Uber requires that you have a valid payment method on file, such as a credit or debit card, PayPal, or Uber Cash, before you can request a ride. This is to ensure that drivers are paid for their services and to prevent fraudulent or unpaid rides.

In 2026, you generally cannot request an Uber if your linked card has a zero balance, as the app typically performs a pre-authorization hold to ensure funds are available before the ride begins. If this hold fails, the request will be declined. However, there are alternative ways to ride without a funded card. In many regions, Uber allows you to select Cash as a payment method, provided you have enabled this in your profile and are in a participating city. You can also use Uber Cash by loading your account with gift cards or using credits from previous customer service issues. Some users also link their accounts to PayPal, which can pull funds directly from a verified bank account even if a specific debit card is empty. If you find yourself stranded with a dead card, your best bet is to check if "Cash" is an available toggle in your payment menu or to have a friend "Gift" you an Uber voucher to your email.