• REFUND TRANSFER

    Pay for your tax prep with your refund

    With Refund Transfer, you can use your refund to pay  for tax prep and related amounts. Plus, you can track your refund using Refund Tracker.

    Additional $42 fee applies.

  • How Refund Transfer works

  • step 2

    Pay fees using your refund

    In addition to your tax prep fees and other amounts, pay a $42 fee to open your Refund Transfer Account. Fees are due when services are complete.

  • step 3

    Choose how to get the rest of your funds

    Get your remaining refund by  direct deposit, in a Spruce account, on an H&R Block Emerald Prepaid Mastercard® (an existing Emerald Card if filing online), or by check for an additional $25 fee (if filing with a pro).

  • step 4

    Get access to refund tracking

    Track your refund using Refund Tracker and get ready to enjoy your refund. Opt in required for email or text notifications. 

  • Explore ways to file

  • Two easy ways to get your remaining funds

    Don’t have a bank account? Enjoy easy access to your remaining refund when you receive it in a Spruce account or on an Emerald Card.

  • spruce debit card and phone app

    Spruce built by H&R Block

    A mobile banking app with a spending and a savings account, plus its own debit card

    Use your existing Spruce account or open a new account when you file your taxes

    No annual fees

    Explore Spruce
  • emerald card credit card

    H&R Block Emerald Card®

    A ready-to-use, prepaid debit card issued in the tax office

    Use your existing Emerald Card® or get a new one
issued same-day in the office

    No annual fees

    Explore Emerald Card®

  • Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and the Spruce debit card and the H&R Block Emerald Prepaid Mastercard® are issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, conditions, and terms apply to how you use your Emerald Card or Spruce account. Consult your Cardholder Agreement or Spruce Spending Account Agreement for details.

    H&R Block Emerald Prepaid Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2023 HRB Tax Group, Inc.

  • Refund Transfer fees

  • Refund Transfer Account fee

    A $42 Refund Transfer Account fee will be debited when your refund is deposited to the account you set up when you filed. 

  • Optional paper check fee

    If you’d like your remaining balance via check, an additional $25 fee applies. Available when filing with a tax pro only.

  • A Refund Transfer Account is an optional tax refund-related product provided by Pathward®, N.A., Member FDIC. $42 fee applies. This is a bank deposit product, not a loan. You can file your return and receive your refund without purchasing a Refund Transfer. Payments you authorize from your account will be deducted from your refund, and any remaining balance will be sent to you. Qualifying expected tax refund and e-filing required. Other restrictions apply; see terms and conditions for details. H&R Block Maine License Number: 2649367. OBTP#13696-BR.

    • See why 22 million+ clients worldwide trusted H&R Block last year

      For every return, we guarantee:

    • 100% Accuracy

      If there’s an error on your return due to H&R Block or our software, we’ll reimburse you for any resulting penalties and interest.

    • Maximum Refund

      If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), we’ll refund the tax prep fee for that return and file an amended return at no additional charge.

    • No Surprise

      We’ll tell you the price upfront and then keep you updated if anything changes.

    • BRIAN

      Deluxe Online User

      June, 2025

      “H&R Block always takes care of me, let them take care of you.”

    • VINCENT

      Utah

      October, 2024

      “Great expertise with great service.”

    • JEFFREY

      Minnesota

      June, 2025

      “If you want the best people, and a company who does absolutely everything to make your taxes right and convenient then you have to choose H&R Block.”

    • Westerner101

      Premium Online User

      August, 2025

      “I purchased the online tax prep and it was great. I was able to complete my taxes with ease and confidence. The AI tool was a nice bonus.”

    • Vman59

      Free Online User

      July, 2025

      “This year I needed to do a simple filing and I was surprised that it was free. Very easy to use and accurate.”

    • RICHARD

      California

      June, 2025

      “Great service, tax professional was very helpful and kind. Answered our questions best he could and offered services and tips for next year’s tax season.”

  • File taxes how you want with H&R Block

  • File with a tax pro

    Our tax pros are trained to get you every credit and deduction you deserve. You can request to work with the same tax pro year after year so we can get to know you and your unique tax situation.

    tax pro Andre S.
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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 the Spruce debit card and the H&R Block Emerald Prepaid Mastercard® are issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.