How To Use A Debit Card On Steam [4 Simple Steps]

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If you're a savvy young adult with a debit card, chances are you have a Steam account. So why not put your money to good use and purchase all those shiny new games from the comfort of your own home?

This article provides step-by-step instructions on how to add funds to your wallet so that they can be used for purchases. But first, understand what Steam is.

What Is Steam?

Steam is a software distribution service with over 100 million users. It offers digital rights management (DRM), multiplayer networking, and social networking services.

Since its release in 2003, it has become the de-facto platform for PC game sales and access to online multiplayer for many games.

Steam is primarily a way for the user to download games so they can install and play them with the Steam client. It also includes community features such as friends lists and groups, cloud saving, and in-game voice and chats functionality.

Since its launch, a number of third-party sites have been created that track the huge number of available Steam games. Some developers are now using Steam to release their games instead of on their own digital distribution platforms, with the first major example being Crytek's decision to re-release Crysis through Steam in 2009.

How can you use a Debit Card on Steam?

Step 1

First, go to the Steam Store and make sure you're logged in (upper right corner). Then click on "+ Add A Game" (red box below) and choose "Steam Wallet Code" (green box below).

Step 2

Next, select how much you want to add ($20, $50, $100, or $250). Then click "Continue" (blue box below).

Step 3

The following page will display your Steam Wallet Code as well as a text box for you to copy and paste. This is also where you can enter smaller denominations of wallet codes if you choose. To add the funds to your account, simply click the "Add Funds to Wallet" button (green box below)

Step 4

Congratulations! You now have money in your Steam wallet that you can use for future game purchases. To view all of your wallet balances, including those funds not currently attached to a game, click the "Wallet" link (red box below) at the top of the Steam window.

That's it! It really is as easy as that, and the money can be used anywhere on Steam. From there you can choose to purchase games with your wallet funds or attach the money to a specific game if you wish.

How to purchase a Steam wallet code?

There are multiple ways you can purchase Steam wallet codes for yourself. Buying them online is simple and straightforward, but usually more expensive than other methods. These include:

  • Websites like Amazon or PayPal (reputable sites only) that sell Steam Wallet Codes;
  • The Steam Community Market, which you can use to trade for an available code.
  • Offering a price below the current lowest offer on the Community Market is considered invalid, so this method may take longer than usual depending on how many users will sell at your desired price. However, there are also multiple ways of getting free Steam money:
  • By participating in promotions that grant free Steam Wallet codes;
  • By trading with another user who has added money to their Steam Wallet (offering giftable copies of games is useful here);
  • And by using an available promo code.

There are multiple websites dedicated to finding and listing all the currently active promo codes for Steam purchases. Many of these are free to enter, but some require a purchase or survey completion first.

To find active Steam Wallet Codes, simply follow this link to the website Kinguin. This is an example of one of these sites that lists available promo codes for games on Steam.

All you need to do is click "Get Code" (green box below), and you will be redirected to the Steam website with the code already filled in.

Depending on how much money is in your Steam Wallet, using these promo codes to add funds may suddenly make you ineligible for others. If this happens, simply wait until you accumulate enough money or trade for more.

That's it! It really is as easy as that, and the money can be used anywhere on Steam. From there you can choose to purchase games with your wallet funds or attach the money to a specific game if you wish.

Is it a good idea to use a Debit card at Steam?

Debit cards are a safe and widely used way of transferring money from your bank account to another entity. Steam is a large company with a secure website, so there's no reason why you shouldn't be able to use one for purchases on the platform.

What is a Debit Card?

A debit card (also known as a bank card or check card) is a plastic payment card that can be used instead of cash when making purchases. The funds are withdrawn from the user's checking account when they use the card.

There are two types of debit cards: ATM-only cards, which cannot be used for purchases, and debit cards that can also be used at the point of sale (POS) terminals.

The main difference between them is that POS-enabled cards have EMV chips that store financial data, while ATM-only cards just have a magnetic stripe on the back. This allows them to be accepted by any checkout system that can read the relevant information from a magnetic strip.

Am I in danger using my debit card on Steam?

The short answer is: no, there's no reason to be concerned about your bank account when making purchases on Steam with a debit card. This is because all transactions are protected by Valve Corporation against fraud.

As long as you are using your debit card to buy legitimate games, the only risk is that the funds will be taken out of your account faster than you can earn them (when using a debit card, it's always best to make small transactions).

Remember that the money will be put back into your account automatically, and you haven't lost a penny.

What are the benefits of using Debit Cards?

Easy: You can use a debit card to pay for stuff online, without having to input your private bank information. For example, you can use a debit card to buy games on Steam.

Safe: With debit cards, you can easily track your spending and avoid going over budget or spending more than you have. It's also very difficult for thieves to get access to the money in your bank account because of the extra security that comes with using a debit card.

Fast: Purchasing items with a debit card is quick. The money is immediately withdrawn from your account and transferred to the retailer you're buying from because it's a real-time transaction.

Convenient: Debit cards can be used anywhere there's an ATM or where credit cards are accepted, which includes online stores.

What are the risks of using Debit cards?

Debit cards carry similar risks as credit cards and should be used with caution:

Stolen Card: They offer very little protection in case of theft or fraudulent transactions. For example, if someone steals your debit card number they can withdraw money from your account.

History: Your family can also see what you're spending your money on because most debit cards share the same account number as your family's personal cheque or savings accounts.

Fees: Most banks charge for using their debit cards, so check with your bank to see what fees they have. This could be in the form of an annual fee or transaction/overdraft fees if you don't spend all the money in your account.

How is the Customer Support service of Steam?

The Customer Support service is, as with most support services, available 24/7. You can contact them by phone or email and expect to hear back within a few days. They also have online help articles and will help you solve the issue as soon as possible.

Is it safe to use a Debit Card at Steam?

Steam, being a large company with a secure website is safe to use debit cards on. It's more so important for Steam because it allows access to games and other media. They are always upgrading their system to ensure safety, so there should be no issues.

Steam has all the features users need to keep their accounts safe. Steam has all the features users need to keep their account safe, including an option for users to create a "secret question".

If you forget your login information, you can ask Steam support to remind you over email. There is no way to recover the password without having this.

What are some of the tips or tricks I should know about using a debit card on Steam?

  • Use a separate email for your Steam account.
  • Ensure that you're using antivirus and firewall software on your computer to protect your personal data and information from any leaks or hacks.
  • Don't use public computers to access your sensitive accounts such as PayPal, Amazon, and Steam.
  • Change your Steam password when needed and add a secret question in case you forget it again.
  • Always remember to check for updates when using Steam, since hackers are always trying to figure out new ways to get into your account.

How long will it take to receive my game after I've purchased it?

Steam is very prompt in delivering the game once you have paid for them, normally within a few minutes or less. However, if there are unexpected delays due to work backlogs or other reasons, you may need to wait a little longer to receive it.


Now that you know how to use a debit card on steam, go ahead and make those purchases. Just remember to take care of your account as well as your debit card to avoid any issues with your bank. Either that or start a free Steam trial if you don't have enough money in your bank.

If you need any additional help or more information, be sure to contact Steam's Customer Support team and they will be happy to help you.

Michael Restiano

I lead product content strategy for SaltMoney. Additionally, I’m helping our broader team of 4 evolve into a mature content strategy practice with the right documentation and processes to deliver quality work. Prior to Instacart, I was a content strategy lead at Uber Eats and Facebook. Before that, I was a content strategist at SapientNitro, helping major Fortune 500 brands create better, more useful digital content.

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