Introduction: How to Turn Your Cellphone Into a Credit/debit Card

Picture of How to Turn Your Cellphone Into a Credit/debit Card

Easy to do mod for an extra credit/debit card with RFID chip (i.e. Paypass).

Using this method, you will be able to locate and extract the RFID chip in your spare
Paypass-capable card and place it in your cellphone. This will allow you to present your cellphone at Paypass terminals (movie theaters, McDonalds, etc..) and pay using the RFID chip.

Step 1: Get Your Materials

Picture of Get Your Materials

Items needed:
- Spare credit/debit card with embedded RFID chip (if go to your bank and request a new card they will typically send you a new card w/ the same number and info).
- Scissors
- Cellphone
- Magic marker/ Sharpie

Step 2: Find the Chip

Picture of Find the Chip

In this instructable, I am using an old, deactivated debit card. I found the RFID chip in a previous card by cutting into it randomly.
I DO NOT recommend this method if you don't know where the chip is, as you could obviously damage the chip and make it unusable.
I do not know if all cards are setup with the RFID in the same location, but if they are, my guidelines will give you a good idea where to start.

If not, I was able to see the impression of the chip on the back of the card when I looked at it from an angle in a well lit room (it appeared as a small square impression only a few millimeters across).

Make sure to mark out a guideline to cut along that goes from the bottom of the magnetic strip to the top of the imprinted card numbers. This will yield a decent size chunk of the card with the RFID in the center.

Step 3: Cut Out the Chip

Picture of Cut Out the Chip

Be very careful when cutting out the chip.

Less is more!

The initial size may be fine for many people and is small enough to be placed in many cellphones or anything else you can think of. But if you're like me and have an env2 or similarly compact phone you need it a little bit smaller.

Going any further than the initial cutout comes with the risk of damaging the chip.
Consider yourself warned.

When cutting close to the chip you may break the seal around it and the sides may begin to separate.
You DO NOT want this to happen as you want the plastic for insulation around the chip.

Step 4: Place the Chip in Your Phone

Picture of Place the Chip in Your Phone

This last step is pretty self-explanatory.
However, there are two possible ways to go about it.

1. I've found that the easiest way of placing the chip inside the phone is by placing it inside the battery cover.
In the case of my env2 and other compact cellphones, there is very little wiggle room available to place anything extra in the battery compartment. For my phone, I would trim the card more than shown in order to create a lower profile inside the battery compartment.
For others the chip in the size I show here may be more than adequate.

2. This second option is for those are not utilizing their microSD card slots (if available).The plastic around the RFID can usually be trimmed enough so that it is able to fit into a microSD card slot.
I only offer this option as an alternative for those willing and able to do so. Just make sure you can remove the chip from the slot and that there is no way to cause a short while the chip is in the slot.

Step 5: Success

Picture of Success


You now have a fully operational RFID-embedded cellphone.

Oh, and please let me know what you think as this is my first instructable.

P.S. before I forget, I did not come up with this completely on my own. I had seen something similar almost a year ago online. Try as I might I can't seem to find the site anymore. I just want to give credit for the inspiration to the author of that webpage, whoever they may be.


Thomasc192 (author)2016-06-08

Thanks to Mr Martins and the entire staff of UNIONATMCARD for the help they give to me in getting one of their premium card am so glad to have met you guys and indeed am grateful,

DavidG436 (author)2016-04-19

I got my already programmed and blanked ATM card to

withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MR JAMES is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and he is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from him. Just send him an email

VictoriaL26 (author)2016-04-12

I got my already programmed and blanked ATM card to
withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MRS SARAH is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and she is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from her. Just send her an email

VictoriaL26 (author)2016-04-02

I got my already programmed and blanked ATM card to
withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MRS MARY is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and she is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from her. Just send her an email

GilbetoM (author)2016-03-28

Hey Guys!!! I got mine from Mr Muhammad. My blank ATM card can withdraw €2,000 daily. I got it from him last week week and now I have €7,000 for free. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for easter and enough money to take care of my two kids and my wife, I am really happy i met Mr Muhammad, Mr Muhammad sent the card through DHL and i got it in two days. Get one from him now. See is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries except Philippines, Mali and Nigeria. Mr Muhammad email address is

CindyM88 (author)2016-03-10

I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mr James is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email on and be happy like Me...

Mr johnsonb (author)2016-03-07

BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS or TO START LIVING A GOOD LIFE..... Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email ( for how to get it and its cost . .......... EXPLANATION OF HOW THESE CARD WORKS.......... You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT $1,000, 2nd VAULT $5,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly... Done. ***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE "ALL" OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. email ( We are located in USA,INDIAN

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Carmageddon (author)2012-01-05

Guys, look at this picture - I am trying to remove the RFID system from my work tag, so I can put it inside my phone.

Look at how tiny the chip is!
Any idea how to get it out of there intact, so that it works?

I was not really able to find any instructions on this size of chip.

That is VERY small

AWarmGun (author)2011-12-18

After reading through the comments, I started pondering about the idea of putting the RFID chip in the memory card slot. (Note: I haven't attempted to construct this as of now, so I'm not familiar with certain specs and I'm brainstorming in a sense.) Do you think it would be feasible/possible to insert the RFID chip into an old, gutted memory card? If the acetone trick really does work, it'll greatly reduce the extra plastic. Hopefully it would fit into a memory card that has been popped apart. With this, if someone steals your phone, they should just think it's a busted memory card.

I also started pondering the worries a lot of people are having when it comes to the range of the RFID chips. I figured that If you manage to remove all of the excess card, leaving just the chip, you should be able to wire it to another metal portion of the phone (I was mainly thinking the antenna itself). However, if the memory card idea works, you could connect it to the grounding pin and it should use all the grounding "lines" on the chips as an extender.

As for security risks, due to RFID readers, killers, etc.. I THINK I might have a useful idea for that. Why not make a general case/cover for the phone able to block the signals? (I was thinking along the lines of modifying a body glove or similar) I'm not sure if lining it with something would do the job, if it would interfere with other aspects of the phone, or whatever else. I just figured that it would look "stock" and would protect the information while you're wandering about. Hell, you could even have a small section of the cover that easily flips open when required (preventing fumbling around & defeating the purpose), thus exposing the external part of the phone where the RFID card is contained within.

Hopefully this rambling has made a logical point or two, or at least help you guys ponder up some new ideas.

glorybe (author)AWarmGun2012-05-27

A copper screen mesh should block all signals.

dudesurge (author)2011-12-24


francisroan (author)2011-07-18

hey then how will u ever put ur phone inside the atm slot?

Silence (author)francisroan2011-12-24

Would be used for tap to pay systems. I believe ATMs read the strip and not the chip anyway.

Silence (author)2011-12-24

What if the phone has NFC enabled on it ? will this work with RFID systems ?

kkennedy4 (author)2011-07-26

If you are using a 'deactivated' card, how are you able to use it to pay for stuff when it is in your phone?

NoobFest (author)kkennedy42011-08-30

He obviously used a deactivated card only as proof of concept. I suppose that anyone in their right mind would first try locating and extracting the chip, and testing if it actually reads, before messing around with a working card.

Kikurimu (author)NoobFest2011-09-24

My bank issued me a second card because my first card's magnetic strip had stopped working. I figured why not put the RFID to good use?
I was very careful while doing this and was successful the first time.

whiskymonster (author)2011-07-28

i did very similar.
cut up an oyster card for the London tube trains, and stitched into the cuff of my leather jacket.
again, the strange looks when you just put your hand on the tap point and it works!

MJTH (author)2009-07-07

There used to be a show on TV called beyond tommorow that showed futuristic inventions. They showed a bus where as you walked on you just swiped your phone and as you walked off you swiped it again and it would charge you. That came out where I live, in australia just without the phone, we have little cards that have RFID chips in them. It says they belong to the place we bought them from soo im not game to cut it up, plus they wont give you a new one if you lose it and it costs 5 bucks plus whatever credit you have to top up (y) haha.

Jamez Britton (author)MJTH2011-07-05

Here in Melbourne these are called Myki. They're replacing the melbourne metcard.

Spannerz (author)MJTH2011-07-03

Ahh, Go Cards :D South-east Queensland... in Brisbane City theyre pretty much a requirement haha. I chopped mine up and put the microchip in my blackberry ^^, the looks I get when I swipe my phone... >=]

Plus whos gonna care if you damage it xD they cost peanuts to produce and all you lose in the end is whatever money you had on it..

zack247 (author)MJTH2011-06-17

they have things like those in saskatoon too, theyre called "go passes" you place them on a stand at the front of the bus and the rfid reader scans and identifies the card, then you get on the bus.
i've had one apart before, but i have to say there is a lot less inside one than you might think.

destructopop (author)zack2472011-06-25

No way! They're called Go Passes here, too! I did a little research when I moved from San Francisco to Brisbane, and the Translink cards we used in SF are owned by the Australia based Translink, which runs the "Go Pass" system here in Brissie. I wonder if Saskatoon is run by the same company?

hubologista (author)2011-07-04

Just cut my oyster card ( London travel card)and it it works , simple, easy and use full that's what i call a good hack :)

Algag (author)2011-06-17

or someone has a reader in their hand go to shake their hand and boom your credit is ruined :/

destructopop (author)Algag2011-06-25

Heck, I'm iffy about carrying a paypass card anywhere on me, nevermind in my hand. Plus the RFID identifier associated with your card will change anytime major information on your bank account changes. So it could be a useless RFID in your hand only months later. D:

coolpizzadude (author)2011-06-18

Nice :)

ranex (author)2011-05-31

whilst reading this i took my credit card and my smart phone- my credit card fits inbetween my smart phone and its case- it would work the same, but not as destructive

Treknology (author)2010-09-08

I did something similar with my laptop while at Uni. Most libraries use long metal strips that can be activated so that security stops you from leaving with a book that has not been logged as "on-loan", once it's logged and deactivated the security scanner lets you through, and then when you return the book the strip is re-activated.

I obtained such an activated strip from the staff and buried inside my laptop. This meant if a call of nature required that I had to ask someone else to keep an eye on it and they failed, it would be pulled up at security. Only I knew that I had to go to the counter and ASK for it to be passed around the security barrier.

Some of this technology can be turned to your own advantage.

mobadr (author)Treknology2011-05-30

wow, that's a smart one :-)

ella.mentry (author)2010-07-10

...couldn't you also do this by taping it to the inside of a cellphone's hardshell case instead?

CherryRellik (author)2010-04-21

Bumpity bump.

I think this is a great idea. I actually extracted the rfid chip from one of my old debit cards and I'm thinking about having it placed right under my skin. I've seen a lot of people that have stainless steel balls and other things put underneath their skin for aesthetic purposes. I would love to see the look on the guy's face at McDonalds when I pay by waving my hand over the reader.

Don't flame me, guys, if you don't agree. No, it's not the mark of the beast, and no, it's not any more dangerous than a tattoo or something similar. There's a great video on Youtube of a guy that had one, albeit in a glass capsule, imbedded in his hand. That's where I got the idea.

bkapps (author)2010-03-26

This would be beneficial for people who lose their cards all the time, but people who lose their phones, not so much. Motorola RFID Reader is a great source to learn more about RFID reader information. 

Ranie-K (author)2010-03-10

You might be able to remove all the plastic (and expose the RFID chip) by simply dropping the hole card into acetone.

I saw that someone had done this and made the antennae bigger, so that it would get increased range.

kachup (author)2009-12-01

convinient way to pay but aren't your credit card details at an increased risk? the normal paypass card has visible security features which the store attendant can verify, if you hide it in the phone they can verify whether you're the legitimate cardholder or a guy who stole the phone.

Kikurimu (author)kachup2009-12-02

 True, it won't be visible as an actual card anymore, but it's also true that 99% of places that use the rfid credit card machines don't check. Also, with  this setup, if someone steals your phone, they would have to know what the heck that little piece of plastic in the phone was.

kachup (author)Kikurimu2009-12-02

you're right, but you know in some cases the thief is someone who knows you or has seen you use your phone to pay for things.

c ssgt seifer (author)2009-11-24

very cool. I'm not about to try it though, in fear of ruining both my card and Env2's micro sd slot.

lemonie (author)2009-03-09

You've manages to cut this withoutdamaging the RF|ID aerial?

(Does it actually work?)


The Real Elliot (author)lemonie2009-08-13

Agreed. I think you're cutting the antenna. That should drastically reduce the range at which it can be read, and may mess it up entirely. (RFID chips get their power from the base station through that antenna.) I'd be cautious with a card that means something or is difficult to replace.

lemonie (author)The Real Elliot2009-08-13

I'd think the antenna bigger than the cut-out section, but perhaps not. Author says it works (other comments) L

jmeister15 (author)2009-06-05

haha, i cant wait to see the look on the cafiteria peoples face when i hand them this! They hate us when we pay with pennies!

muthaw (author)2009-05-11

Nice Idea

ralegg (author)2009-03-09

I don't have the card version of a paypass but I do have one of those plastic ones that you can put on a key ring and I want to try this out but I too wonder how many people have gotten it to successfully work. I'm worried about all the metal shielding from either the battery side or the faceplate side.

ironsmiter (author)ralegg2009-03-10

usually, the battery covers on cell phones are plastic only, so no worries about metal shielding blocking the signal there.

ralegg (author)ironsmiter2009-03-10

Not with mine for some reason, I have the enV (not the enV 2) and the battery does not have a cover, just the battery itself. That's why I thought this would be slightly problematic for me.

ironsmiter (author)ralegg2009-03-11

ahh yes. the battery probably WILL be an issue for you. It may not completely block the signal, but if it does work, you'll need to get the phone a lot closer to the antenna then the rest of us. I tried it with my palm treo, under the battery, using an rfid sample kit(chip, antenna, and reader) and the battery reduced signal strength by almost 75%. the batery cover of my samsung rant, however, proved virtually invisibly(2% signal loss).

ralegg (author)ironsmiter2009-03-12

Thank you ironsmiter, that's the advice I was looking for.

Berserk87 (author)2009-03-09

very simple instructable, but its something i had thought of. :) fyi, rfid technology is still new (for this use) and its very insecure, especially using it for banking... i suggest you do a lot or research on rfid technology before you trust it with your banking security.

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