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NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

Key Fees117Reviews91Q&AContact

Usage Fees

Activation Fee: None

Monthly Fee: $9.95

Signature Transaction Fee: Free

Pin Transaction Fee: Free

ATM Fees

In Network ATM Transaction Fee: $2.95

ATM Network Size: N/A

Out of Network ATM Transaction Fee: $2.95

Foreign ATM Transaction Fee: 4.0%

NetSpend® Visa® Prepaid Card's Additional Info

live customer support

Free

automated customer support

Free

reload options

Direct Deposit, Western Union, Cash Reload, Bank Transfer, Check Reload

cancellation fee

$5.95

inactivity fee

$5.95/month after 90 days of inactivity

Apply Now

at NetSpend's secure site

No Credit Check. No Minimum Balance. No Activation Fee

Enroll in Direct Deposit to your Netspend Card, and you could get paid up to 2 days faster

Use the Mobile App to manage your account on the go and get real time text message alerts

Stop by one of over 130,000+ convenient Reload Locations nationwide to add cash or checks in person

Apply Now

at NetSpend's secure site

NetSpend® Visa® Prepaid Card Q&A

Can't find what you are looking for? Submit your question about NetSpend® Visa® Prepaid Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Can I overdraft my card at an ATM?

Upvotes

Lisa Cahill, Credit Cards Moderator

Netspend may cover up to $10 if you are short on cash. However, this feature is only available with the Premier plan. Please find more details here: https://www.netspend.com/prepaid-debit/features/premier/.

What is the best way to take cash off a NetSpend card at one time?

Upvotes

What ATMs are free to use?

Upvotes

What bank has no fee for a NetSpend card withdrawal?

Upvotes

Kendall Morris, Credit Cards Moderator

Unfortunately, you will be charged a fee at any ATM you might use. Each time you use an ATM to withdraw funds, you will be charged a $2.50 fee per withdrawal, plus owner ATM fees, if these apply. You can find more details here: https://www.netspend.com/account/terms/netspend_MC_T_C_1937677.pdf.

View more answers

Can my son from his bank account put money into my NetSpend card?

Upvotes

Lisa Cahill, Credit Cards Moderator

Unfortunately, that option is not made available by NetSpend. You can only receive or send money to another NetSpend user. If your son would have had a NetSpend card then he would have been able to send you the money. You can find more details here: https://www.netspend.com/prepaid-debit/features/.

View more answers

How much can I reload on my card at one time?

Upvotes

Lisa Cahill, Credit Cards Moderator

That depends on how you choose to reload your NetSpend card. In-store, at a NetSpend Reload location, the maximum cumulative amount you can load in 24 hours is $2,500. However, the maximum amount for a direct deposit is $15,000.

How do I add money to someone else's NetSpend card when I only have the card number?

Upvotes

What locations can I go to withdraw money?

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Can someone send me money on the NetSpend Visa Prepaid Card?

Upvote

Sydney Garth, Credit Cards Moderator

You can send money to a NetSpend prepaid card but the sender must be a NetSpend prepaid card account holder as well.

How can I pay my apartment rent?

Upvote

Lisa Cahill, Credit Cards Moderator

You may call your landlord to see what type of rent payment he accepts, but chances are you will not be able to pay with your NetSpend prepaid card. Typically, landlords accept checks or online payment. Since this card is not tied to a checking account, you will not be...

NetSpend® Visa® Prepaid Card Reviews

Share your insights and review the NetSpend® Visa® Prepaid Card

4.3

What's Your Rating?

Traci Gearin
February 26, 2015 • @humdedumdedum

This car is pretty easy to use, and accepted anywhere. I don't like all the fees that accompany this card. The biggest problem I had was trying to figure out how to get all my money off the car at one time. It's not easy. There's a limit to the amount you can pull off in a day, and with the surcharges to use an atm.. It can get kind of crazy. Overall, the card and fees are what they say they are if you read the fine print.

Comment

Lovi Hyslop
February 17, 2015 • @lhyslop

This card is a fake and a fraud. It should be super easy to load your transfers rather than walking out of your house and going to a pick up location. Before you claim fast and convenient: Can you make DAMN SURE that your service IS fast & convenient.
A once happy customer

Comment

Janet Kruger
August 6, 2015 • @janetk_11

actually its not a joke I have used it for years as my main bank paychecks getting loaded onto it. have never had an issue its fast and easy just like using any atm or credit card

Comment

Marybeth Poulsen
December 1, 2014 • @marybeth.poulsen

I have had my netspend card for about a year now, up until this past month i really liked the card. However, about a month ago i loaded 250 onto the card, i went to the atm a few days later to take out the money and i kept getting declined. I first tried 200 then 40. I didnt receive any of the withdrawals, it kept sayin insufficient funds. I went online to see what was up, and it showed the deposit, then both the 200 and 40 withdrawal, plus 2 ISF fees, i called immediatly. I mailed in copies of the atm receipts. I was told it would take 30 days to MAYBE get my money back now 30 days later, they told me it would take 2 to 4 months to find out if my dispute is approved or not. I am now afraid to use the card, as i really cant afford to risk losing any money.

Comment

Michelle Haymon
November 30, 2012 • @michelle.haymon

Have had card for two years, had it for a year before I ever used it. Got caught in an emergency situation by WalMart's prepaid bank closing my account unexpectedly while I was traveling for work (I had my dependent son's state tax return deposited to my account in May 2011, they closed my account for this reason September on 2011 with no prior notice - a card decline at a gas station prompted a phone call to them which was when they told me the account was closed for that reason and a check had been mailed to me. They said I violated the terms). Anyway, Netspend was great, I called them to make sure my card was activated, called to change my direct deposit, then received it 5 days early, before I even received the check from WalMart card. Netspend is GREAT! Their customer service reps are nicer than my local bank tellers and they do an awesome job of keeping their customers informed by FB and Twitter! Keep it up guys!

Comment

Karen Cruz
October 24, 2012 • @yagirlnextdoor

I've had my NetSpend card for about 2 years now and it does have its pros and cons. I love that it recquires no credit check and there are several ways to load the card with funds. When my daughter needs money to go out, instead of giving her my credit card, I load up my NetSpend card and let her use that. You can also send a link that will allow anyone to add a specific amount to it which is great for someone who owes you money but can't get to you right away. I don't like that they charge a monthly fee especially since I don't use the card that often but then maybe that's why. Overall it's a good starter card for those who have little to no credit and don't like to carry cash around.

Comment

Albertine Angeloni
August 30, 2012 • @albertinea

I have a prepaid card with NetSpend. It has it's up and downs. Direct Deposits are always loaded extremely fast. I usually get my deposit a day earlier than my co-workers. The down sides are: there is always an fee to use any ATM. I tried to use a Money Network ATM because that is who NetSpend goes through and they charged me $5.00 per transaction. So even at your own bank, you get charged. There is also a charge for every PIN purchase you make, unless you sign up for their Premium Membership. Then you pay about $5.00 a month for unlimited PIN transactions. Customer service is not the greatest either. The employees are very hard to understand. They seem to be scripted in every response they give you.

Comment

Connie Murphy
July 12, 2012 • @connie.murphy.3154

I really like the NetSpend card! It works just like a major credit card whether making in store purchases, reserving hotel rooms, or shopping online. You can even do cash back when using as a 'debit' be it in a grocery store or gas station, any place that offers this option. The best part is that you can only spend the amount you've pre-loaded onto the card, so you don't even have to worry about spending beyond your means. And, the fees are no more than an average bank would charge. It's totally worth it when you think of the peace of mind you have with this nifty prepaid card. I would highly recommend this card to most anyone, but especially those who are in college or have little to no credit history.

Comment

Danielle Most
July 3, 2012 • @DaniJuggaloki1

I absolutely love this card! I have been using NetSpend Visa prepaid for a couple of years now and I like it so much that I canceled all my other accounts and only deal with this one now. This is because of several reasons. First, my brother also has a NetSpend account, and I can INSTANTLY transfer money from my account to his. I love this because I moved across the country, and this feature helps me to not feel so far away and helpless. The second reason is that NetSpend allows you to spend 10 dollars over your account balance which really helps me at the end of each month!

Comment

Scotty N Katy McDonald
June 16, 2016 • @scottynkatym

This card is a joke i will never use it again the fees are stupid !!!! especially for those of us that are living paycheck to paycheck!

Comment

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Review NetSpend® Visa® Prepaid Card

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