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NetSpend® Visa® Prepaid Card - Pay-As-You-Go

Key FeesReviewsQ&AContact

Usage Fees

Activation Fee: None

Monthly Fee: None

Signature Transaction Fee: $1.95

Pin Transaction Fee: $1.95

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%

NetSpend® Visa® Prepaid Card - Pay-As-You-Go'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

Learn More

at Pathward's secure site

100% approval - No credit check required!

No Minimum Balance Required. No Activation Fee.

Pay bills and make purchases online.

Use it when you can't use cash — everywhere Visa debit cards are accepted.

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

You can add cash or paper checks, too. Skip the line completely and load checks directly from your mobile phone in minutes with Mobile Check Load.

Put money on your card at any of more than 130,000+ convenient Reload Locations nationwide.

Learn More

at Pathward's secure site

NetSpend® Visa® Prepaid Card - Pay-As-You-Go Q&A

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

Where can I buy a Netspend prepaid card?

Upvotes

Kendall Morris, Credit Cards Moderator

You can buy a Netspend prepaid card at participating stores, or on the issuer's website.

Some of the retailers that sell Netspend cards include Walmart, CVS Pharmacy, 7-Eleven, Office Depot and Walgreens.

If you sign-up for the card online, you'll receive it via mail in 7-10 business days.

What is the reload fee for a NetSpend card?

Upvotes

Lisa Cahill, Credit Cards Moderator

The reload fee for a NetSpend card is as much as $3.95 per cash load at NetSpend reload network locations. The fee is determined and assessed by the operator of each retail location, and may be lower than $3.95 in some locations. This is a third party fee and is...

How much can you load on a NetSpend card?

Upvotes

Kendall Morris, Credit Cards Moderator

You can load a maximum of $2,500 on a NetSpend card over any 24 hour period. This is the maximum cumulative amount of in store cash value loads. The maximum amount for direct deposits and tax refund ACH deposits is $15,000.

If you try to load more than the standard...

What is the minimum amount of money that I can put on my NetSpend prepaid card?

Upvotes

WalletHub

There is no minimum amount of money you're required to put on your NetSpend prepaid card.

However, you will need to put at least $10 on the card the first time you load it. Please let us know if you have any other questions! Best of luck!

View more answers

How can I switch plans from monthly to pay-as-you-go on my NetSpend Western Union card?

Upvotes

WalletHub

You can switch plans by logging in to your online account ( https://www.netspend.com/account/index.m ), navigating to Features and selecting Rate Plan. Best of luck!

What is the minimum amount I can load onto my NetSpend card?

Upvotes

zvi

The minimum is $10 and the monthly fee plan is $5 for the Transact 7 Eleven Netspend card. The $5 plan is only $3.75 if you keep it for 4 months becauae the 4th month is waived.

What's the Netspend maximum balance?

Upvotes

Kendall Morris, Credit Cards Moderator

The maximum balance is $15,000 at any point in time. You can load up to $7,500 in a 24 hour period. Please find more details here: https://www.netspend.com/account/terms/netspend_MC_T_C_1937677.pdf.

When you pay a bill with a NetSpend card, why does it take out more than the bill amount?

Upvotes

I applied for a NetSpend card but did not activate it. I cut it up and threw it away. Will I be charged fees? I can't remember how to access my info to cancel it.

Upvotes

WalletHub

No, you won't be charged any fees if your NetSpend card is not activated.

View more answers

When are NetSpend funds available?

Upvote

Sydney Garth, Credit Cards Moderator

That depends on how the funds where added. Usually, direct deposits are made available immediately. You can find more details here: https://www.netspend.com/help/faqs/.

NetSpend® Visa® Prepaid Card - Pay-As-You-Go Reviews

Share your insights and review the NetSpend® Visa® Prepaid Card - Pay-As-You-Go

4.0

What's Your Rating?

Sheila
September 17, 2022 • @sheilas_110

I would give them a -0 if it was on here, I have been a customer for almost 8 years and they caused me to lose over $18,000 I will never use them again ever

Comment

roseconroy53
April 8, 2021 • @roseconroy53

I thought I would try this card. So I only put $50 on it. I used it and they charged me for using it. Every time I use it there was a fee for using it.I Will find another card that does not have Fee on it when you use it.

Comment

Philip Kramer
January 3, 2020 • @philipkramer816

Complete scam all your info is put out there still not good enough then charges you 2 dollers for every transaction put down 20 for the card 2.95 for the card plus two transactions fees later used my card at 711 half for them and half for me run from this card

Comment

s70cummings
December 9, 2019 • @s70cummings

Everytime you the card its $3.99 and card transaction is $1 and maybe some cents. Fees, fees, fees. Crazy! Im trying to get out of debt, this cards not helping! They blow up your phone with messages and nons of them helpfull.

Comment

airbornelegal29
December 29, 2018 • @airbornelegal29

DO NOT DO NOT DO NOT get this card. I have only had it for a matter of a few days and have had fee after fee after fee cutting into the balance on the card, even for transactions that never happened. For example charging me a debit fee for what were clearly credit card transactions. Their customer service is useless. Definitely look at better options for a prepaid Visa, these guys are crap.

Comment

zvi
September 15, 2017 • @zvihersh

I suggest checking out the Transact 7-Eleven Netspend card for the following reasons. They offer two plans (pay as you go with no monthly fee and a $5.00 monthky plan) If you get the $5.00 monthly plan, every 4th consecutive month on that plan, the fee is waived. So, you only end up paying $3.75 per month for the year or $45. If you reload at 7-Eleven, the 4th cash reload is free. Most ATM terminals allso offer free cash ATM withdrawals at 7-Eleven.

Comment

CJ Nothin
January 1, 2016 • @cjn

I've been using this particular Netspend pay as you go $1 per transaction card for 5 years with NO PROBLEMS AT ALL. I am so happy with the customer service. I have always deposited my earnings onto this card and I have used it at atms as well, the fee is normal, it compares to any banks atm charges. I use this card for deposits and credit/debit/atm withdrawals and I am very pleased with them!

Comment

Madelyn Yohn
January 1, 2016 • @madelyny

Netspend is not your typical prepaid card. But it may be right for you. The application process is very easy compared to some other cards I have tried. It is all online, takes maybe 5 minutes to complete, with your physical card getting mailed to you within a week. Quick, easy, and painless. They also run sign up promotions pretty often, so be sure to get some quick cash in the process. This is a great card for those who need their money fast. The biggest selling point to me of the Netspend brand is there fast direct deposit. Faster than the bank in some cases. I use it to get my check faster, then simply transfer it to my checking account. I primarily use this card for online purchases, as they do have a slightly high fee schedule for use. If you want to make this your main debit card though, you can upgrade to monthly plans which greatly reduce your fees. I have found their customer service very easy to use and helpful in answering my questions when I started out. The other selling point of this card? Being able to set up free virtual cards, which are really helpful when signing up for trials, or you would like to keep your purchases private. I have not seen any other cards offer this! Overall, I would like to see the fees lowered in this card, as they are my biggest complaint, but definitely give this card a shot(and check out the bonus 5% APY checking account if you upgrade your plan!) Pays for the fees itself!

Comment

Azzie Burns
December 22, 2015 • @azzieb1

I got this card to have a loadable card not connected directly to any bank or credit account of mine. My accounts were all flush and I wanted to have a way to send money to a family member who was travelling a lot. I gave them this card before they left. It was really easy for me to get online and arrived at my house in a week or so later in time for when I needed it, but you do need to plan ahead. This card acts just like any other debit card would, you can easily use at any ATM that has Cirrus logo on it. What I loved was how I could handle loading the card right online if I used one of my checking accounts. This way my family member could skype me and ask for cash. I jumped on to my account online and reloaded the card, and it was available almost instantly. I called customer service one time and they were friendly enough and answered my account questions. What I did not like about the card is that you could not use a credit card to load online. I tried to figure out a way to get that to work but for some reason they will only load the card from bank accounts. In order to use a credit accounts money, I would have to physically withdrawal cash for it and go to a store and buy a redeemable card to load my prepaid card with, that is just stupid. I have to say in some ways it works great and in others it is lacking. I also think the fees for this card are way to high and was way I ended going with one of their competitors in the end.

Comment

Chrissy Durham
December 22, 2014 • @chrissysface

Netspend was always pleasant to use until recently. I just totally gave up on them. I no long have now, now will I ever want another card with them ever. Their customer service is impossible to reach, and when you do reach them it is just...not good. Also, they gave me the run around like you wouldn't believe about a balance that I owed them. Also, they took money from my account without even asking me! When I tried to get it back, my efforts were unfruitful. I just thank God that they didn't take a lot, but that was the LAST straw for me. No more Netspend for me.....EVER!!!

Comment

Review NetSpend® Visa® Prepaid Card - Pay-As-You-Go

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