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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!”

5399 Netspend Consumer Reviews

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

I’m a truck driver and I have used NetSpend as my debit/credit access money thing since around 2003. I cringe to call NetSpend because I would get somebody who’s gonna tell me that her name is Elizabeth in some strange, twisted Punjabi dialect. I hate call centers overseas. I don’t begrudge anybody overseas making a living but we have enough people in United States that could use a job. Also, we have a different way of life and a different way of speaking in the United States. So, there’s a language barrier. Moreover, when I’m speaking to an American, I can get what I want quickly. I don’t have to go through six layers of apologies, which is what you get when you talk to these people. It seems like every other word is an apology and that’s the worst of it.

There is also an issue where I am right in the middle of buying a house and Quicken Mortgage said that they needed a traditional bank statement that has the bank’s name on the top or on the last page of the printed statement that says who I am. However, it is difficult to obtain a statement from the phone. The only time I can get a statement is if I open up a computer and go online. I have to go online and the only statement I can get for Quicken is from my debit card. I’m happy to have it but when I actually found how to get it, that wasn’t easy. Nonetheless, Quicken accepted that. However, I don't have a checking account with paper, so when some of the things came about that were necessary to facilitate the purchase on the house, the NetSpend thing didn’t work quite so good.

My company loads the card and over the course of years, I get the money. My paycheck fluctuates generally from 300 to 600 or 3,000 to 6,000, but the overdraft thing wouldn’t hurt my feelings to be available to somebody like me, because I direct deposit my paycheck into the account. Then, my card has ran out and I need a new card. I don’t know who they get their cards from, but they need to get them from somebody better because they’re worn out right after the first swipe.

I went to McDonald’s with a brand new card and it would not work. The girl grabbed a hold of my card, took a regular Scotch Tape and put it over the mag stripe. I know better than to do that, but I couldn’t stop her as it happened that fast. Now, it works every time in McDonalds but it doesn’t work everywhere else. Overall, with the exception of customer service and the way they give me a hard way to go in trying to get to somebody in the United States, I'd recommend NetSpend all the way.

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Netspend response

Hello Craig,

Thank you for your candid feedback and for being a longtime Netspend cardholder.

Have a great day,


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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,


5 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.


5 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

Thank you, Netspend

2 people found this review helpful
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Rated with 1 star
Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

I booked a flight online, Netspend found that it was okay to not only charge me once for the flight, but 3 times! I’ve spent countless hours on the phone trying to get my $756 refunded. The last time I called, approximately 30 minutes before closing, the representative I spoke to was rude and argumentative. I then asked for a manager, she proceeded to state she’d place me on hold for 2 minutes and return with a manager. Not only did she leave me on hold for over 30 minutes, she also failed to let me know she was still waiting on a manager.

Once the manager finally got on the phone, his attitude was condescending and cold. After explaining to him that this was a mistake on Netspend's side, he then proceeded to ignore me for 10 minutes straight. He was still on the phone but pretended not to hear me. I have NEVER experienced such poor customer service. Of course once I called back, the offices were err closed. I am beyond infuriated! I will be calling again tomorrow and every day until this issue is fully resolved, I also plan on forwarding this matter to the Better Business Bureau and consulting an attorney. I wouldn’t recommend this sham of an institution to my worse enemy!!! Don’t use Netspend! It’s not worth the hassle!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 19, 2019

When I used to cash my check in the check cashing place on Lexington Avenue in Manhattan, they had NetSpend there in stock. I noticed it in the window and I inquired about it. I had the card as well as the pamphlet to read the information on how it works, then I started using it. But recently, I don't go to the reload locations as much as I used to because I use my payroll now. Once in a while, when I need a couple of extra dollars or if I'm gonna make a purchase, I would load my NetSpend card. But I don't really use it as much as I used to. Other than that, when I was at an ATM in my area, I was informed that I got the money, but I actually didn't. I had the issue resolved by putting in a complaint and in the end, they have me back my money. I would recommend them to a friend.

Netspend response

Hello Frederick,

We are glad to hear that your Netspend card continues to meet your needs.

Thank you for your comments,


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

I loaded money onto a card almost a month ago. I was told that I could not activate it and would get a check for my refund. Well I believe I am being scammed as I have yet to get anything and when I call I get the run around and am asked to verify my address multiple times. If I do not get my refund in the next few day I plan to make a police report and take legal action to get it.

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

We are out over $70 because of a two fraudulent charges. A cashier swiped our card three times for one purchase saying the card was not read. When the balance did not look right we discovered this problem. Netspend refuses to credit us for this error. I DO NOT RECOMMEND USING NETSPEND AT ALL.

Netspend response

Hello Lisa,

We are happy to review the dispute with your husband. If he would like to speak with us, please have him email with his contact information. Agents from our Corporate Office respond to that inbox, typically within one business day.

Thank you,


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Rated with 1 starResolution In Progress
Verified Reviewer Verified Buyer
Original review: Sept. 18, 2019

NetSpend's team is very rude and not helpful. Netspend doesn't give me my check on time and I’m always paying my bills late. Sometimes I use the card online, but I pay in cash most of the time. I use direct deposit and load money on the card, but I gotta pay to put money on my card and then they charge a fee to take the money out. I can find loading locations though. I’m considering looking for another card.

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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

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PO Box 2136
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United States
(866) 387-7363
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