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Credit Cards

You Can Now Put Any Name You Want on Your Mastercard

You Can Now Put Any Name You Want on Your Mastercard
Jennifer Billock

Mastercard is making credit card transactions easier and more inclusive for transgender customers by allowing them to use their chosen names on their cards instead of the names they were given at birth, all without requiring a legal name change to have the moniker changed on the card for their account.

Mastercard has recently become more inclusive for customers in the transgender community, allowing them to use the names they choose on their credit cards instead of the ones they were given at birth.

“What we’re introducing is a card that represents an individual as who they truly are,” Raj Seshadri, president of U.S. issuers at Mastercard, told American Banker. “This is something that should be accessible to everyone in the way they want it and there shouldn’t be any pain in that.”

With these cards, a legal name change will not be necessary. Not only will it be more inclusive for trans and non-binary cardholders, but it will also alleviate challenges with using credit cards for these customers in general. About a third of trans and non-binary customers have faced harassment or had negative experiences because of different names on their identification.

“Mastercard listened to transgender and non-binary consumers’ need for privacy and authenticity and created a powerful tool to make their lives better,” said Zeke Stokes, chief programs officer at LGBTQ advocacy group GLAAD, in a statement reported by American Banker. “Other businesses should follow suit by working with members of the LGBTQ community to create financial products that reflect true identities.”


[Featured Image: Mastercard]

View Comments (13)


  1. zgscl

    June 19, 2019 at 8:09 am

    How will this work when traveling or making purchase where an ID is required with a matching name?

  2. strickerj

    June 19, 2019 at 8:42 am

    @zgscl: That was my first thought too. This seems like it creates more problems than it solves.

  3. Bidkat

    June 19, 2019 at 9:00 am

    Can I use my cat’s name?

  4. OUTraveling

    June 19, 2019 at 11:23 am

    Sounds prone to fraud. Some conman will probably scream DID YOU ASSUME MY GENDER when he uses a females card and is questioned.

    I predict that Mastercard will just eat the charges (aka raise interest rate on the poor.)

  5. sdsearch

    June 19, 2019 at 8:13 pm

    What this garbage about having to use the name given at birth? I haven’t used the name I was given at birth on any credit card or ID for decades. All I had to do was to do a legal name change (in my early 20s), and all I have had to give since then is my legal name (which WAS of my own choosing), not the name given to me at birth.

  6. DragonSoul

    June 19, 2019 at 10:01 pm

    Finally, Princess Consuela Banana Hammock here I come! It’s so original I’m sure no one else will use it. :D

  7. LostInAmerica

    June 20, 2019 at 3:39 pm

    I am quite sure they will not allow ANY name you want. Who decides what is reasonable/appropriate? Princess Consuela is on the right track, but how far out of control will this get? Adolf Hitler? He-Man, Master of the Universe?
    How will a merchant ever be able to determine if you are the rightful owner of the card?

  8. KRSW

    June 20, 2019 at 7:11 pm

    @sdsearch has the correct answer — do a legal name change and be done with it.

    Although…I would like to use Charles Ponzi on my credit cards, especially when doing MS.

  9. trm2


    June 24, 2019 at 6:10 am

    Can I go with just McLovin?

  10. mvoight

    June 24, 2019 at 12:01 pm

    LostinAmerica – The vendor doesn’t have to prove the card belongs to you. All they have to know is the card is not stolen.
    If it had been reported stolen, it would not get approvals.

  11. KimchiExpress

    June 26, 2019 at 5:10 am

    zgscl – Has anyone ever checked your ID? I spend 100K a year in CC around the world and no one has ever asked me for ID.

    I use my wife’s card all the time. Some even have her original Asian name on it. I am white.

    I have made cards in the past with “Sir King” or whatever crazy shit we could come up with while drinking wine and signing up for cards. Never an issue – they print whatever.

    Maybe I will put ” Sum Ting Wong, Wi Tu Lo or Ho Lee Fuk” on my Asiana card.,

  12. m44

    June 26, 2019 at 7:28 am

    In the time of “chip and pin” the name is not and should not be required.
    The only responsibility a merchant has is when it accepts the payment without the electronic chip. If all electricity fails there are risks to merchant. But checking the name does not absolve that liability either.
    The whole system works only if electricity, telephones and or internet work. If just electricity fails the problem of cashless is upon us. And in particular the USA electric grid is way past its former reliability. How about other countries? No so good. But a small solar cell and the local cell phone may get you going on their non Visa non Master Card micro-banking.

  13. Cat Man Do

    July 8, 2019 at 5:42 pm

    m44, the would be nice, but US card vendors do not do chip and pin. They do chip and signature for the most part. Only a few have chip and pin as primary.

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