Morgan Stanley Debit Card

The Morgan Stanley Debit Card lets you make purchases and access cash at more than 2 million ATMs worldwide that display the Mastercard®, Maestro® and STAR® network logos. To order your Debit Card, log in to your Morgan Stanley Online account and select Debit Cards under the Services tab. 

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Morgan Stanley Debit Card Benefits

ATM Fee Rebates Worldwide

Clients are eligible for up to $200 per calendar year in ATM fee rebates. Reserved and Premier Cash Management clients have unlimited ATM fee rebates.

Chip and PIN Technology

The Debit Card features chip and PIN technology, a global standard in security that, when used at chip terminals, encrypts your information and helps reduce the risk of fraud.

Debit Card Alerts

Stay up to date on your Debit Card activity with alerts that are right for you. Monitor transactions made outside the U.S. or track transactions made online or over the phone.

Mastercard® Bringing You More

The Morgan Stanley Debit Card lets you experience a higher level of convenience, security and control with a suite of Mastercard® benefits.

Purchase Protections

Extended product warranty, satisfaction guarantee and price assurance—making sure you pay the lowest price for your purchases.

Travel Services

Receive certain premium travel services including medical, legal and emergency services while on the road.

Wallet Protection

If someone attempts to steal a cardholder’s identity, Mastercard provides the services to report and assist with respect to the incident.

We Value Your Security

When you use your Debit Card you'll receive features that provide security, convenience and choice when it comes to managing and making payments.

24 hour Fraud Monitoring

We scan your account for unusual activity and may alert you to suspicious behavior. 

$0 Liability

Get 100% protection on unauthorized purchases.*

Cash Management Alerts

Receive notifications, track transactions and stay informed on your account activity with customizable alerts sent via text, email or push notification.

Temporary Card Lock

Prevent unauthorized purchases or withdrawals in the event that you temporarily misplace your card.

Not a Morgan Stanley Client?

Speak with a Financial Advisor to get started.

Frequently Asked Questions

  • How do I order a Debit Card?

    On your mobile device:

        - Sign in to the Mobile app

        - Select your account

        - Scroll down to Account Management and tap Order a new     card

    On our website:

        - Sign in to Morgan Stanley Online

        - Select Services tab

        - Scroll down to Debit Cards

        - Select card to replace or order a new card

  • Tell me more about the Mastercard benefits included with my Debit Card.

    Get more out of every purchase with these Mastercard® Benefits which are automatically included with your Morgan Stanley Debit Card


    Extended Warranty – Doubles the original manufacturers' warranty time period and duplicates the coverage for up to 12 months on most purchases.*

    Satisfaction Guarantee – Provides up to $250 per new product, if cardholders become dissatisfied with their product within 60 days of purchase and the merchant will not accept a return.*

    Price Protection – Guarantees cardholders the best price on new products purchased with an eligible card by providing a refund on the difference, if the cardholder finds a lower price within 120 days of purchase.*

    Purchase Assurance – Insures cardholders against theft or damage of most new items for 90 days after the cardholder buys them.*

    Zero Liability Protection for Lost & Stolen Card - Covers the cardholder if fraudulent purchases are made on their card. Furthermore, if the card is used fraudulently, cardholders can rest assured that their Morgan Stanley assets are secure.*

    ID Theft Resolution with Wallet Protection – If someone attempts to steal a cardholder’s identity, MasterCard provides the services cardholders need to report and help resolve the incident.*


    MasterRental Coverage –Covers physical damage and theft as well as towing charges to the nearest collision repair facility.*

    Travel Assistance Services - Offers quick access to a variety of information and services that cardholders may need before traveling, whether looking for information on required documentation, immunizations or currency exchange rates. Cardholders can also use this service to get a list of physicians or lawyers who provide English-speaking consultations at their travel destination.

    •MasterTrip – Before travelling, MasterTrip provides information on travel requirements, including documentation (visas, passports), immunizations or currency exchange rates.

    •Travel Services Medical Assistance - Provides a global referral network of general physicians, dentists, hospitals and pharmacies. Medical Assistance also can help refill prescriptions with local pharmacists (subject to local laws).

    •MasterLegal Referral Service - Provides English-speaking legal referrals or consultations with appropriate embassies and consulates regarding the cardholder’s situation.

    •Master RoadAssist Service - Gives the added assurance that the cardholder will not be stuck on the road without help. The RoadAssist Service provides roadside assistance with discounted rates on jump starts, gas delivery and tire changes when you break down anywhere within the 50 states and pay for the fees on the Debit Card.

  • What is Premier Cash Management?

    Morgan Stanley offers a suite of cash management solutions that provides an attractive alternative to a traditional bank. These solutions include depositing checks, withdrawing cash, and paying your household bills in your Active Assets Accounts which allows you to manage your everyday finances alongside your long-term investments. As an added value, clients are rewarded for using the firm’s cash management solutions through the Premier Cash Management program.

    With the Premier Cash Management program, you gain access to select benefits, savings and enhanced services that have been designed exclusively for you. Learn more at