Southwest Debit User Reviews

Name: Southwest Debit
Rating: 4.4 (381 reviews)

Southwest Debit

Galileo Financial Technologies, LLC

💰 Finance

Customer Experience

Positive experience16.7% of reviews

Neutral7.1% of reviews

Negative experience76.2% of reviews

~ Based on 42 written reviews from the US App Store.

Is Southwest Debit Safe?

Southwest Debit appears safe based on user ratings. AppsHunter Safety Score for Southwest Debit is 87/100.

This assessment is based on 381 user ratings, with an App Store average of 4.4/5.

Safety Analysis

84.8% of ratings point to a safe experience

2.1% of ratings suggest some concerns

13.1% of ratings point to a risky experience

~ Based on 381 App Store ratings for Southwest Debit.

Is Southwest Debit Legit?

Southwest Debit appears legitimate, with a few gaps. AppsHunter Legitimacy Score for Southwest Debit is 70/100.

Based on 70 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most Recent Highest Rated Lowest Rated

Horrible product

They only support 4 banks, good luck if you have BOA or chase. If the transfer actually happens (which is hit or miss, some days it works. Most it doesnt), it takes 8 business days to reflect on the account. You can only fund via debit card once. And verifying via small deposits never works. And when you try to close the account, they charge you $20 to your own money. There a bunch of hidden fees. Go elsewhere earning points.

Professorice00000

a month ago

Response from developer

We understand how important it is for everything to work right when you’re ready to use your card. Please reach out to Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230, and we're happy to help answer any specific concerns you have.

Do Not Use This Card. I may even stop flying Southwest because if it.

UPDATE: Beware, initial authorizations do not drop off this card once the transaction posts. 4 times now with 2 different companies I had to wait 7 business days for holds to drop off my pending transactions even though the transaction had already been showing under “Settled and posted” once posted, the pending amount is supposed to go away immediately. These people are holding hundreds of dollars of my money unnecessarily for 7 business days until it automatically drops due to the hold expiring.

UPDATE:
Filed a complaint with customer service 1 week ago. My card still has a negative balance and the app and website are showing completely different balances from the IVR system. Not a single word from technical support.

******************

started using this card a few weeks ago and it has been a disaster. Nothing but problems that customer service can’t resolve. Right now the app and the website are showing a completely different balance than what customer service and the phone IVR are showing. It’s off by over 300 dollars. I have 3 pending charges that shouldn’t be there because the transactions have settled. It is a mess! Customer service is outsourced and show a lot of fake empathy, but as usual they don’t get it. There’s certainly a comprehension issue. I spent 2 hours today calling Southwest Debit, Kroger Corporste and Fred Meyer. Each one blamed the other. Bottom line: I am missing 300 dollars and nobody seems to really care or want to help. The way to a resolution is the customer service department at SW Debit. It is a nightmare full of people who lack basic English comprehension skills, which only makes the situation worse.

WilliamAlford

2 months ago

Response from developer

We’re sorry to hear about your experience and appreciate you taking the time to share your feedback. We understand your concerns around account balance discrepancies, and customer service support. Your input helps us continue to improve. For assistance with your account, please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230 — our team will be happy to help review and help resolve the issue.

Needs some updates

This is a good way to earn some additional SW RR points but there are some inherent limitations to this card. It often rejects instant transfers from PayPal or Venmo. You cannot instantly make a deposit with cash or a funds transfer. You need to plan very strategically if you plan to use it regularly.

Just10case OfAnEmergency

2 months ago

Response from developer

Thank you for your feedback, we’re glad to hear you’ve been getting good use out of the card, though we understand how frustrating the transfer limitations can be. We appreciate you bringing this to our attention. If you need any further assistance, please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230.

Bops!

Very hard to navigate!

adrianmcasarez

2 months ago

Earning as I spend

I use this card to make a lot of online purchases. I’m starting to track my spending better and will be using this card when I travel for work and personal use more. So far loving this card!

TravelAddict26

3 months ago

Response from developer

Thank you so much for taking the time to share your experience! We’re thrilled to hear that your process was quick and easy from start to finish, that’s exactly what we aim for. We appreciate you pointing out the WiFi tip. Connectivity can definitely impact performance, and restarting or toggling WiFi is often a helpful first step when troubleshooting. Thanks again for the kind words and support. We’re grateful to have you with us!

App

I love the app and Southwest Airlines.

Byrd man48

4 months ago

App is fine. Bank is not.

When they detect fraud which is basically anytime I use the card for more than $100 the transaction is decline. No warning. Nothing. This is so frustrating.

Frustrated2026!

6 months ago

Incompetent and awful app

Can’t add debit cards for instant transfer. Keep getting an error that states the name on the card doesn’t match the name on the account when it very much does. Can’t transfer Venmo payments over to the card because the bank is rejecting it for whatever reason. Just an awful app all around and it makes me not trust the usage of the card.

Oh COME ON1?

6 months ago

Response from developer

Thank you for sharing your experience, we understand how frustrating this can be. At this time, instant transfers from debit cards or Venmo are not supported, as outlined in our Account Agreement. We will, however, review your feedback as we explore ways to potentially develop this capability and consider including it in our roadmap to improve the overall app and cardholder experience. For any account-specific questions or assistance, please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230, and our team will be happy to help.

Smooth onboarding

From start to finish my experience was quick and easy. I personally feel bad for anyone who’s experienced issues along the way. The problem is WiFi while using this app and many others currently. Try turning it off and on. It might help with technical issues. Keep up the great work team!

Travel over

6 months ago

Response from developer

No points earned

I’ve been using this card & spending on everyday purchases for weeks but have received no points on my southwest account (account is definitely connected). Customer service is slow & this card seems to be too new & too many issues .

Anaya Nicole

6 months ago

Response from developer

Thank you for taking the time to share your experience, we truly understand how frustrating it can be to use your card regularly and not see your points reflected. We’d like to get this resolved for you as quickly as possible. Please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230. Our team will be happy to review your account and help ensure everything is properly connected and your points are addressed. We appreciate your patience and the opportunity to make this right.

Apple Wallet Support?

I’m looking forward to using the card but I’m bummed that it doesn’t have Apple Wallet support. You’d think that would be something that would have had before they released it. I hope it comes to the card sooner than later. I use Apple Pay daily.

Tonio09

6 months ago

Response from developer

Thanks for the feedback, we understand the frustration. You can still add the debit card to your iPhone by opening the Apple Wallet directly and manually entering the card details, even if there isn’t an “Add to Wallet” option in the app. If you continue to have issues, the Southwest Rapid Rewards® Debit Card Support team can help at 1-800-615-8230.

Half works

1/30: Transactions have been fixed. I can consistently see my transactions. Moving my review up to 2 stars now. The current on going issue for me is linked accounts. It’s never worked. I get my accounts linked in the app, I get a confirmation email that it’s done successfully but the account never shows up and I can’t complete transfers from the other bank.
12/9 Update: Still can’t see my transactions in the app nor the website. Customer service line has a hard time understanding context of what I’m asking for when I’m trying to make sure I don’t have weird transactions on my account. I figure I will give this to the end of the year and if it’s not resolved, I’ll close the account. Putting my money at risk isn’t worth the hassle to earn rapid reward points.

11/25: The app will only open roughly half the time. The other half you get a blank screen that just says something went wrong. The times I can get the app to open. It is never able to show me my transactions and it just says we are unable to retrieve your data. I get the same unable to retrieve your data when I try to log into the account online. There is no page to see rapid reward points accumulated which is the entire point of this debit card to me

AustinPTX

6 months ago

Response from developer

We’re sorry you’ve been experiencing these issues, we know how frustrating that can be. Our team is actively working to resolve the loading and data-retrieval errors affecting some cardholders. We also understand how important it is to view your transactions and Rapid Rewards® points. Since you’re seeing the same error in both the app and online, please reach out to Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230 so we can take a closer look at your account and help get this fixed as quickly as possible. We’re here to help.

A headache already

Can’t even login. Even when you reset your password numerous times. I read the bad reviews and still gave it a chance but guess reviews were right.

Nicoleeeeee933

7 months ago

Annoying af

This app is literally the most irritating one on my phone. I have never been able to consistently login, even on the website. At this point I’m just not going to be depositing any money into this account and if they don’t get their issues fixed in the next couple of weeks, I’ll be closing the account altogether. The debit card arrived today (which was supposed to come over a week ago “by November 22nd”), and I can’t even activate it online because their systems are NEVER working. Website just loads halfway then stops, and app always says “something went wrong”. What kinda high school development contest did yall use to build this app?? No way you paid professionals a salary to do this, and then also actually rolled it out like it’s ready??? Get tf real. Such an irritating experience from start to finish.

**UPDATE: also adding how annoying it is that there are no notifications about deposits or any way to set up REAL and MEANINGFUL alerts (ACH in or out, transactions over a certain amount, transactions at certain places, etc). This account functions more like a low budget Cash App (even they let you know when money is received) as opposed to a bank account.

MissMerricka

7 months ago

Response from developer

We’re really sorry for the experience you’ve had, we know how frustrating it is when you can’t log in or activate your card, and we appreciate you sharing this feedback. Our teams are actively working on resolving the login and loading issues, and we’re committed to getting this fixed as quickly as possible. Since you’ve been unable to activate your card online, please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230 so we can assist you directly and make sure you’re fully set up. Thank you again for your patience while we work through this, we truly appreciate it.

Terrible app

This is the worst banking app I’ve ever used. I’m never logged in for more than 2 minutes. I have to enter a verification code every time with no option to disable. My transaction activity never shows in the app. This app is negatively affecting the credibility of this card and makes it feel scammy though I know that it’s a partnership between Sunrise & SWA. There are so many high functioning banking apps in existence, I can’t understand why the developer is producing this shoddy app for such a major airline

Sellwood1927

7 months ago

Is there an option for apple wallet…or no?

I recently signed up for a card, and have transferred funds to this card. As I am waiting for the physical card to arrive, I am under the impression that I can add the new card to my digital wallet. But, how? I called customer support and they told me that it isn’t available. However, the emails make it seem like there is digital wallet support. So…yes or no?

No digital wallet

7 months ago

Response from developer

Thank you for the feedback, we understand the frustration. You can still add the debit card to your iPhone wallet by opening Apple Wallet directly and manually entering the card details, even if there isn’t an “Add to Wallet” option in the app. If you continue to have issues, the Southwest Rapid Rewards® Debit Card Support team can help at 1-800-615-8230.

Never Works

You can never see your account activity and the app works hardly ever. I'd never trust a large sum of money in this account and would never allow my full direct deposit, it's not safe.

CoachK21

8 months ago

Half works

12/9 Update: Still can’t see my transactions in the app nor the website. Customer service line has a hard time understanding context of what I’m asking for when I’m trying to make sure I don’t have weird transactions on my account. I figure I will give this to the end of the year and if it’s not resolved, I’ll close the account. Putting my money at risk isn’t worth the hassle to earn rapid reward points.

11/25: The app will only open roughly half the time. The other half you get a blank screen that just says something went wrong. The times I can get the app to open. It is never able to show me my transactions and it just says we are unable to retrieve your data. I get the same unable to retrieve your data when I try to log into the account online. There is no page to see rapid reward points accumulated which is the entire point of this debit card to me

AustinPTX

8 months ago

Response from developer

Crashes

The app crashes at night. I can’t open it after (for example) 7 pm. EVERYDAY !!!! .

CaliLove1977

8 months ago

Something Went Wrong

The app never works!! Every time I try to login I keep getting an error message and to call some 1-800#. I’m giving the app and card a couple of months to work out the kinks before I give up and close out my account.

allnevins

8 months ago

Response from developer

We’re sorry you experienced trouble using the app. Our team is always working to make the experience smoother and more reliable. If you're still experiencing issues with the App, please contact Southwest Rapid Rewards® Debit Card Services at 1-800-615-8230, and we’ll be happy to help resolve this issue directly.