At Pathward, they believe in financial inclusion for all and that banking should be accessible to everyone. They build solutions for markets where individuals and businesses are underserved. Through Pathward’s two divisions, Banking as a Service and Commercial Finance, they power their partners and customers to deliver programs that ensure a financial path forward.
Pathward Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/17/2026.
3.4
1,592 reviews
from WalletHub and across the web
1,592 reviews from WalletHub and across the web
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Pathward
d_noorani @d_noorani
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1 Star Rating
I got several prepaid visa reward debit cards from United Healthcare through Pathward N.A. I have not found anyway of using these cards. If you call the toll free number thay cannot tell you where they are accepted. On top of all the other issues, after 12 months Pathward charges a monthly Debit Fee on each card. This is a scam and unless a Class Action case is filed against Pathward and UHC no one will get any value out of these worthless Prepaid Reward Cards.
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Product: Pathward Prepaid Cards
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Pathward
Kevin Lafferty @khlafferty2
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1 Star Rating
Do not do business with these dishonest individuals! Anyone leaving a positive review for this disreputable business is being deceptive. Observe the reviews; they consistently swindle individuals with prepaid cards. They deserve to be in jail. I received a prepaid card as part of a class action settlement and attempted to use it at a store, but it was declined. I was informed I could only use it online. However, when I tried to use it online, it showed that no funds were available. On their website, there's no option to check the balance. This is completely unacceptable.
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Product: Pathward Prepaid Cards
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Pathward
Braxton Nonyabusiness @braxiford
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1 Star Rating
Someone got us a $50 gift card for Christmas. Money is tight for our family right now, so we appreciated this gift. The gift card was unopened. When we opened it up today, the majority of the numbers were scratched off as well as the CVV. No way that this wasn't intentional. When I called Visa about it, they transferred me to Pathward and I got an answering machine that said, "The number you've reached is not accepting calls at this time. Thank you for calling." Stay away from Pathward-- they're stealing your money. Unless they can get this resolved, the next step is getting authorities involved.
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Product: Pathward Prepaid Cards
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Pathward
glenda_rolfe1 @glenda_rolfe1
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1 Star Rating
You jump through hoops and find your money gone, zero balance when you know you didn't use the remaining balance. I had to make several calls and make several inquiries, only to be told no available funds on the card after using it once and knowing that there was over $20 remaining.
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Product: Pathward Prepaid Cards
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Romona Salzer @frogplaz1941
what number did you call to get a live person
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Pathward
lindabl420 @lindabl420
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1 Star Rating
I purchased a $100 Visa card, and when I opened it, the card was damaged. I was not able to get my money back from Target. I called customer service, and they have to conduct an investigation into why the card was damaged. Now, I have to wait 3 to 15 days to get my money back or receive a new card. Never buy a card from this company!
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Product: Pathward Prepaid Cards
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Pathward
Alisa Isom @Skippy
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1 Star Rating
I was issued a refund check with an error in the spelling of the last name. I tried contacting the organization by phone and email, yet I cannot get a live representative or a response to my email. This is unacceptable and unprofessional!
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Product: Pathward Business Services
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Pathward
Jacqueline Waller @missjackiewaller
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1 Star Rating
Pointless! Can’t use the cards online, had trouble using it in a physical store and you can’t add it to Apple/Google wallet. SCAM!
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Product: Pathward Prepaid Cards
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Pathward
WhiteTrash Gzus @whttrashgzus
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1 Star Rating
If I could subtract stars, I would. It is ridiculous that this company is allowed to take your money and advertise that it can be used anywhere Visa is used, and then make it nearly impossible for you to spend it or get cash. Someone should start a class action lawsuit at least to make them put it on the packaging when the cards are purchased that this card is impossible to use. They say you can use it for online purchases. I've tried it numerous times, and each time it says the bank declined the transaction because it doesn't support this type of purchase—$200 and I can't access any of it.
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Product: Pathward Prepaid Cards
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Pathward
Christopher Arp @arpchris3
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1 Star Rating
H and R Block uses them for a refund advance. Now I only got $500 this year, but for 7 years, I have always got the advance of $3500. I won't use H and R Block again because of this. Pathward is a joke
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Product: Pathward Prepaid Cards
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Pathward
akunkel719 @akunkel719
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1 Star Rating
I have reached out to this company regarding fraud on my daughter's prepaid card. Unfortunately, my address was not updated, and I have no way to update it unless I agree to either email or fax my government ID and Social Security card to a stranger. I was told they would file the dispute and mail a check to the address on record. Financial documents are not forwarded by the USPS, so my daughter will never receive her stolen money.
I would give zero stars if I could.
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Product: Pathward Prepaid Cards
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Pathward
WH @barakol808
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1 Star Rating
Got multiple Pathward Virtual Prepaid Mastercards. I'm unable to use them at all. They are always declined at any place I've tried, such as Amazon, Walmart, eBay, etc. You can't get ahold of anyone on support, its all automated. Someone suggested using the prompt for disputing a transaction which will get you an agent but I'm still waiting for a call back. Their terms enforce arbitration and prohibit class actions unless you opt out via mail within 60 days. Arbitration costs them $2,000 to start, which they will pay. You can also sue them in small claims court. Hope that helps. Good luck.
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Product: Pathward Prepaid Cards
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Pathward
JE Meger @jjfunds
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1 Star Rating
Pathward Visa Debit Gift Cards are the worst cards on the planet. For example, a $50 card won't work if you try to make a purchase over $50.01, and it won't just cover $50. You have to spend the exact amount or less, leaving balances of $0.34 to $12 on all our cards.
Additionally, many of the cards get declined in half of the places you try to use them. The places where you can use them are pretty limited. Now consider this: If you use a card at a gas station or restaurant, it automatically holds back 20%, so a $50 gift card will not work for more than $42 at these establishments. If you go over, it will decline.
They do everything they can to prevent you and your employees from using these cards. I read a previous comment about a class action lawsuit, and I completely agree; someone needs to initiate one.
Avoid Giftcards.com. Pathward is probably one of the most unscrupulous companies I've come across, aside from banks that charge 24.99% interest or higher on credit cards.
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Product: Pathward Prepaid Cards
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Pathward
eastside_nn @eastside_nn
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1 Star Rating
Scam company that works with other companies to exploit the average person. They collaborate with companies like DTE and Consumers Energy to manage all their prepaid debit card payments. They convince these companies that offering their customers prepaid cards instead of physical cards or a check will save them money. In turn, Pathward gathers the funds while the customers struggle to access their money due to the virtual nature of the card. Want a physical card? That will cost you more than the amount in your account. You'll never be able to withdraw your money or even use it because digital wallets automatically reject these cards, regardless of the balance. People need to initiate a class-action lawsuit against Pathward and its partner companies.
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Product: Pathward Prepaid Cards
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Pathward
candy_cantrell @candy_cantrell
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1 Star Rating
Do not purchase the Pathward Prepaid Visa credit card. Transactions are declined at Walmart for an amount less than what's on the card. You cannot reach a real person when you call customer support. They flagged a service and declined it. I have stage IV breast cancer and had to leave everything in my cart. Worst card and customer service ever!
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Product: Pathward Prepaid Cards
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Pathward
CARLA WITHEM @luccegirl
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1 Star Rating
Yeah, I'll write a review. DO NOT BUY ANYTHING ASSOCIATED WITH THE BANK OR COMPANY!! ITS BUSINESS PRACTICES ARE "EGREGIOUS!" They have taken $150 from an elderly woman, and I have no way to access it or them! THEY WILL NOT TALK TO YOU!!
Get answers to your questions about Pathward below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The Netspend withdrawal limit is $325 per withdrawal and $940 per day from an ATM. In addition, you can withdraw up to $4,999.99 every 24 hours from a teller at banks and credit unions that display the Visa logo in their window.
Netspend Purchase and Withdrawal Limits
Type of Transaction
Limit
Purchases
$4,999.99 every 24 hours
Over-the-Counter Cash Withdrawals
(e.g., from a bank teller or retailer)
$4,999.99 every 24 hours
ATM Withdrawals
$325 per withdrawal and $940 per day
Prepaid debit cards can be used in two ways: to make purchases or to withdraw cash from a bank teller, cashier, or ATM. You can spend the full balance of your prepaid card without ever touching cash, but if you do find yourself in need of cash, you can withdraw it from your prepaid card.
How to Withdraw Money From Your Netspend Card
Visit a bank or credit union. Take your Netspend card to your local bank or credit union, and you should be able to get cash by speaking to a teller. Your Netspend card may charge a 2.75% of the withdrawal amount or $4.00, whichever is greater fee for this service.
Withdraw money from an ATM. The Netspend card charges a $2.95 fee to withdraw money from an out-of-network ATM, in addition to any fees charged by the ATM's operator. It may be difficult to withdraw your full Netspend card balance from an ATM, since most ATMs limit cash withdrawals to multiples of $20, $10 or, rarely, $5.
Get cash back from a retail store. When you make a purchase using your Netspend card and PIN at a retail store, you have the option to get cash back, effectively turning the cashier into a free ATM. The retailer may limit the amount of cash back they will give to customers who make debit purchases. In addition, it may be difficult to withdraw your full balance this way, since cash back is usually only offered in denominations of $20 or $10. There is no fee for this service.
The claim code on a Visa gift card should be on the back of the card. Please note that you may have to scratch the protective film off the back to view the claim code.
If you have a digital claim code, you should be able to find it in the confirmation email you received.
The ACE Elite™ Visa Prepaid Debit Card is provided by Pathward, N.A., a member of the FDIC. Pathward is responsible for managing the funds and providing the banking services associated with the ACE Elite card.
For the most up-to-date information you can check Ace Elite website or contact customer service at (877) 223-3341.
You can check the best prepaid cards available for you to make sure that whatever decision you go for really fits your goals.
Yes, you certainly can. You can obviously use a Western Union Prepaid MasterCard to pay billers that accept plastic, just like with a debit card or a credit card. The card also offers online bill payment services through third-party providers for when a check is required. This includes “one or more no-cost” options, according to the terms and conditions, but “some bill payment services are subject to fees.” Cardholders can see their options through the...
Yes, you can transfer money from your bank account to the Western Union Prepaid card. For details about adding money to your card you can contact the company that issued your card.
Unfortunately this card is not available for applicants outside the US. You need to be a resident of the US and have a SSN in order to get this prepaid card.
You can withdraw up to $940.00 from an ATM in a day, but an individual ATM withdrawal may not exceed $325.00. There is no limit on how much you can transfer in a day. Hope this helps.
Indeed, UPside Clear does not have a monthly fee. You can check all the fees associated with it and other UPSide products here: https://www.upsidecard.com/TC.aspx?chapter=fees . The reviews are simply referencing a previous version of the card that did charge a fee. Account terms change from time to time, but you can help other users find the best information by voting down the reviews that are no longer accurate. Good question! Thanks for asking.
Yes, you should be able to use your Western Union NetSpend card outside the U.S., but note that a 1% foreign transaction fee and ATM owner surcharges may apply.
Also, don't forget to tell Western Union's customer service department about your travel plans prior to departure, or else transactions might be declined due to suspected fraud.
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