Netspend Reviews

Re: Rating: ⭐☆☆☆☆ (1/5) Headline: Unacceptable Service, Locked Funds, and Zero Accountability. Dear Netspend Customer Support, I am writing to escalate an urgent issue regarding a missing direct deposit that was scheduled to arrive between August 15 and August 24, which is now significantly past due. Expected Deposit Dates: August 15, 2026 to August 24, 2026. Expected Amount: Amount of the $135.00. I was told that I was not allowed to log in to the account to correct the name adjustment from my legal name to my username. I am still using my username as my legal name, but I have not received the check. If I could give net spin a zero in review, I would. They don't even deserve it. I could give net spend. A zero in review, I would. They don't even deserve one. They need to close this company down to nothing; they're scammers, frauds, thieves, and unprofessional. Thank God, thank you.

Received as gifts and they are the biggest PITA. WASTE OF MONEY & TIME. No help from customer service. Don’t fall for it.

I would give this company ZERO stars if that were an option. Judge for yourself: I signed up for fraud alerts and received an alert asking whether I had authorized a nearly $500 purchase made in another state. I responded “NO,” but the transaction was processed anyway, draining my bank account. When I called, I was told they would investigate and refund the money only if they verified that the transaction was fraudulent, and that they could take up to 45 days to make that determination. What is the point of asking whether I authorized a suspicious transaction if they are going to process it after I clearly respond that I did not?

My Name is Warren, and I have the misfortune of becoming a NetSpend customer back in the year of 2000 and over the years, I began to notice that other companies offered little perks, etc cash back, customer rewards etc. Only to find out that NetSpend offered nothing of the sorts. As far as the so-called customer service, that's a different sort of trash, not to mention the language barrier and these are the people that we entrust our with our savings. Recently, I was informed by NetSpend that my account shows so made up irregulars, which had proved to be false. However, since that day on February 26 26 my account has been blocked, which has left me penniless. When I was asked to prove my identity, I couldn't produce a physical identification. I have secured my identification or a temporary one from Georgia's motor vehicle, and keep in mind my account has been blocked since Feb of this year.

I find it sad that this company charges for every time you us the pin number for their Visa debit card. My family was in a pinch and we were sending our daughter to summer camp and the camp doesn't use cash. So we had to stop and get this debit card. If I would have known at the time of purchase that they would charge her every time she made a purchase I would have purchased a different debit card. Plus they charged a activation fee. Now the activation fee wasn't that much 3 bucks I think. Out of 75 dollars we loaded they charged her 2.00 per transaction. That total so far has been 10.00 for 5 transactions. Be aware if you use their debit card. Crazy to think they charge that amount. This will be the first and last time I use their card.

Updated on 06/16/2026: NetSpend issued me a refund..I want to thank the reps I spoke to. All were professional and helpful. I have always had good customer service with NetSpend.

Netspend has failed to follow Regulation E once again, failed to provide provisional credit for a $4300 dispute that was filed 12 business days ago, and then promised me it would be applied today, only to recieve an email immediately after the call ended stating my claim was denied due to "no evidence of tampering with my account being found". I NEVER claimed anyone tampered with my account. The dispute was due to someone gaining my card information and transferring my funds to their cashapp account! This is clearly just their way of being able to get around having to issue my owed credit while they do an accurate investigation!

Do not, and I repeat, do not consider this company to be a legitimate custodian of your money. They make it practically impossible to get at or move your funds. Your money is literally safer under the mattress. There are MANY online banks out there, and I would urge you to consider any one of them aside from Netspend.

Normally I would have gave a higher rating but lately they have been giving poor service. I have been with them for over 10 years and I am ready to find myself another card to do my direct deposits and other transactions with. I am highly disappointed with Netspend. Never again will I refer anyone to them.

Veterans stay away.....Paypal Prepaid sold out to Netspend and their parent company. What a fiasco, horrid customer service. Three calls now, have gone straight to Manila with extremely difficult language issues. You would hope a combat veteran of both the Army and the Coast Guard could get some help....3 days, 5 calls and I keep getting the same "you need to go to 7-11 and purchase our Netspend card". I didn't have to do that with Paypal Prepaid. My VA prepaid account had thousands in it and it is gone, like a fart in the wind. They said it is coming without providing tracking or anything else. You'd have to be insane to use this service. What a shame.

Worst experience ever. Started direct deposit with them and got my 1st pay. Next pay comes and I get a text and email saying my deposit was sent back to my employer. Imagine having rent or bills due and you can't pay them because NetSpend decides when or how you get paid. Now I have to wait until the money goes back to my employer then wait for my employer to reissue my pay. (On another debit card of course). In all the years I've had prepaid cards, I've never had a problem until I chose Netspend. I am going back to my US Bank card. NetSpend horrible. Crooks. I will be contacting the BBB, social media and local news station. Bad business. I better have my damn money in a few days!!!

I’ve provided emails to Netspend showing that the merchant said they was gonna refund me and how they did not provide the services that I paid for but yet Netspend is telling me I have to rely on the merchant to refund my money. Well, what did I follow a dispute for because if I felt like they were gonna do what they were supposed to do or what they said they were going to do then I wouldn’t have had to follow a dispute. Every time I contact Customer Service they either hang up on me or they say things like they’re speaking like a bot or how they’re either reading from a computer from responses that’s being given to them so basically what I’m saying they do not help me at all and when I asked to speak to the supervisor, they hang up on me.

Terrible. 2 cards locked out with balances, on one card a strange phone number was added to be notified if I made a payment. This setup with 2FA, indicates NETSPEND ITSELF HAS employees that either leak or active in defrauding their customers. It is impossible to get ahold of Customer Service to combine both cards into a new one or allow me to get into my account to see what was actually changed. I can text BAL and get my balance. This company is really shady. I recharged my card always at the same place, never stored any info on any of my devices. If I cannot even get basic support, how could someone access the account? Something does not add up, signifying an inside fraud problem. Find another company, outsourced support is not secure.

So someone please tell me why this prepaid company is asking for people's medical records to confirm identity??? They are violating HIPAA laws. Wow they are just ripping people off and violating laws.

I've been a Customer with Netspend (Ace Flare Account & Porte) Since 2017. Well This Past Week They locked 🔒/ Froze my Account & would not let me have Access to my Direct Deposit. When I called and Finally was able to speak to someone in customer service, a Foreign Lady She actually Said to me, "I'm sorry but I can't take the Block off." ? I told her lady what do you mean?!! I requested to speak to her supervisor. She then stated, "You have A negative balance." I said, "No. I do not." So she put me on hold for nearly 30 minutes then the manager stated, "We froze your account because back in 2017 you had a negative balance of 50 $." ? I said What? Which Sounds Absorb to me. And I remember years ago it was fraud done on my account & I've reported it to Netspend. And I went through the process and it was resolved.

The packaging states that the card is ready to use. What the packaging fails to state is that it is only ready to use in person. You can't use it to make an online purchase without registering your card online where you have to provide your name, address, phone number, and social security number.

The worst prepaid app to date. I do not recommend using it. They are robbing you 1$-4$ at a time. There is no call center. This app is for drug dealers and scammers not the working class. I been on hold for 90min after the AI operator said 1min. I despise scamming institutions like this. I recommend never using this app.

I am not so happy with Netspend debit cards because they are not going to release funds until they verify my documents.

As you can look @ the attached photo. Netspend not only forgot to send the replacement card by the date listed but learned that they could not retrieve our $$ but the card was never sent until we called on our deadline of 3/24/26 so not only did we wait patiently but they failed to return the $$ that was taken!! Mind you we live in Fl and all transactions Netspend approved for this acct. We're made in N.Y. and New Jersey. Netspend even allowed them to change the phone number on our acct and we fought for a week just to get someone to help. Looking at the receipt it's obvious how long we've had to fight only to be told "Sorry there's nothing we can do about your money." STAY AWAY FROM NETSPEND!!!

This is the most stupid and time-consuming garbage ever. I'll die before I order anything from these thieves. They want your life story to activate a stupid ass prepaid card, ridiculous, don't waste your time or money with visa.

Since when do we put in our full social security number for a prepaid debit card?! Now I guess because you made me do that to get my balance. Inappropriate. Doesn't not protect me. Get with the program!

I have been with Netspend since 2017. I've had all my deposits and tax refunds etc...long story straight, I cannot link my card anywhere to show my history, Plaid will not allow me to link up my statement. I used to be able to, but now all that comes up is no information found. Like when I need to connect my bank account somewhere I can't anymore, with apps like Brigit, Albert, etc, I wish there was a way to be able to show my history!

These guys tend to give people the runaround; Their customer service is run by a bunch of clowns that don't know what they're doing half the time. Don't waste your time on the phone. One star is too generous for these guys.

Netspend closed my account after I added money to it, said I'd receive a check with my 500 left in it, but I want it expedited!! They said within 7 to 10 days, then I was told within 20, I really need my money.

Whenever taxes hit your account they freeze it after every transaction and then the website doesn’t let you sign in forcing you to call them and be on hold for over an half hour just to get access to your own money!! This only happens at tax time or when there’s a large amount in your account!! It very unnecessary and very inconvenient!! Playing games with other peoples money is NOT fair! So, I’m gone as soon as my NEW BANKs card hit my mailbox!! No branch to visit when issues, just hold on the phone until they decide to answer, smh.

I received a card AND account without ever giving any of my information to this company. When I called customer service, they said that a 3rd party sold my information to them. I asked if they thought it was safe to send a LIVE card in the mail to an unexpecting customer, and they said no. This is absolutely a shady process.

I called customer service because there was fraudulent activity on my card. I spoke to Liz. She was so helpful and got me my new card by the next day with no problems! I’d recommend Skylight Netspend to anyone who works a customer service job or those who receive tip out income.

I had my card blocked for a unauthorized payment, and I'm going on a month without a replacement card. I had funds that went to card more than a week ago, spent nearly 2 hours on hold, then called back the next day 2 more hours. I was told I would have to wait until the very last 10th day for card to arrive. They wouldn't let me transfer the money to another one of their cards 2 agents, 2 supervisors,

I find it impossible to get through to talk to anyone. I found someone using my address to set up their account and need to report a fraud but they make it impossible. Why would I work with such a company?

On my payday, I couldn't access my account! This company put a block on my account! Closed my account! I did not get my pay! That I worked all week! Kept getting the runaround! Then claimed they put my money on Moneygram. I couldn't get my money from Moneygram. Then they tell me I have to wait 7 to 10 business day for a card. I couldn't pay none of my bills! I couldn't get no cash out.! Then if I wanted my card sooner I had to pay $25 dollars for the debit card to come a few days sooner! My bills that were connected to this account, came back unpaid! Couldn't get cash cause they claimed it takes 24 hours to 48 hours business days. I didn't get my direct deposit! When I said why don't I close the new account and give me my money! Customer service again gave me the runaround!

I have been so frustrated with this company. My former employer opted to use their pre-paid Visa cards for final pay, but why didn't they just use direct deposit? I received the prepaid card and followed their lengthy instructions to convert the card to a check. I went to my bank and they weren't able to honor the check - it was declined so I received a -$1.00 transaction fee for the decline, meaning I couldn't cash the check because the account was a dollar short! WHAT A racket. There is no way to contact or get in touch with a human either. I had to resort to sending an email. I just want my final pay.

I opened my first NetSpend account 14 years ago. At that time I had all my deposits going there including my monthly disability. After dozens of major issues happening multiple times and being denied access to my money plus customer service who could care less. I finally had enough and switched my monthly deposits to a new company but continued to let my yearly tax refund go there because they pay early and I didn't want to have to change my info with the IRS and risk being flagged.

I'm a 63 yr old Army Veteran. I use Netspend over the years to avoid using my Navy Federal card online. I recently transferred money that I use to pay for heart, cholesterol and blood pressure meds after suffering from a Heart Attack last year. Netspend put a block on my card and I have no idea why? The asked me to email them identification and they will inform me after receiving the documents on why my card was blocked. I still have not be granted access and I need that money for my medication! I'm going to seek counsel and never use this services again!

When you guys change the account format you made the card useless. Can't find the flash pay id. It's horrible. I have been with Netspend for years. Never had an issue. You changed it a few months ago and it's been a hassle ever since.

I have had the same Netspend account since 2009. I have never had an issue nor reported any fraudulent activity. My direct deposit when it ever 2 weeks from the same company. Just recently my employer payroll corrected our benefits deductions and realized some employees were owed credit. Very small credits but indeed money that was owed back to me. For some reason the credits had to be deposited separately and they were tiny amounts.

This is by far the biggest robbery ever! They take $2 every freaking transaction, why? How tf is this convenient. Why would ANYONE want to use this card. This is for rich people, not people trying to get on their feet or start over. I don't recommend for anyone

NetSpend is a scam! Anyone thinking of trying out this BS should be mindful. I mean look at these reviews, I only wish that I had researched it before I put my money on a card. My story is facts and NetSpend you can hold your sorry excuse that you want to assure that this is fixed because you don't care about anything or anyone other than taking people's money and telling us that "it's for our security purposes." As if I need you to secure my money from me you sound so stupid.

I had Netspend for 10 yrs. Recently had frauds happen on my acct, (1 day after they took their fees out), 2 months in a row. And they Refused to refund all my money For the one's that happened this month! I do NOT RECOMMEND Netspend for your banking needs!

I've been with Netspend for over 22 years. In the beginning they were good. They tried hard. But I am going to tell you - whoever owns them now? Pathward, Ouros? Whoever it is doesn't give a flying flip for any one of their customers. You can't go anywhere with the phone system at all. They are down constantly and days you cannot touch your own money.

Netspend has declined a very important transaction I needed, even after I replied to the fraud alert text. And there is no customer service after 5. Pm. Netspend is trash, do not use. If you want to dispute your transaction after 5:00 p.m., you will not get one person, only a poorly working automated system.