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

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.

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.

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!

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!

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.

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!!!

I have used a NetSpend pre-paid card for my income tax refund over the past several years. I have not had any complaints about the card as of yet. However their fees are a little outrageous. It has been convenient for me because, up until recently I did not have a bank account. If they would not charge $1 per transaction it would be just as beneficial as a regular bank account. Over all I have had a good experience with NetSpend

This is a very basic account, there is a $5.00 monthly fee. That $5.00 will not be deducted unless there is money in your account so you do not have to worry about company fees over drafting your account. There are some slighly annoying inquiry fees: like getting your balance on an ATM is a -.50 fee also calling the company to get your balance will result in a -.50 fee. The customer service is very friendly and willing to work with you in case of emergency. Also there are awesome rewards; 10% cash back at walmart, along with a plethora of other sign ups that offer 1 - 10% cash back on the places you frequent most with your card. Good card, awesome perks!!!

If you want a prepaid card go for american express. its by far the best. Americanexpress.com/prepaid

I received this card in the mail unexpectedly. I don’t even remember requesting it but I actually was glad because I was meaning to set up direct deposit for a portion of my paycheck. I thought this would be as good of a chance as any, so I went ahead and set it up. It was actually very easy to do, and I had no problems with that part of the card at all. Of course, I didn’t realize the amount of fees NetSpend charges. First, there is a $3 monthly fee, and I didn’t really mind that. Then on top of that they charge fifty cents every time you want to call and check your balance on the automated line, regardless of whether you are speaking with an actual person. I even let that go, since you can check your balance online for free. The worst part about it is that every time you use the card they charge $1 (and that doesn’t include any ATM fees)! Of course I thought maybe there was an error and called to speak with a representative (which they charged me fifty cents to do). The representative was not very understanding and actually said it was basically my fault because “I didn’t read the fine print”. Where was the compassion or understanding? She did tell me that if I wanted to avoid the fee, I could pay a once a month fee of $9 to combat the $1 transaction fee. Well, that about put the icing on the cake for me. That was all I could take, so I cancelled my direct deposit and cut up the card.

I had my identity stolen and the person used my name to open up a netsend account on top of other account. I tried to get the card cancelled and try to get maybe an address or some other information about the person guilty of stealing my identity. The woman I spoke to in customer service was an idiot. I explained the situation to her, letting her know that it was not me who opened the account, but she would not cancel or give me any information because I was not the primary account holder. I was frustrated because I wasn't any type of account holder because it was not me who opened an account. She told me it was not that big of a deal. I just felt uncomfortable with the fact that there was someone using my name and that it was not right. I ended up getting no where with netspend, the identity theif continued being able to use the account in my name.

A friend asked me to get a Netspend card, and I liked the idea that it was prepaid and that there were locally businesses that provided the refills so I signed up. I was excited when the card arrived because I signed up as a referral of the friend when I loaded my initial amount it being over $40 I got $20 free, and so did my friend, but after that I did not like the card. The card has ridiculously fees, compared to other like card, if you need to call and check your balance they charge you.50 of coarse you can get by this by checking your balance online or even installing the app on your android device but I think charging to check the balance is not a fair fee. The card also charges expensive transaction fees. If you use your card in store as a debit that cost $2.00 in store fees as a credit card are not much better at $1.00 per transaction. While ATM fees are at $2.50 not counting the additional fees the ATM itself charges you, for using a card that is not their brand. The few pros I found with this card, is its referral program, the $20 bonus and the no monthly fees. The cons for me outweighed the pros greatly. There are a lot of better cards out there some without monthly fees as well, but nearly all have lower transaction fees overall.

Overall, the main reason the NetSpend Prepaid Pay as you go Visa is my absolute favorite is because there is absolutely NO monthly fee. Another feature I love about this prepaid card is that it is exceptionally easy to use online and it is also accepted anywhere that credit cards are taken as payment. It is also secure, which is an important feature in my life because I use it to online more than I use it in stores. When you do use the card to purchase something in person at a physical location, there is a fee of one dollar per transaction. This can be avoided with a monthly fee of five dollars, and is worth it if you use it physically more than virtually.