Pay nothing out of pocket with Refund Transfer

Keep your money in your wallet with Refund Transfer, and pay for tax prep and other amounts with your refund. Then, choose where to send the rest of it.

How it works

step 1

Apply in person or online

Work with a tax pro or file online to apply. Then, set up an FDIC-insured Refund Account to get your tax refund payment.

step 2

Pay fees from your refund

Authorize payments for your tax prep and other amounts, including $39 for Refund Transfer. Fees are only collected when services are complete.

step 3

Choose how to get the rest of your funds

Get your remaining refund by direct deposit, in a Spruce account, on an H&R Block Emerald Prepaid Mastercard® (an existing Emerald Card if filing online), or by check (available if filing with a tax pro).

step 4

Enjoy your money

Splurge on something new. Or put money away for an emergency fund. Use your refund however you like.

Two easy ways to get your remaining funds

Don’t have a bank account? Enjoy easy access to your remaining refund when you receive it in a Spruce account or on an Emerald Card.

spruce debit card and phone app

Spruce built by H&R Block

A mobile banking app with a spending and a savings account, plus its own debit card

Use your existing Spruce account or open a new account when you file your taxes

No annual fees

emerald card credit card

H&R Block Emerald Card®

A ready-to-use, prepaid debit card issued in the tax office

Use your existing Emerald Card® or get a new one
issued same-day in the office

No annual fees

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

H&R Block Emerald Prepaid Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2023 HRB Tax Group, Inc.

Refund Transfer fees

Federal Refund Transfer

Pay just $39 for a federal Refund Transfer.

State Refund Transfer

Pay for federal and enjoy a state Refund Transfer at no extra cost. Available when filing with a tax pro only.

Paper check fee

Get your Refund Transfer proceeds by check for $25. Available when filing with a tax pro only.

Refund Transfer is an optional tax refund-related product provided by Pathward®, N.A., Member FDIC. Refund Transfer is a bank deposit product, not a loan. You can file your return and receive your refund without applying for a Refund Transfer. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Fees apply. A qualifying expected tax refund and e-filing are required. Other restrictions apply; see terms and conditions for details. H&R Block Maine License Number: FRA2. OBTP#13696-BR ©2023 HRB Tax Group, Inc.

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File with a tax pro

Our tax pros are trained to get you every credit and deduction you deserve. You can request to work with the same tax pro year after year so we can get to know you and your unique tax situation.

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