Pay nothing out of pocket with a Refund Transfer.

It’s your money — keep it in your wallet where it belongs. With H&R Block’s Refund Transfer, pay for tax prep and other related fees right from your tax refund payment. With filing costs out of the way, you’ll enjoy the rest of your refund worry-free.

How it works.

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.

Pay fees from your refund.

Authorize payments for your tax prep and other amounts, including a $39 Refund Transfer fee. Don’t worry! Fees won’t be collected until services are complete.

Pick how to get your remaining funds.

Get your remaining refund by direct deposit, in a Spruce account, check (available for assisted tax prep clients only), or on an H&R Block Emerald Prepaid Mastercard® (online filers may only use an existing Emerald Card).

Enjoy your money!

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

Refund Transfer fees.

Federal Refund Transfer

Pay just $39 for a federal Refund Transfer.

State Refund Transfer

Enjoy a state Refund Transfer at no extra cost (available for assisted tax prep clients only).

Paper check fee

Get your Refund Transfer proceeds by paper check for an additional $25 (available for assisted tax prep clients 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. ©2022 HRB Tax Group, Inc.

Emerald Card® makes banking easy.

Put your refund on the H&R Block Emerald Card®. You’ll love getting your refund and paycheck all in one place. Use it, reload it, and enjoy.

Get your max refund with 100% Accuracy Guarantee

935 million+
tax returns worldwide

20 million+
filed with us in 2023

5 million+
switched to Block in 2023

File how you want with H&R Block.

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File with a tax pro

Gather your docs and let your tax pro do the rest. Just review and approve your return. Meet in an office or via chat, phone, or video.

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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.