How to activate your physical card

Your card is ready to go. Activating it takes about a minute. You’ll verify an initial PIN we text you, then set your own 4-digit PIN for shops and ATMs.

• Your physical card
• Your phone with the number registered to your account — we send the verification PIN by SMS
• The Spendbase web app or the Spendbase mobile app (iOS or Android)

1. Sign in to the Spendbase web app and open Cards.
2. Select your physical card. You’ll see “Your physical card has arrived — set your PIN to start using it.” Click Activate physical card.
3. Step 1 — Verify PIN. We send a one-time PIN by SMS to the phone number ending in your registered digits. Enter it and click Verify PIN. (Didn’t get it? Click Resend.)
4. Step 2 — Set a new PIN. Create a 4-digit PIN for in-store purchases and ATM withdrawals. Avoid easy combinations like 1234 or 0000. Click Set PIN.
5. Done — you’ll see “Card activated. Ready for in-store and ATM use.”

You can change this PIN later anytime in Card details.

1. Open the Spendbase app, sign in, and open your physical card.
2. Enter your card PIN. Type the one-time PIN we send by SMS to your registered number, then tap Continue.
   • Entered the wrong code? You’ll see “Incorrect PIN” — re-enter it or request a new one.
3. Create your new PIN. Choose a 4-digit PIN for in-store purchases and ATM withdrawals. Avoid easy combinations like 1234 or 0000. Tap Continue.
4. Confirm your new PIN. Re-enter the same 4-digit PIN to confirm, then tap Confirm.
   • If the two entries don’t match, you’ll see “Incorrect PIN” — re-enter to confirm.
5. You’ll see “PIN successfully created.” Your card is now active.

Your PIN isn’t locked in. To change it any time — after activation:

1. Open Cards and select your card.
2. Go to Details → Change PIN.
3. Enter and confirm your new 4-digit PIN.

• Never share your PIN with anyone — Spendbase will never ask for it.
• Avoid obvious sequences (1234, 0000, birth years).
• Memorise it rather than writing it down.