@New-Strawberry-Dormouse-3998952209#245911 You don't add money to your card, but you add money to your account, just like with any other bank. So yes, you first have to add money to your account before you can use the card. Otherwise: where would the money come from? It's a debit card, so the money is deducted from your account immediately, and not at the end of the month like with credit cards.