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Netspend
Overall Satisfaction Rating
2.10/5
  • 5 stars
    161
  • 4 stars
    39
  • 3 stars
    38
  • 2 stars
    38
  • 1 stars
    450
Based on 726 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!”

5320 Netspend Consumer Reviews

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 3, 2019

I love NetSpend. I've had my account for about six years now and I’ve had so many direct deposits come into my card. I've also used the card a lot. When I talk to their reps, not one time did I ever have anybody rude or someone who tried to rush me off the phone. I never got things that showed me they really didn't care or have times when their reps gave me some textbook-type answer and I wouldn't even know what they meant. Everybody has always been patient with me. Even after their reps solve my issue, they explain to me how that issue even came about and what ways I can use to prevent myself from even getting such an issue.

One time, I was at a self-service gas station, I didn't know that with certain stations, the hold that the pump would do when I swipe NetSpend's card wouldn't show. When I called, their rep explained everything to me and calmed me down. She said that they actually charged my card for $45. Also, I’m starting to run into problems wherein a lot of the places I go to are saying that they don't accept prepaid cards. I tried to sign up for the Earnin app where you can receive an advance on your paycheck but then they don't accept a prepaid card. Also for Lyft or Uber, I tried to put my card on their app but then it said that they don't accept prepaid cards. That was a pain for me because my car was at the shop that time and all my money was in my NetSpend card. I had to call a taxi which charged way more money.

Also, if I was banking with one of the major banks, I would have been able to help my credit. I'm trying to get more established and build my credit but then nothing really builds my credit with the prepaid card. So now, I'm thinking I may have to have half my paycheck deposited into a checking account and then the other half deposited into my NetSpend account. By doing that, I can still be able to access my funds two days earlier.

There was also one time that I got charged when I wasn't supposed to. Once again I called and told NetSpend's reps. They put the money back on my card and did not ask me a whole bunch of questions. They didn't think I was lying or trying this and that. With a lot of other prepaid card providers, they make users go through a really long strenuous process when you’re in situations like that. I really needed the money at the time that happened to me, so what NetSpend did helped me out a lot.

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Rated with 5 stars
Verified Reviewer
Original review: March 29, 2019

I have been a Netspend user for many years. I use it strictly. Direct deposit and all bill pay and everyday living. I have the All Access account now. Love it. I’ve never had a single problem and the 2 occasions I did? Resolved by customer service quickly. Even with the CSR’s terrible English. I LOVE the fact that you can transfer money to any Netspend card through the app in about 30 seconds. You can save any flash ID for whatever card you transfer to. And it costs nothing.

I wish you could do more than 4 transfers in 24 hours because I have 4 kids and if they need money any time, any place. I can transfer it to them in 30 secs. I’ve literally had my fiancé at checkout for groceries and have the total rang up and her text me saying she needs whatever amount. I have it sent to her card the exact amount to the penny INSTANTLY. Without making the people behind her wait whatsoever. Money is always available INSTANTLY. I go on my iPhone app and hit “move money” icon. “Send” Icon. It pulls up my list of family member. I tap “WIFE”. Punch in my card # and CVV code for security purposes. Hit “confirm”. And BAM. The second I hit confirm it’s available.

Also the text alerts are awesome. Someone uses my card and I know immediately. The app is as good as carrying a bank in your pocket. Anything you need you have with the app. Find an ATM, Western Union, transfer money card to card or from a bank account, it shows all past and present purchases and charges. I love the balance protection feature. It’s only $15 charge for an overdraft. But it gives you 24 hours to deposit the money with no charge. So if tomorrow is payday and you have direct deposit? You need gas, something to eat. Whatever.

You can use your overdraft and it won’t cost a penny because that paycheck will be in there 1st thing in the morning. Great for kids in college or high school. If they need money for anything but they are 100 or 1000 miles away? It’s just as fast as if they were standing right in front of you and all you had to do is reach in your pocket and pull the cash out. It’s just as convenient. Any emergency. No matter when or where they are. 30 seconds and they have it. Basically any amount. I think my app access is $7500 max for one day. Different accounts differ as far as fees and such.

I only pay $5 per month and have unlimited purchases and 1 free ATM withdrawal per month and no extra fee ever if I use an ATM in the network. Just a charge for whatever the ATM owner charges. As opposed to paying the owners fee PLUS $2.50 Netspend fee like the standard card off the shelf. If you get just a run of the mill basic Netspend account it’s $1 minimum every purchase. Up to 2.50 depending on how it’s categorized. So for someone like me that uses Netspend strictly? $5 a month is the way to go.

Although I think for someone who’s such a loyal customer like me should get free unlimited purchases. Without the $5 monthly fee. Maybe a $2.50 max if ANYTHING. But I can’t complain much really. I can make international transactions for online sports betting. Which is what initially brought me to Netspend. Because the only way you can bet on football online for real money is the that loophole they use by banking internationally. Which is now changed and becoming legal in most states and I’d say soon EVERY state. But I can make foreign purchases for about 3% of whatever I’m paying for. And nothing else but that one fee.

I could go on and on with the awesome benefits of Netspend All Access. It’s the only way for me. I even have a Netspend Savings account. And it’s free. No minimum balance and pays interest. 6% APR. I signed up through the app. Took me about 1 minute. Started dropping $25 a week every payday. Set up recurring. I can stop it any time. Jump on the app and it’ll be done in a minute flat. I can’t say evolving about Netspend All Access. All I can say is these bad reviews I’ve been reading on here? You can clearly tell most of them are inbreeds, or just plain stupid. Or just full of **. Period.

Oh yeah, and if you use Netspend and you don’t have the app? You're insane. Or stupid. One of the two. Also what I do for a failsafe is I keep 2 cards and 2 separate accounts for me personally. One of them is just basic. I barely use it. Only for crap where you get a free trial or something like that and they need a card to set up payments if you don’t cancel. Because I know there’s no money on it so if I forget I won’t get charged. But I keep that card put up so that if I lose my main card I can just transfer my paycheck over to it until my replacement card arrives. Then transfer it back. Doesn’t cost a thing and I won’t be stuck waiting on the card. I transfer everything to the spare card before reporting the main one lost or stolen. Because they freeze the account once it’s reported. Then you’ll be stuck till you get the replacement. There’s so many more great features but I’ve spent enough time sucking Netspend’s balls.

I just started reading the bad reviews and was like... yeah. These are some bonafide cousin ** idiots. And I felt compelled to give a real review from a regular, middle class, Joe Schmoe that has common sense and doesn’t just make fake bad reviews because I’m bored. And is fairly educated and not a hilljack with a 3rd grade education. Thank you. I highly recommend Netspend All Access.

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Netspend response

Dear Clifton,

Thank you for your feedback! We are excited to hear that you are very happy with our card. We strive to create features and tools that will benefit our valued customers.

Thank you,

Netspend

3 people found this review helpful
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
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,

3 people found this review helpful
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 5 stars
Verified Reviewer Verified Buyer
Original review: July 20, 2019

I’ve been with Netspend for so long. I get paid two days earlier with the card. And since having it, I’ve paid some things earlier than the due date. I love that. I also use their reload location. I got one right down the street where I live. Also, their team has been great. They answered the questions promptly and quickly. When I had a problem with an unauthorized transaction with my card, they got right on to it.

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Rated with 1 star
Verified Reviewer
Original review: July 19, 2019

I CAN'T ACCESS MY CARD. YOU GUYS BLOCKED ME FROM EVERYTHING. I JUST NEED A REFUND OR SOMETHING OR ACCESS TO MY ACCOUNT. I tried calling every number related to you guys they don't work. I tried emailing you guys y'all don't respond. The police is the next step.

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: July 18, 2019

I have previously posted a review here detailing my issues with Netspend delaying my direct deposits. The issue seemed to be fixed with my next two direct deposits, however, yet again, my paycheck is nowhere to be found. I’m not even going to bother calling customer service because all I ever get from them is a bunch of ** non-answers. I’m so beyond done with this company I can’t even see straight. Just stay away from Netspend. They’re not worth the headache.

Netspend response

Hello Emily,

We are sorry to hear that your direct deposit is not arriving as early as expected. We aren't able to predict when your deposit will get to us because we don't have any control as to when it is sent.

Our records indicate that our Corporate Office has been in contact with you regarding your concerns.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: July 18, 2019

Netspend is nothing but a bunch of lazy criminals that will alert you that there's possible fraud on your account but then they let the charges go through EVEN AFTER BEING DISPUTED! They parrot rhetoric from a screen and just give you the run around. Let the buyer beware!!!! You will not recover your money in the event of fraud!! It will fall on deaf ears!!! Criminals!!!!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 17, 2019

I like the fact that with NetSpend, I get my pay a day or two earlier, and it’s reliable. It’s always there and the reps are great people. I have already recommended it to a whole bunch of people.

Netspend response

Hello Steven,

We're glad to hear that you are happy with your Netspend services.

While we don't have any control over when we receive your deposit, we will post it when we get it so that it's immediately available for you to use.

Thank you for the review,

Netspend

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Rated with 2 starsResolution In Progress
Verified Reviewer
Original review: July 16, 2019

Since January I have received my check in the Tuesday before my actual payday which is Thursday at 12:06 pm. It’s now 7:49pm and I haven’t been paid yet. Now I’m worried reading these other reviews. I called and the rep can’t see my deposit however I have confirmed that payroll was completed in time by HR.

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Rated with 2 starsResolution In Progress
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Verified Reviewer
Original review: July 16, 2019

OK so I recently had to dispute a duplicate charge on my account. My credit card payment went through twice instead of a single payment. I noticed the issue, called my credit card company and they didn't see two payments on their end. I knew to call them first because I worked for Chase for years, always call the merchant first. So next step was to call Netspend.

I called and told them the issue, filed a claim and was told I had to wait 10 days to get results from the claim but I could get a provisional credit up until the dispute was settled. I did what was told to me by the representative, my request for provisional credit was received as well. I called to see why I still do not see the credit in my account and the representative stated I cannot get the credit until 10 days after I submitted the request. Whattt??? This makes no sense. The time frame to receive the credit is the same time frame to receive the disputed amount. So now I'm stuck with no money at all! I have a kid to feed and a job, with no gas and no other means until I get paid next week Friday! Thank you for nothing Netspend. :(

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Netspend response

Hello Savana,

Thank you for taking the time to speak with us. Please send an email to us if you have additional questions or concerns.

Thank you,

Netspend

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

Bought a Netspend card, at first I loaded $20. Used it once for $8.99. Then my card balance was 0. Then I tried calling. No one answers and all you get is a auto recorded message. Then I add another $22 a charge of $15.99 I did not authorize. I called to customer service. They closed my card. I get a text that I was refunded money. So I try calling customer service again and no real picks up the phone. When I talked to someone before they said I had to wait until they researched it several days to get my money back? Plus they charged me for the transaction? I feel ripped off! They should have immediately refunded my money. I reported them to the Texas State Attorney because I’m a disabled veteran in a wheelchair and that money was for medical medicine I needed.

Netspend response

Hello Matthew,

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

Thank you,

Netspend

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Rated with 5 stars
profile pic of the author
Verified Reviewer
Original review: July 16, 2019

Hello people, I have been ripped off so many by fake hackers who claimed to be real and professional hackers before I came across ** as he helped save a dying soul and being ripped off...I appreciate you so much man and I promise to always talk about I you to the world instead of them being victims anymore... For your guys information he does all hacking job ranging from Texts, Whatsapp, Phone calls monitoring of day to day activities, Viber, Instagram, SCHOOL GRADES and Facebook. Just name it and it will be done cause he’s very honest and reliable. Contact him Via the following bellow…. EMAIL: ** at Gmail Dot com. TEXT, CALL or WHATSAPP HIM on…. **. You can also meet him if you are in the state cause he’s the only Ethical hacker with guarantee that will provide result and won’t expose your confidential data to anyone cause my previous experience with hackers are worrisome and pathetic.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 16, 2019

Banks charge you $35 if you're 10 cents overdrawn. With NetSpend, they don't do that. Also, you get paid two days faster which I really like. Having it has helped me manage my finances better because if you don’t have any money on the card, you can’t use it. The online features are great, too. One thing I wish they'd bring back is the purchase cushion. We no longer have overdraft protection which really sucks. The online site is all about the rewards, how you get a 10% cashback if you use your card. I really like that. I also really like the FlashPay feature. It’s a really user-friendly system to me. They have all your debits and credits there, and they also have some type of budget system. Though I don’t like that they charge a fee if I want to load the card, I find it very easy to make purchases online.

Netspend response

Hello Adriane,

Thank you for the feedback. We are glad to hear that you are able to use some of the features available to our cardholders.

Have a great day,

Netspend

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

My Netspend card account was great until I misplaced my card. Immediately I went into the location where I received the card and was told that I just needed to purchase a new card and transfer my funds. So that is what I did so that I would have access to my funds while I wait for a new card for my original account. I was never able to transfer all of my funds over so I had to make small transfers any time I needed money. Well this worked great until I reached a transfer limit that I was never informed of (also written nowhere on the site).

I finally got my new card and am trying to merge my accounts. I spoke with one representative that was unable to help at all and now I have been on hold for over an hour to speak with a supervisor. It’s rude and you shouldn’t have to wait this long to inquire about your own money. I am going to cancel my accounts. I do not suggest using their services. The vendors are uninformed and you will wait on the phone for a long time to speak with anyone.

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Netspend response

Hello Toy,

Our records show that someone from our Corporate Office has reached out to you. Please send an email to social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend

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

I buy and card out of a Walgreens store just to load some quick cash to send to my mother who is stranded! And I load the card with 150.00 thinking it will work like any other card...Green Dot etc! NOT!!! I go to active the card. I run into some troubles, so I speak with a representative who had no idea on how to do her job! Then she says in order to activate I have to send a photo ID, Social Security card, and proof of address (Utility bill) WHAT???! I don't want an acct with you. I Just want to use this card to send my mother money since she has Netspend. I immediately ask for a supervisor.... She goes on to say I would need to do so by law.

I say ok, I can upload my photo ID, and email you my Utility bill, but my social security card burned in a fire so I'm waiting on my new one in the mail. She says "I do apologize but unfortunately we would need it." At this point I just want my money back, so she goes to say, we will send you a paper check within 10 BUSINESS DAYS! EXCUSE ME!!! NO MA'AM. That is beyond unacceptable! Like I HATE THIS STUPID COMPANY and I will neverrrr I repeat neverrr "attempt" to do business with them ever again!

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Netspend response

Hello Porcia,

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

Thank you,

Netspend

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 15, 2019

I’ve had a NetSpend card since 2005 and I’ve had direct deposit ever since. I love my direct deposit because I get paid earlier than everybody else. I tried to sign up for the Flare account, and they said that I couldn’t do it because I had more cards on my account so I just stuck with the ACE. Netspend's team knows me by name and I love them. I've recommended Netspend to several friends of mine.

Netspend response

Hello Beth,

We're happy to hear it. If you have specific questions about your account, please email us at social@netspend.com so that we can reach out to you directly.

Thank you,

Netspend

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: July 12, 2019

Bought a prepaid card 2 hrs ago from Walmart. Added $40, go home to activate the card. Try online, says call customer support. I call and told I'm ineligible. I asked why, and they don't know. Now I'm stuck waiting for a refund check to be mailed and should receive it within 10 business days. Seriously ridiculous.

Netspend response

Hello Kerrie,

Our records show that someone from our Corporate Office has reached out to you. Please send an email if you have additional questions or concerns.

Thank you,

Netspend

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Rated with 2 starsResolution In Progress
Verified Reviewer
Original review: July 12, 2019

I've been using a Netspend card for years, because i hate banks. I always just added money to it for bills or if I wanted to purchase something online. Just today I tried to pay my rent with an e-check (cheapest way to do it). Netspend declined the check for being 4 cents short and charged me a dollar fee on top of it. Not to mention having to load it 3 times. $3.95 charge for each $500, so basically $12 I spent just to load the damn thing. Also keep in mind I have a pending deposit to be added to my account tomorrow. I'm highly upset with this company and i probably will just close my account. No telling how much my landlord will charge for a return check fee. All this over 4 cents, really Netspend?

Netspend response

Hello Erin,

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

Thank you,

Netspend

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: July 11, 2019

I've had the NetSpend card for years and I like the convenience of being able to manage my finances with it. Some people are great, though some have not been great like any other call center. Still, I have stuck with them this long so I'm happy with the service.

Netspend response

Hello Tamiko,

We strive to achieve a high level of customer satisfaction, and continually look into ways of improving our products and services to meet the needs and expectations of all our esteemed cardholders like you. Thank you for the feedback.

Have a great day,

Netspend

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Rated with 3 starsResolution In Progress
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Verified Reviewer
Original review: July 10, 2019

I’m supposed to get paid on Friday. Well Thursday at 12 midnight. But with Netspend I’ve gotten it 2 days earlier. I get it on Wed at 4:36 pm every week except for this week. What’s going on? I need my money, I have bills to pay.

Netspend response

Hello Tony,

Our records show that someone from our Corporate Office has reached out to you. Please send an email to social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend

2 people found this review helpful
Rated with 3 starsResolution In Progress
Verified Reviewer
Original review: July 10, 2019

So let me start by saying, if you have a problem...don’t call them. I receive direct deposit the same day, the same hour 80% of the time. But now? My payroll direct deposit is nowhere to be found. I have verified that it has been sent to Meta Bank (Netspend) and Netspend is saying they don’t have it. Obviously someone besides me has it, I’ve verified with my employer that the money has been sent. But Netspend is saying otherwise. I am so sick of this, I’ve reached out to Netspend; they keep giving me the run-around. I’ve emailed and called.

Netspend response

Hello Eric,

Our records show that someone from our Corporate Office has reached out to you. Please send an email to social@netspend.com if you have additional questions or concerns.

Thank you,

Netspend

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 10, 2019

I've been with NetSpend since 2006. It was really popular at the time I got it first. I wanted to try it myself and I did, and I was happy with it. But I think they have me as if I just became a member because I got a new card, which I don’t like. But I like the fact that I get my check early. They give like a little $10 spending thing. My girlfriends told me they have a new feature where if you’ve been with them for a while and you have established good direct deposit with them, if you need something like food, if you try to use your card, they will let you use it. But of course, they will charge you. But that would be no different than borrowing money from somebody. Other than that, the NetSpend team have been knowledgeable and helping. I use the card almost everyday and I’ve enjoyed it. I also love the fact that you can customize your card. That makes it really good. I’m waiting on a card to come right now because I lost my NetSpend card.

Netspend response

Hello Kelly,

We're happy to hear positive feedback from our long term cardholders. Thank you for the review.

Have a great day,

Netspend

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 9, 2019

Somebody told me about the Western Union NetSpend. He told me to go online, and I went online and found it. I set myself up and got a card. I've been using it ever since, for several years. And I like Western Union. I use them a lot and since NetSpend was partnered with them it made it easy for me do Western Union transfers and also, we receive Western Union transfers and put the tracking number on my log in when I log in. And so the money goes there. I don’t have to go through an agent to get it.

I also get my direct deposits from there. I get my VA up to five days early and my social security up to two days early. Those are the perks right there and I like it. I've never had any issues. I’ve paid bills, transferred money. The only time I have some issues is when I transferred internationally to Jamaica which is where I have family. And because of the areas being high risk, it’s jammed, deleted, and etcetera. I've had a few of my transfers cancelled to protect me and to make sure that I was all right. But that was the only issue that I've ever had.

And usually, when I have something like hotel and how you always authorize more money than they should, they usually put the authorization back onto my account within a day, within 24 hours, which is also good, opposed to other cards which take up to three days or longer. The reps were very professional and very knowledgeable. They answer all my questions. And I don’t have a long wait time for them.

I'm happy with the service. They come right on and if they don’t have the answer to the question, they usually are able to escalate it, and I usually get back a response within another 24 hours also, probably the next business day if it’s on a weekend. I'm really glad that I chose to use NetSpend, and I would definitely recommend it to friends. And I have had it for several years and have had no issues. I can do anything with it that a regular credit card or a debit card could do. I wouldn’t make any changes.

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Netspend response

Hello Gregory,

We are glad to hear that you are able to use the features that are offered to our cardholders. Thank you for your review.

Have a great day,

Netspend

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Rated with 1 star
Verified Reviewer
Original review: July 8, 2019

My Netspend account was closed out. NO WARNING, NO LETTER NOTHING.. It left me stranded not able to get gas for my car and missing 3 days of work so far, NO PAY. My direct deposit from my job was then rejected causing major issues with all of my bills, my mortgage being #1. This is horrible and I will not stand for it, PLEASE HELP. I NEED MY MONEY NOW!!!!

Netspend response

Hello Brian,

We are sorry to hear that you are unhappy. Our records show that we have been in contact with you regarding this issue. A refund check has been requested for the balance of your account. Please email us at social@netspend.com with additional questions or concerns.

Thank you,

Netspend

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 8, 2019

When I initially contacted Netspend, they wanted me to send in my information, my birth certificate, and social security. So they checked all of the credentials. I use NetSpend all the time. I’ve never had any late payments. Even when there was a issue about a year ago, I didn’t have any delays. My pay has always been on time or two or three days early. Their customer service team is always very helpful. I’ve been with them for well over five years. So, I like it. I also recommend them to people.

As long as you set up the phone and the email, you can see every time there’s a transaction. So, if someone was trying to tamper with your account, you would know it because you quickly get a text message. And if you put your money in savings, that makes it even harder because they have to go through a couple loopholes to get through. Also, I’ve noticed when I’m travelling, the system notices that I’m out of the state or the place where I’m normally using my phone or laptop, and they’re questioning that and they’ll shut it down, and I usually have to call it. But I appreciate that. It doesn’t cost me any troubles or delays. I kinda like the fact that that happens. Netspend is doing a great job.

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Netspend response

Hello Marnie,

Thank you for the review. We appreciate your feedback and are glad to hear that you are happy with your Netspend services.

Have a great day,

Netspend

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Rated with 3 starsResolution In Progress
Verified Reviewer
Original review: July 6, 2019

Some people recommended it, so I just signed up for the Netspend debit card. I cannot see any advantage over the debit card I use for my bank checking account. I never have to add anything more than already deposited from my salary and there are no processing fees.

Netspend response

Hello Marvin,

Our records show that someone from our Corporate Office has reached out to you. Please send an email if you have 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: July 6, 2019

Put a small amount of money on a card and couldn't use it in store or online and it was activated, never had a problem with prepaid card companies before until I used this company. Won't use these people ever again. 0 stars in my book.

Netspend response

Hello Tyler,

Our records show that someone from our Corporate Office has reached out to you. Please send an email if you have additional questions or concerns.

Thank you,

Netspend

3 people found this review helpful
Rated with 1 starResolution In Progress
profile pic of the author
Verified Reviewer
Original review: July 5, 2019

Do not use this card. I had a an account. I liked the account because I could get my check direct deposited earlier than my actual payday. I recently had my card stolen and reported it. I also filed a dispute claim. I never received my new card. Thank God I had the original card I was sent out with my name on it so it could be used while I waited for my new card. Just 2 days ago they decided to close my account without notifying me. When I called I was told that my account was closed due to suspicious activity. Well no mystery my card was stolen. I have all my money on the card so now I have no money with small children and no gas to get to work, until they send out my check. Oh and I was treated like a criminal and not a customer. Horrible scripted customer service outsourced overseas. PLEASE DO NOT USE NETSPEND. They will put you in a major bind, and it can be life altering!!!!

Netspend response

Hello Chekele,

Thank you for taking the time to speak with us. We are glad that we were able to get your feedback about your experience. Please send an email if you have additional questions or concerns.

Thank you,

Netspend

4 people found this review helpful
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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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