Dating Sites That Accept Debit Cards

Online Dating

7 Dating Sites That Accept Debit Cards (Feb. 2024)

Amber Brooks

Written by: Amber Brooks

Amber Brooks

Amber Brooks is the Editor-in-Chief at DatingAdvice.com. When she was growing up, her family teased her for being "boy crazy," but she preferred to think of herself as a budding dating and relationship expert. As an English major at the University of Florida, Amber honed her communication skills to write clearly, knowledgeably, and passionately about a variety of subjects. Now with over 1,800 lifestyle articles to her name, Amber brings her tireless wit and relatable experiences to DatingAdvice.com.

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Edited by: Lillian Castro

Lillian Castro

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Accessing the full benefits of a dating platform can be a major dealbreaker for budget-conscious singles who don’t have a credit card. One way to keep online dating costs more reasonable is to find dating sites that accept debit cards.

Debit cards provide the convenience of a credit card without the interest fees, making them a more affordable choice. These top dating platforms offer different options for covering fees, so you can get the perks you want without paying extra.

1. Match

★★★★★
4.9/5.0

Relationships: Friends, Dates, and Relationships

Match System: Browse by zip, age, appearance, more

Our Experts Say: “Match has facilitated the most dates and relationships of any dating site, and its large audience and high success rate make it our top review…” Full Review »

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Match launched in the mid-1990s, so it should come as no surprise that the popular online dating site offers some flexibility when it comes to paying for a premium membership. The payment options are most extensive for US members, but there are options for members in other countries.

You can also access a lot of the features on the Match dating site and app without paying. Free memberships include registration, browsing, receiving matches, and even limited messaging options.

★★★★★
4.8/5.0

Relationships: Casual Dates, Deep Relationships

Match System: Personality test suggests matches

Our Experts Say: “Accounting for 2% of U.S. marriages, eharmony’s compatibility-based system and commitment-minded user base are ideal for those seeking a serious relationship…” Full Review »

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Time-tested dating platform eharmony allows users to sign up for free, but for full access to the benefits, you’ll need a premium membership. The dating site accepts standard credit cards but also accepts debit cards with Visa or Mastercard logos as well as PayPal. 

Basic members on eharmony can browse and receive curated matches, and take Icebreaker quizzes. The eharmony team believes that the membership fee discourages romance scammers from using the platform to find their next victim. Membership fees also dissuade people who aren’t serious about relationships.

★★★★★
4.8/5.0

Relationships: Serious Relationships

Match System: Search, Receive Partner Suggestions

Our Experts Say: “EliteSingles is a leading dating site just for busy, single professionals. More than 80% of members have earned a college degree, and most are looking for a serious commitment…” Full Review »

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Elite Singles plays host to the crème de la crème of the dating world, so it makes sense that the dating site requires a premium membership to access all features. Premium members can pay the membership fee via Visa, American Express, Mastercard, or Discover cards, through branded debit cards, or via PayPal.

The payment amount depends on the length of membership you select, with longer memberships costing less per month. Elite Singles also takes payment for the membership in one lump sum, instead of monthly payments.

4. Zoosk

★★★★★
4.7/5.0

Relationships: Fun Dates, Serious Relationships

Match System: Search and get match recommendations

Our Experts Say: “Zoosk is integrated with social media sites, like Facebook and Google+, so it’s very popular with singles on the go…” Full Review »

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Zoosk offers a wide variety of payment options for users who want to buy Zoosk coins or pay for a premium membership to the social media dating platform. Beyond credit cards and debit cards, Zoosk users can pay with an online check through SEPA or direct debit, as well as through PayPal.

App users automatically pay for their coins or memberships via either the Google Play Store or App Store, using whatever payment method is on file.

★★★★★
4.5/5.0

Relationships: Dates and Serious Relationships

Match System: Search by gender, age, education, more

Our Experts Say: “ChristianMingle is among the largest dating sites in the industry that only caters to single Christian men and women, and the site has some of the best search filters and safety features…” Full Review »

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While it can be tricky to find on the FAQ for Christian Mingle, the dating site accepts several payment options for premium memberships. You can pay with debit cards that feature a Visa or Mastercard logo, as well as with PayPal.

If you prefer the Christian Mingle app, your payment goes through the Google Play Store or App Store, using the payment method you have for those platforms.

★★★★★
4.6/5.0

Relationships: Dates and Relationships

Match System: Search by profiles by zip and more

Our Experts Say: “OurTime is well-known in the over-50 dating crowd, particularly because it has a ton of helpful search features and an easy layout…” Full Review »

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Because OurTime caters to senior singles, the dating platform offers several payment options so even the most tech-challenged member can get premium membership benefits. In addition to credit cards and debit cards, you can pay via PayPal, as well as by mailing a check or money order.

OurTime also has a dedicated customer service team for mailed payment inquiries to make sure users have as few hiccups as possible. 

★★★★★
4.6/5.0

Relationships: Friendship, Casual Dates, Serious Relationships

Match System: Search by age, location, height, education, ethnicity, and religion

Our Experts Say: “SilverSingles is a fast-growing, easy-to-use niche dating site exclusively for active daters over the age of 50…” Full Review »

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Silver Singles offers a few different payment options for premium membership beyond credit cards, including Visa and Mastercard debit cards and PayPal. Dating app users purchase their premium memberships through either Google Play or App Store payment, so you can use whatever payment method you have on file for those services.

Silver Singles doesn’t take monthly membership fees, but instead bills one lump sum, and automatically renews memberships at the end of the membership period. Users can turn off automatic renewals and cancellation is easy as well.

FAQs: What Dating Site Can I Use Without Credit?

Fortunately, most dating websites accept more than one payment method, and some will even accept third-party payment apps like PayPal and Google Pay. Keep in mind, also, that paid subscription sites aren’t your only option.

neon no card image
Several dating websites accept different types of payments, such as third-party methods like Google Pay, and there are also free sites to consider.

If your budget is really tight, a free dating site like OkCupid, Hinge, or Tinder may be a better fit. All three platforms offer the core features without charge, so you can sign up, find matches, and chat for free. 

What Forms of Payment Does Ashley Madison Accept?

Because Ashley Madison is all about keeping things discreet, the dating website provides affair seekers with payment options that avoid detection. Of course, Ashley Madison accepts credit cards and debit cards, but the online payment possibilities don’t stop there.

★★★★
4.0/5.0

Relationships: Hookups, Casual Dates, Affairs

Match System: Search by age, location, appearance, and more

Our Experts Say: “With its massive user base and advanced privacy features, Ashley Madison is the #1 site for discreet hookups, dates, or relationships…” Full Review »

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Depending on the country you live in, you can pay via prepaid debit card or check. In some countries, you can even take advantage of the most interesting alternative payment method: gift cards. Ashley Madison uses discreet codes to hide any mention of its services no matter the payment method you use to buy credits.

Can You Use Prepaid Cards on a Hookup Site or App?

A prepaid debit card is a low-profile payment method for most dating websites, including the hookup site or app you choose. You will have to deposit funds to the prepaid card so you have enough funds to cover the purchase.

curious woman holding card image
Ashley Madison allows users to keep their relationships discreet and use prepaid debit cards for added security.

Keep in mind that many sites save your payment information to auto-renew for subscription services. Turn off the auto-renew option if you prefer not to renew automatically. If you choose the convenience of auto-renew, check your prepaid card balance to ensure there is enough on the card to cover the transactions.

Which Dating App Allows Completely Free Chatting?

OkCupid launched in 2004 with a core principle of keeping every basic feature of the platform free to users. It remains a free dating site, a rarity in a crowded industry, especially because OkCupid offers free, mostly unlimited messaging.

The only restriction on sending messages on OkCupid is that users must wait for a reply to the first message they sent before they can send another one.

Online Dating is an Affordable Way to Meet Singles

Whether you’re looking for romance or your next hookup, online dating sites that accept debit cards as a payment option make it easier to access premium features without paying extra fees. Protect your credit and avoid interest charges while you look for the ideal potential partner!

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