using payment apps or withdrawing cash are the same as with any other debit card.

10. What if I don’t have a bank account? Can I still access my DoorDash earnings?

If you don’t have a bank account, you can use a prepaid debit card or a reloadable card. You can transfer the funds onto those, and then use the card anywhere debit cards are accepted. Also, you can withdraw the cash at an ATM and use it to pay for items and services. Opening a checking account is also an option to consider.

11. Is there a DoorDash support line I can call for help with my card?

Yes, DoorDash has a Dasher support line that you can call for assistance with your card. You can find the contact information in the Dasher app.

12. Is there a way to avoid these transfer hassles altogether?

The easiest way to circumvent these challenges is to ensure your DoorDash earnings are deposited directly into your bank account via direct deposit. Confirm your direct deposit information is accurate in the Dasher app to prevent funds from accumulating on the card. Also, keep minimal balance on the card.