Whatâs a Crowded Per Diem account?
Setting up your Crowded profile
A Crowded Per Diem account is an online account where staff members can easily access their funds, and spend them however they wish! The funds in a Per Diem account are automatically tied to a digital debit card that can be added to any virtual wallet and used anywhere globally (where Visa is accepted).
Fun features
- Free & instant internal transfer between staff accounts (e.g. Venmo!)
- International transfer features
- Cards work anywhere in the world where Visa cards are accepted
1. Find the sign-up link your camp has sent you to join Crowded (if youâve been pre-registered skip to step 2). The registration link for Crowded may be in your email, text message or however your camp is communicating with you.
Once you click on the registration link, youâll be asked a few basic identifying questions. Fill in and verify your email. Then provide your legal full name, phone number, and date of birth. And now youâre registered!
Tip: Even if you get a local US phone number for the summer, itâs best to sign up to Crowded with your home cell phone number. Youâll be able to receive the verification code through WhatsApp (this is especially important for after camp ends!)Â
2. Download the Crowded app from the Apple App Store or Google Play Store. If your camp has already pre-registered you, simply log in with your phone number.
3. Once youâve downloaded Crowded, youâll be prompted to provide some details and create a 4-digit PIN code. Please keep a record of this PIN.
Add a Per Diem card to your virtual wallet
1. Once youâre in the account, youâll see the digital debit card tied to your Per Diem account. To add your digital card to your virtual wallet, go to the main dashboard and select âDetails,â then click the âAdd to Apple Walletâ or âAdd to Google Walletâ icons.
Note for May/June 2024:
We expect to release the automatic âAdd to Walletâ button youâre used to in the coming weeks. In the meantime, to add your new Crowded card to your virtual wallet, please select to add the new card manually and enter all the details: the card number, expiry date, and CVV.
At the end of the setup, you’ll be prompted to âverify’ the new card and choose the method. Please select the text message option. You’ll receive a one-time passcode to your phone. Enter the code and youâll be good to go!
2. Set up biometric recognition for easy logins (if your phone allows) by clicking on âMoreâ on the main dashboard of the app. Then select âSecurityâ and enable facial recognition or fingerprint authentication. If you already have biometric recognition enabled on your phone, it will connect automatically.
Tip: Setting up facial or touch recognition is especially important if you wonât have access to your home cell phone number while abroad.
3. Start spending your funds from your phone!
Crowded Per Diem account best practices
âď¸ Checking your balance
Log in to the Crowded app â you can view your current balance from the main dashboard.
đ° Getting cash
You can withdraw cash at any All Point ATM with a physical debit card for free.
đł Using your card
Tap to pay at any store or restaurant with your phone, or use the card online. Cards can be used anywhere VisaÂŽ is accepted.
đą Mobile app
Use the app to track your spending, report your card if lost or stolen, and transfer money to an external bank account or to your fellow staff members.
Highlighted cardholder fees
Cash deposit: 0.50%
In-network cash withdrawal: FREE
Out-of-network cash withdrawal: $2.50
Mobile check deposit: $5.00
International debit card usage: 1%, VisaÂŽ Exchange Rate
International Transfers: $15 + 1%
* Relevant for the USA, please see the pricing page for the full fee schedule.
** The above fees are subject to change as per our Terms and Conditions and pricing page
How to transfer money abroad
Crowded has partnered with Visa to enable international staff to send their money home with Visa Direct in-app! Send money directly to a Visa debit or credit card to transfer any remaining funds at the end of the summer.
1. Log into the Crowded app and select âTransfer Moneyâ and select the option to pay to card.
2. Input your home debit or credit card information:
- Full name on card
- Card number
- Expiration date
- CVV
- ZIP code
- Currency
3. Choose how much money youâd like to transfer. If youâd like to empty all the money left in your account click the âSelect Max Amountâ button.â
4. Check everything over, and if all the details are correct, submit the transfer!
The cost of using this service includes a $15 flat fee and 1% of the total transfer amount.Â
For more information about Crowded international transfers, read here.
How to transfer money to an external US bank account via ACH
1. From the Crowded main dashboard, click on âTransfer Moneyâ.
3. Choose âOutside of my Groupâ to make an ACH transfer to an external bank account.
4. Click âAdd Recipientâ and provide the necessary information for the recipientâs bank account (ie. routing number, account number, account type).
5. Once you enter the recipientâs bank information, click âAddâ.
6. Complete the verification process by entering your 4-digit Crowded pin code for added security.
7. After successfully adding the recipient bank account, select it as the destination for your transfer.
8. Enter the amount you wish to transfer from your Per Diem account to the recipient’s bank account.
9. Double-check the details and confirm to finalize the transfer. Funds normally take 1-2 business days to clear.
How to transfer money to another staff member
1. From the Crowded main dashboard, click on âTransfer Moneyâ.
2. To transfer money to another counselor, click the âWithin my group option.â
3. Select the Crowded member youâd like to transfer to.
4. Enter the amount for the transfer, and a few words for reference.
5. Double-check the details and click âPayâ to finalize.
FAQs
What are Per Diem accounts?
Your camp has set up a Per Diem account for you in order to pay you your salary. A Per Diem account is a type of banking account that is set up for the benefit of a specific individual or entity. What's important for you to know? You are the beneficiary of this account, and all funds sent to this account belong to you.
Where can I use my digital or physical card?
Your cards can be used worldwide anywhere where VisaÂŽ cards are accepted.
What should I do if my card has been stolen or lost?
Log in to your Crowded account, and go to your card details. Click on âReport Card Lost or Stolenâ and select the relevant option.
What are the purchase limits for my digital card?
The daily limit for card purchases is $5,000, and it resets at 7:00 p.m. EST daily.
Who do I contact if I need technical help or support?
For technical support, please feel free to contact our support team. You can also take a look at our comprehensive support articles for further assistance.
What should I do if I notice unauthorized activity on my card?
Please contact the Visa's toll-free hotline 1-833-333-0417 to report the unauthorized transaction. Check your email (including spam) to see if you received any email notifications from VISA.
Can I deposit a check into my Per Diem account?
Unfortunately, you are not able to deposit checks into Per Diem accounts at this time
