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Netspend
Overall Satisfaction Rating
2.08/5
  • 5 stars
    170
  • 4 stars
    44
  • 3 stars
    37
  • 2 stars
    33
  • 1 stars
    438
Based on 722 ratings submitted in the last year
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Netspend

ConsumerAffairs Accredited Brand

Netspend is a leading provider of reloadable prepaid debit cards in the U.S. Our mission is to empower the millions of folks who don’t want or don’t have a traditional bank account. Netspend offers more than a piece of plastic with numbers on it. With a Netspend card, our cardholders get a bank-issued, FDIC-insured account that’s complete with fraud protection and global acceptance. Cardholders can even use unique virtual accounts for safe online shopping. Netspend gives cardholders the convenience of loading cash at more than 130,000 locations in the U.S., and the peace of mind that comes with getting paid faster with direct deposit. If you already have a Netspend card, “Thank you!”

5233 Netspend Consumer Reviews and Complaints

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Oct. 27, 2018

I went to NetSpend to cash my checks and it seemed like a better option than others. I've been a NetSpend customer for about 11 years now and I like it because it doesn’t act like a bank account. I have this whole thing about accounts being like tracking devices and they could put a hold on my money. Whereas, NetSpend is a bit more secretive and a bit more private. I can direct deposit my money and I can pay my bills, and everything works out fine. Setting up direct deposit to the card was extremely easy too. All tax checks also go in there. I don’t hold a bank account, so being able to transact as if this were one is extremely helpful because it attaches an ABA and a routing number to it and an account number. So if I need to pay for something online, I can do that. Paying bills or making online purchases is also very convenient.

I have gone back to the place where I purchased it, the David's Money Center, and I’ve had to reload several times if I need to add to what I already have in there. However, it's a bit of a pain in the butt because I have to pay to load. Every time I wanna load money, it costs extra $2. I also have had interactions with NetSpend's customer service team several times and some are better than others. And I was not too pleased with my most recent experience. I appreciate them for protecting my money, but they have shut down my card a lot of times when they see something that doesn’t look correct and they don’t tell me that they’ve just shut off my card.

My tax check had hit and I knew I had thousands of dollars. I took my son to the movies, but my card was declined. Even when I checked my balance online, it showed me all my money and it didn't say anything about it being blocked, so it looked like I could use it. Finally, I decided to call NetSpend and they said that there was fraudulent activity and they closed my card. I really went off. I asked why they didn’t tell me that and they said that they were sending me a new card. I said that I was embarrassed because I was trying to use money that I knew I had, but I couldn't. They’ve done that several times. And as the cardholder and as the owner of the money, I should have a right to be told about that.

The customer service team is okay, but they won’t accept any faults in the matter. They just keep going back to, “we just wanted to protect your card,” and I understand that. What I keep saying is that I have a right to know that they’ve closed my money down. However, no matter how many times I say it, they will not acknowledge that that’s a problem.

Although there are a couple of glitches, NetSpend still has been great overall. I would tell others that NetSpend is beneficial and that they should do it. There’s really no reason why they shouldn’t. The only problems I’ve ever had were initiated by somebody doing something they weren’t supposed to be doing. But with the direct deposit, it’s really convenient and easy to use. There are plenty of locations if you need to load it. You can walk into any bank and get a cash advance from any branches as well.

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4 people found this review helpful
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 19, 2018

I was having some financial issues and I had to close a bank account. I needed an alternative method to get my check and a girl I work with, Crystal, told me about NetSpend. I looked into other prepaid debit card providers, but they had the least expensive monthly charge. Since using my NetSpend card, every time I spend something, I get an email so I always know what my balance is and what I spent. It’s like a check register on my phone and makes it easier to keep track of what I’m spending.

The overdraft protection is my favorite benefit in using my card because the fee that they charge is a lot cheaper than a payday loan. Even if I have to do the $85 and I can’t give it back in 24 hours, they charge me $15. I've also been able to use my card to pay bills and make online purchases, and those are easy to do. It’s like any other debit card. For the most part, I use the direct deposit and setting that up was easy. I just printed out the form and took it to Human Resources. I get paid two days earlier and that’s why I still have my checks going there, and I've been with NetSpend now for seven years. When I get paid, I pull the money off the card and put it in my bank account or wherever else I need to put it. If I reload, I usually go to Walmart because it’s easy there as I can do it in any register.

I’ve had good and bad interactions with the customer service reps at NetSpend. They're like any other call center and they have people who are knowledgeable and those who aren’t. I’ve had great experiences with the reps, but the best thing is to not have to call them because I only call them if there’s a problem. I’ve had a couple of problems and these took a while to get worked out, but they got worked out. The reps have never not corrected anything that they should have.

I have a regular checking account now and there’s no money sitting on the card. My card has been hacked a couple of times, but when people hack it they assume that it’s a prepaid card and I don’t have money on it, so the hacking doesn’t go any farther. Those times when my card got hacked, NetSpend immediately shut down my account and sent me a new card. It was an inconvenience because they didn’t tell me upfront what they were doing. But still, nobody was able to access my personal information or get anything, so I’ve never had any problem with that. I’ve recommended NetSpend to several people.

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Netspend response

Hello Nancy,

Thank you for reaching out to us in regards to your experience with Netspend. We truly appreciate customer feedback, it helps us understand areas of improvement. We are truly delighted to hear that you have had such a positive experience. Thank you for being a loyal customer.

Netspend,

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 16, 2018

My wife signed me up with NetSpend and I started receiving my deposits there. I’ve had them for almost six years now. I had good experience with them for about five years straight and everything was good until somebody cleaned my account out on September 14th and withdrew my card for almost $900 over. While the people were spending money using my card to do things online, I was getting the email alerts, and so was the supervisor at NetSpend. He was telling me on the phone how people were spending my money and I was telling him to shut the card down.

I was told that I had made a purchase online about four months ago, so NetSpend's reps thought that was okay. I said that I made a purchase for $4.99 once, not every day, not twice a week, and not twice a month. The guy then told me that since I made a purchase online, he figured I was doing it again. I told him that they were costing me thousands that time. The people using my card drained the account and ran it up that high within five minutes. However, the rep just let it pile up until it was almost 1,900 in change and I had to pay it back while they made a 65-day investigation. My account was wiped out for $426 in cash that was on the card and I had to pay back 1,900, so I’ve paid out about 2,312 and I’m getting nowhere with them.

I was extremely disappointed to the point where I could not get anywhere with anybody on the phone with them. They were reading off a pamphlet saying that they understood, but I said that if someone else told me that they understood, I was gonna reach through the phone and pull them out of Canada. I had to raise my voice and get really stern on the phone, to the point that I was screaming at a person like a child. I shouldn’t have to call them to do something that they should have done before. I sincerely spazzed because times are really hard and I finally got nice little savings on the side and put it on to the card. It’s with MetaBank and it’s with NetSpend. It’s secure and no one is gonna rob a bank and take my money.

I finally got a callback from corporate in Texas. Someone right under the head people talked to me and he had apologized for their reps. However, I didn’t accept the apology and I said that it shouldn’t take them almost a month to call me back. He said that he even wrote a letter of what happened that night, but I said that the phone call was recorded and I told him to listen to the phone call. He asked what I was talking about, he didn’t even know. I said that I was on the phone with the supervisor while my account was being drained and it was only $2,012 missing when I called, but by the time he ended the phone call, while they watched it drain and while I was telling him to stop the card and shut it down, an additional $2,200 was taken off my card and I had to pay.

I can understand corporate can’t control everybody under their wing, but when I talked to a guy from their corporate office, he definitely tightened up on that. I had a good experience with NetSpend for a long time before this incident happened. I will tell others about my experience, but I wouldn’t tell them to go with a different company right off the bat. I would just say I had a good experience, but when a bad experience happened, it wasn’t handled professionally and correctly. I would still recommend them to a friend because one mistake like that in five years is still good.

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Netspend response

Hello Richard,

Thank you for reaching out to us in regards to your dispute claim concerns. We sincerely apologize for the unauthorized transactions that took place on your account.

After reviewing your account, our records show that you previously spoke with a member of our Customer Experience Team. Your claims were also credited back to your account. If you have any additional questions or concerns feel free to contact us at social@netspend.com.

Thank you, Netspend

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: June 2, 2018

I was in my second year of college when I decided that I wanted to be a full-time student and I stopped working. I had a hard time dealing with my credit cards, so I decided that instead of having a normal credit card, I would just get a prepaid one. That way, I wouldn’t have to go through the same things that I went through with the regular credit card and I could still have another form of payment. So, it was just more convenient for me to have Netspend. There was Rushcard too which was also convenient, but it was just Netspend that really stuck with me because they gave the option to pay a monthly fee or pay as you go either through debit or signature. Also, their fees are low.

I use my Netspend card to make online purchases. But I've had a few issues paying bills online as the website didn't have the options that I wanted. It only had Western Union or some other options that took a few days. Last month though, I was talking to a customer service representative about it and when I went to the site, the options were totally different from last time and it looked like it was more convenient. I just find it more convenient either to go to the place and pay them directly, make a money order, or call and pay over the phone. I also thought that I have the option to do checks since Netspend offers an account number and routing number, but the lady I talked to said they don't accept checks. That would be nice if they do, but I understand that that is something they couldn't do.

With Netspend, I can receive my direct deposit payment instead of me having to have a bank account. Also, since I have a few Netspend cards, when I need to transfer money from my main card to those other cards, I can do that. I don't have to worry about someone stealing my credit card information too as that person won't be able to charge my card because it's either there’s no money on there or there’s no available balance. In the past, someone got my credit information and because I only have around $50 there, the person was able to charge only a small amount versus if it was a credit card and has $300 to $500 available on there, that person could just take whatever.

Then with that issue, Netspend really worked with me to resolve it. One thing that I hate, though, is their process. If you call and you’re not sure about a charge, they want to just shut everything right there and then and send a new card. Also, it’s annoying when you’re calling and you can easily tell that they got a call center overseas because some of their representatives don’t really understand you and you don’t really understand them. I've had a few other representatives and they didn't understand what I was calling for, so they screwed up the whole purpose of my call.

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Netspend response
Dear Pamela, Thanks for the feedback. We strive to create features and tools that will benefit our valued customers. Your observations and suggestions are important as they help identify where we need to improve.
Thank you,

Netspend

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 30, 2018

NetSpend had a black VISA card and I'm really vain like that. It was cool and that was all it took to go ahead and go with them. It was very convenient to manage my finances since I started using NetSpend. The texts and emails for all the account activity are phenomenal and the on and off of the overdraft protection is a nice touch. It's just that everyone doesn't take MetaBank so I don't have the option to pay everything with it. But with my online purchases they know my patterns so I do not worry. If anything comes up that's not mine, I don't have a problem when I call to dispute it.

We mainly use the direct deposit instead of the reload locations. The good news is I could take a picture of the front and the back of a check and deposit it that way. They are closing down a lot of the ACE Check Cashing all over the place especially in Texas. They're dime a dozen. It used to be tons but now there are selected few. They made allowances for the lack of brick and mortar buildings. I could take a picture of the front and the back of the check if there's any discrepancy whatsoever. Usually, they'll deposit it on the same day. It's just the same as Chase Bank and it costs less.

NetSpend's customer service is some of the best I've ever received. I used to be a coordinator between management and a call center so I know customer service. I've not had a bad experience except maybe once at the very beginning. The rep didn't have the command of the English language and didn't understand what I was asking him so he got very defensive instead of forwarding it to somebody who knew better. It sounded like I was condescending but I wasn't. I did speak very plainly and I am articulate so that was not the issue. I thought it was one of those new reps. And it was when they outsourced it but now that it's back here in the country, it's a lot better. And even when it's not, they have a better command of the English language and they ask you to repeat it if they don't understand. I appreciate that more than trying to guess what I'm talking about.

My overall NetSpend experience has been pretty good. They are outstanding. There was nothing to complain except that the Department of Education keep on taking my refund so NetSpend keeps sending me a card that never gets enough to put on it. NetSpend has been nothing but more than a surprise. They have been the longest so I don't have to go with any of the other ones that had come up. I've already recommended NetSpend and several people have taken it in.

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Netspend response

Hello Frances, We greatly appreciate the wonderful review and we are happy to hear that you are satisfied with Netspend's features and services. This review and information let's us know where we are doing things right and also where we need to improve. We look forward to assisting you in the future and we appreciate you using Netspend! - Thanks, Patrick

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Customer increased Rating by 3 stars!
Verified Reviewer
Original review: May 19, 2019

Netspend direct deposit site claims NO HASSLE and NO WAITING... They say funds are deposited directly on to your card. No more waiting for checks to clear or waiting in line to cash a check. YOU DO HAVE TO WAIT FOR UP TO TWO DAYS TO GET YOUR MONEY. If I load my card at 7 Eleven, within minutes it's posted to my card. My employer pays my direct deposit on Friday at noon. I don't get my money until Monday. THIS MAKES NO SENSE! Netspend customer service has Saturday hours even. When I called Saturday I was first told I did not have a deposit pending but same conversation with another rep said, "Yes it's there to be processed. You will get it Monday." This is false advertising and bad business.

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: May 19, 2019

I received a Netspend card from company I dealt with. I was told it was a gift card. Turns out it is anything but a gift card. I activated the card online and required to give personal information such as social security number and address. This is not proper for a gift card. As said initially company that gave me the card was under the impression it was a gift card.

When I used the card it was not honored. The store told me to call Netspend to find out how much money on the card. When I called I was told that I must provide the last four of my social security number or they would do nothing for me. Again why do they require my social security number if they are marketing the card to companies as a gift card. I will never use Netspend and will ensure that everyone I know that Netspend is not a gift card and that there are better incentives to customers than one that requires social security number and personal information.

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 19, 2019

BEWARE!!! Just so everyone is aware this company will not reimburse you for accidentally making purchases on fraudulent websites! I got scammed on 2 different websites and Netspend won't give me my money back even after showing proof I made the purchases and never received my items! This company doesn't care about their customers or the fact that you got scammed online and will let these people run off with your money!! It really sucks!!!

I have a friend that got scammed from the same website and her BANK happily returned the money back BUT NOT NETSPEND! I WON'T PUT ANOTHER DIME OF MY MONEY INTO THAT ACCOUNT! I can't believe they don't care when any legitimate bank will take care of these types of issues if they ever occur! I should have known my answer when after filing it states "you aren't guaranteed your money back". What a joke! I guess that's the price you pay for messing with prepaid cards! They don't mind charging you for using their cards/company but when you have a problem they leave you high and dry! Netspend has a scam of their own going on!!!

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 19, 2019

I get a email to get a new card. It started there. Hell to get it authorized. Not soon after the card cracked. I asked for a replacement. $9.99??? It's not enough you charge to put money on it, and per transaction, you want to stroke me because you sent me a crap thin card. I told them where the sun doesn't shine, and with money on my card they locked me out of my account. Stay away.

Netspend response

Hello Scott,

Thank you for taking the time to speak with me. I am glad we were able to resolve your issues. Please email us at social@netspend.com if you have any additional questions or concerns.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 16, 2019

On 5/3 I get a text saying a charge has been made at papa johns pizza in Atlanta Ga for $72.61. Following that alert I get another text for $744.72 for the holiday inn express in Atlanta Ga. I Live in California and was currently in California I contact control Net spend and they are closed. I blocked the card. I didn't sleep good all night because those funds were for my bills that were currently past due. I woke up and contacted net spend and let them know that I never authorized the charges and wanted them reversed. I was told that I wasn't able to dispute the charges until the posted currently the charges were pending. On 5/6/2019 I was able to dispute the charges. I haven been doing business with netspend for over 8 years. It's 5/16/2019 and im still waiting for my funds to be returned back to my account.

When I called to get a update on my funds from the dispute team I was told that im not allowed to talk with them until after the investigation. This situation has became frustrating. I am a single mom of 6 living pay check to pay check. I don't understand how someone was able to get access to my funds without using my card. My card was in my possession in California at the time of incident. I have wrote the dispute team many times letting them know that currently my lights and water is cut off because my funds was able to be access by a strange without my consent. I am considering changing from net spend to a regular account. I feel like my business with them has not been Valued nor do they care about my situation.

At this point I have found myself begging them to help with this situation and give me answers or no contact number to where my funds have been issue out to. And the icing on the cake is that after I blocked my card a purchased for $19.00 and $223.59 from the holiday inn express. Was able to push through on a blocked card. Those cards never were pending. They just appeared without any warning. I thought my funds were safe and I could trust net spend. Now I am waiting to see when my funds will be returned. It's 12 days later. This situation has me and my family stressed out.

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Netspend response

Hello Lynn,

Thank you for taking the time to speak with us today. Please email us at social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend

2 people found this review helpful
Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 16, 2019

You are not guaranteed to receive your direct deposit up to two days early mines mostly come Thursday night! Customer service never have an answer for you so it's pointless to call them. It has no other perks for me to keep nor recommend this card to anyone!

Netspend response

Hello Nerraw,

We are sorry to hear that you are unhappy with Netspend. Our records show that someone from our Corporate Office has contacted you. Please email us with any additional questions or concerns.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: May 16, 2019

So I kept getting advertising about the card so I get one. I wanted to really use and trust this card. So I tried to get it to automatically take money and move to savings every payday. It worked one time. Then I go to sleep and wake up with a crazy charge on my card. No notification of text message or nothing. I call and they tell me to wait until charge go through THEN call back.... tomorrow! So I just closed account cancel direct deposit and I'll use this card to open back door when I lock myself out again! I'm so disappointed not to mention out of some money.

Netspend response

Hello Keeley,

Thank you for taking the time to speak to me today. Please email if you have any additional questions or concerns.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 15, 2019

I've been in Netspend prepaid card user for quite a while. It's very convenient for me to deposit money and do things online. I just recently started using Uber until this month I have never had a problem with Netspend. I put money in the account. I use Uber a couple of times and last week I was sitting in my house and I had gotten a text message from Netspend saying that money was taken out of my account for a Uber ride that I didn't authorize so I call them up. I had to file a dispute with them. They refunded the money back in my account for the rides that we're not authorized except for one. I am very frustrated because that was my last money that I had on that card to buy some things for my house that were needed and they didn't credit everything back to my account. There's still one dispute pending. It makes me kind of upset because I never authorized this ride and the money to be taken out of my account.

Now I have to wait until next month so they settle a dispute for my own hard working money. I don't think that's fair. The same way they deposited the money for the other dispute that was settled it's only fair that they deposit the money from this other dispute as well because I never authorized this ride and funds with taken out of my account that I needed. I just think it's unfair and the money should be put back into my account that was taken out because I never authorized this money to be taken out of my account. I'm very frustrated and upset with this. I love using Netspend but if they make me wait till next month to get my money back I'm not going to use this service anymore because it's not fair to me.

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Netspend response

Hello Pedro,

Thank you for taking the time to speak to me today. Please email me if you have additional questions or concerns about your account.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 13, 2019

Updated on 05/16/2019: I have spoke with multiple people about fraud done to my account. They said that they found no errors which tells me they did not do a thorough investigation! They simply can tell that I did not spend 3,021.06 in one night!! I will be sueing this company! I suggest that no one use this company ever again!

Original Review: I have had Netspend/Skylight for a while and never had any issues with fraud. As soon as I got my tax money someone has used my account and spent 3,021.06. I have reported this to the police and also my bank as soon as I noticed it! I received a email saying that there was no fraud committed and they will not be giving me my money back! I need my money back! I have contacted Skylight several times and I keep getting the run around! I am currently on the phone now waiting for a manager! I been on hold for 40 mins now!! I am going to sue their ** because this is crazy! There was obviously fraud done to my acct and for them to tell me it wasn’t is beyond ridiculous!! I will be suing!! To everyone out there do not use this bank for anything!

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Netspend response

Hello Jasmine,

Thank you taking the time to speak to me. Please email us if you have additional questions or concerns.

Thank you,

Netspend

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Rated with 1 star
Verified Reviewer
Original review: May 12, 2019

I am overseas and have no intention of returning to the USA. I planned to spend-down the money in my account before the debit card in my hand, issued by Netspend/Skylight which has an expiration date of 12/2019. BUT they canceled this valid, unexpired card and now will not help me access my money. There is about $700 in my account. Not a lot of money, but it is MY money. My account has always been in good standing. I did nothing wrong. I did not cancel my VALID card, they did!

NOW, they won't help me. I make very expensive phone calls and write messages to them. They say, sorry, we can't help you! This is unacceptable. I have offered several ways, all at my own expense, for them to send me my money (bank transfer, online money transfer (Moneygram, etc. ), mailing a new debit card to me overseas) and yet they refuse to help me. This is beyond absurd in 2019 that someone would be treated like that when we live in a global society.

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4 people found this review helpful
Rated with 2 starsResolution In Progress
Verified Reviewer
Original review: May 12, 2019

Someone stole my money and my landlord is gonna kick me and my kids out and Netspend not helping. I’m gonna be homeless messing with them. All I want is my money that someone stole from me after getting told they was gonna credit to me. Very pissed.

Netspend response
Hello Sherbra,

Thank you for speaking with me about your account. Please contact us at social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 10, 2019

I have a Netspend prepaid card and took the time to look at my account today. They charge you over $5 just to have the card but 50 cents to check your balance and $2.50 to withdraw your money at the ATM, which means $2.00 ATM fees turn into $4.50 every time you withdraw your money. I paid Netspend $70 last month to get my money, I would not recommend Netspend to anyone. Total Rip off!!!

2 people found this review helpful
Customer increased Rating by 4 stars!
Verified Reviewer
Resolution response: May 10, 2019

Netspend resolved the issue in the ten days they promised, and followed up with me directly. I don’t feel like a lot of companies will do that, so I appreciate them and will continue using their services. This was an unfortunate event that effected both myself and the company, and I appreciate them making every effort to help me in this situation.

Original review: May 9, 2019

I woke up on April 25th to see there had been several unauthorized transactions on my account late the night before into the early hours of the morning totalling $1298.50 in California. I live in Las Vegas and have not been in California. Moreover, I sleep from 8pm-4am due to my work schedule and would never be withdrawing that kind of money that late at night. I panicked, immediately cancelled both cards on my account and waited for customer service to open and immediately filed my dispute with them.

I gave all necessary documentation and filed a police report. They said I would be credited on May 9th - I have yet to be credited. I am disturbed they would even allow that many withdrawals to occur in the first place without stopping them, but even more disturbed at how long it is taking to get a resolution. My money is absolutely gone, I’m a hard working single mother and I feel so incredibly violated, and I don’t feel like NetSpend is doing their best to protect the consumer.

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Netspend response

Hello Amber,

Thank you for taking the time to speak to me about your dispute. Please email us if you have additional questions or concerns.

Thank you,

Netspend

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Rated with 1 star
Verified Reviewer
Original review: May 9, 2019

I have been with Netspend for years, and they closed without a letter or any reason in writing. My wife passed away, and Social Security asked for funds back from the account. Netspend sent them the money back, but they won’t give me the money that was rightfully mines, that was left in the account. This was in my name and my wife direct deposits would go in the account. When her death was reported, I did not touch the Social Security money they had sent. I didn’t know that they would shut my whole account down and refuse me my money that was also in the account. I have been calling nonstop and the card is no longer active. The account is locked and the terrible agents are not helpful on how I can get my money returned to me.

I feel this is fraudulent how they took my money, and closed the account. I don’t have any instructions on how I can get my money back. This account was in my name with my Social Security number. My wife and I were both getting direct deposit. So I’m very confused on how they closed my account. I dealing with the loss of my wife and money that belonged to me to help with expenses. I will never trust this company again with any of my money. I need this company investigated. I know there is others who have had their money wrongfully taken by this company.

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4 people found this review helpful
Customer increased Rating by 3 stars!
Verified Reviewer
Original review: May 8, 2019

I received a Visa Netspend card for Christmas in 2017. I just realized I had it. I called to activate it and found out I only have $16.70 on it. I have the original receipt from the store it was purchased from and $100 was loaded on it. When I called and spoke to someone, they told me they charge a $5 maintenance fee. Really...Why? It was a gift card given to me. Such a shame to have over $80 gone to waste. I know I will never purchase one of these for anyone! The person who purchased it for me probably had no idea about the monthly fees. PS....Nope I did not read the little insert that comes along with it, so if it does say that fees are taken out for not using it, yep, I missed it!

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Rated with 1 star
Verified Reviewer
Original review: May 6, 2019

This weekend my account was broken into 3 times in a matter of 30 minutes, talked to customer service each time, all while the hacker knew my security words even after changing them on the phone only to call back and try to MoneyGram my entire balance. They changed my address, reported my card stolen, etc... My account now frozen with all my money and they want me to send in pictures of my SS card, ID and utility bill... I am so frustrated!!! And don't know what to do as I am not comfortable sending my SS card... Is there a data breach on their end? I was alone in my car with windows rolled up and these criminals knew my new security word within 5 minutes.

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Rated with 1 star
Verified Reviewer
Original review: May 5, 2019

After more then a decade using Netspend cards, today will be the last. Just spent 3 days trying to load $1400.00 onto my card, but it keeps being rejected. The store trying to load my account said that Western Union is rejecting the load and to call them to find out what the problem is. I called Western Union and spent more than an hour being passed from one person to another only to be told that my account is in excellent standing and Western Union doesn't understand why they won't pass the money onto Netspend. I also contacted Netspend several times only to be told that there is no problem with my card and to call Western Union again. The card is convenient, but if you run into any kind of problem, you are on your own and may have to obtain legal assistance to get your money.

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: May 4, 2019

LOOK ELSE WHERE!! There are far more other prepaid services with much better services. My most recent issue. I have Netspend all access with overdraft protection. They charge you $15 per overdrawn transaction and you must have direct deposit to qualify. But what they fail to mention is all the restrictions that come. Which is illegal when you're signing people up for your services and doing things at your own discretion. My account was overdrawn normally. I let my direct deposit clear my negative balance. This time I was in need of money so I borrowed money to load in my account so I could use my overdraft cushion.

The following day my account was restricted due to too many overdraft (not like they wasn't paid). I didn't get any notice before it happens. Now I'm stuck with no money, food, gas. When the money I had I could have kept. It's seems very shady the moment I load money you restrict my account saying you can't lift it or anything. Poor service. Just know it's prepaid service - you get what you pay for. I will be ending this relationship with Netspend. I won't ever allow a business to have me in a situation and not have a care in the world.

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Netspend response

Hello Shundresa,

Thank you for taking the time to speak with me today. If you have additional questions or concerns about the optional Overdraft Protection for your account, please email us.

Thank you,

Netspend.

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: May 3, 2019

I went to take some cash out at an ATM machine. The machine did not connect to the server and failed to give me the $200 I requested. I tried again and the same thing happened. When I returned to my car there was a message on my phone that I withdrew the $200 and it was subtracted from my account. I gathered my receipts showing that no money was dispensed and called Netspend when I returned home. I took pictures of the receipts and e mailed them as requested by customer service.

You would think with proof in black and white that an error had occurred that my money would be returned to me quickly , that was not the case. Customer service explained that they had 10 days to look in to my case. They also told me I could request a temporary loan for the money so I did. Loan approval also takes 10 days. I am very disappointed with Netspend after years of being a customer that they will not resolve an issue with proof of error in a timely manner. I have already begun researching other companies that do the same thing as Netspend, and when my money is finally returned to me I will be switching to another company.

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Netspend response

Hello Brandi,

I am sorry to hear about your situation. Thank you for taking time to speak with me. We are still working on your claim. Please email us if you need further assistance or have additional questions.

Thank you,

Netspend

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Rated with 1 star
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Verified Reviewer
Original review: May 3, 2019

I have my checks directly deposited from my employer. The check was issued to the bank on Wednesday, today is my payday and I still have not received my paycheck. This is extremely frustrating and I do not plan on using this bank AGAIN!!

2 people found this review helpful
Rated with 2 stars
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Verified Reviewer
Original review: May 2, 2019

I recently just had my Paycheck direct deposited on my Netspend card. The day it was suppose to be loaded, I checked my account and the money wasn't there. When I called to speak to someone about it, they told me they've returned it and I can't even access my account online saying account locked. I'm really pissed right now. I've gone with no money. My bills that were due are now behind. Have no gas money to make it to work or get food for my family.

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 2, 2019

My ex husband was allowed to order a new card on my account and change all my passwords during our divorce and he spent everything on my card that I had saved for the baby that he abandoned. I disputed the charges as soon as I realized that my card that I had was shut off and upon resetting my password found out that he cleaned out my account, they closed the disputed claim with no refund. How is this allowed, I needed that money for my baby, and he was allowed to steal it all. I have changed all my info to secure my account from him. Netspend used to be a good card, not anymore though.

Netspend response

Hello Jackie,

We are sorry to hear that you are unhappy with Netspend. Someone from our Corporate Office attempted to reach you via phone. We have also sent you an email. You are always able to respond to those messages or email us.

Thank you,

Netspend.

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Customer increased Rating by 4 stars!
Verified Reviewer
Original review: May 1, 2019

I’ve had NetSpend for over 4 years now. I have never had an issue until they abruptly closed my account. I called to get a stop payment on an ACH that I didn’t realize I had setup previously. I paid the merchant with my debit card via representative. I was told to contact my bank MetaBank to get a stop payment. The representative gave me a claim and reference number. The next day my account is closed.

I call to find out why and the telephone representatives can only say there was fraudulent activity on the account. I have reiterated several times there was no fraud. No one can tell me anything. It’s like Toy Story when the aliens kept saying “the claw" .... They keep saying, "Our higher department." "High risk." "How do I contact them?" "You can’t." "Only through email." "What’s the email???" "Oh YOU can’t contact them." Only we can. How can your customers not reach that department? Any normal bank would have done the stop payment. They closed my account.

I have a direct deposit that comes to the account. It’s the first of the month. Bills are due. I ask when will they return the funds to my employer and the representative states it’ll take 6 days. No one had answers. Not the representative, their supervisor or the supervisors manager. I loved my account. I loved my early pay. Currently I would NEVER direct anyone towards Netspend after this incident. I’m stuck with minimal funds and can’t access the funds I earned working.

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Netspend response

Hello Tae,

Thank you speaking with me today. I am glad that we were able to give you access to your funds. Please email us at social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend.

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Rated with 1 star
Verified Reviewer
Original review: May 1, 2019

They took money off my card and refuse to return it. They say I must wait 45 to 90 days. This is bs. They certainly didn't wait to take my money. This is not fair to me and will be filing a lawsuit and then maybe I will get my money back.

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: May 1, 2019

I have been using Netspend for years now on and off and I'm just starting to have problems with my payroll checks, I have yet to receive my money 2 days early. What's really going on? Can you explain to me why this is? I will sue for false advertisement if need be.

Netspend response

Dear Tauja,

Thank you for speaking with me today. I am glad that your issue is resolved. Please contact us at social@netspend.com if you have additional questions.

Thank you,

Netspend.

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Netspend expert review by Barbara Friedberg

Netspend is an American provider of reloadable prepaid cards and other financial services. They have been in business since 1999 and work with more than 10 million consumers to make purchases and pay bills, according to their website. Netspend offers FDIC-insured Visa and MasterCard prepaid cards. This is important because not all prepaid cards offer FDIC insurance. But note that prepaid cards do not help you build credit even though you’ll see a Visa or MasterCard logo on the card. Visa and MasterCard are only the payment processors for the prepaid cards.

  • Prepaid cards: Netspend offers prepaid cards for Americans who either don't have a traditional bank account, such as checking or savings, or who can’t get a decent credit card due to a poor credit history. These consumers are often referred to as “the underbanked” because they lack access to traditional banking relationships. With a prepaid card, consumers load their own money onto the card. The card can then be used to make purchases. For those who don’t have a bank account, this is especially helpful for making purchases online or when you need to pay bills.

  • Costs: There is no cost to open the account. There are three purchase plan options to choose from, including a pay-as-you-go plan.

  • Corporate cards: Netspend has many prepaid card solutions for corporate clients that are useful for both employers and employees.

  • Widely accepted: The company has over 70,000 distribution locations across the country and 130,000 reload points where consumers can purchase and reload their prepaid cards. These include retailers, convenience stores, grocery stores, check cashers, pharmacies and tax preparers.

  • Customer Support: If you need help, you can contact Netsxpend via email, snail mail or phone. If you decide to call, customer support is available seven days a week.

  • Best for: Those who can’t get a traditional bank account but need to make purchases and pay their bills. Also, these cards can be used by companies who want to use prepaid cards to fund a variety of situations, such as paying an employee’s bonus or managing employee expenses.

Profile picture of Barbara Friedberg
Barbara Friedberg Personal Finance Contributing Editor

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

Netspend Company Information

Social media:
Company Name:
Netspend
Company Type:
Public
Ticker Symbol:
TSS
Year Founded:
1999
Address:
PO Box 2136
City:
Austin
State/Province:
TX
Postal Code:
78768-2136
Country:
United States
Phone:
(866) 387-7363
Fax:
866-358-0526
Website:
www.netspend.com
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