Netspend Reviews

I bought my Netspend card at a gas station and I get my pay automatically deposited on it. I love their direct deposit option since I get paid before everybody else does. I also use the card to pay bills and make online purchases, which is very convenient for me. A couple of weeks ago, I received a text at 3:30 in the morning saying that I needed to call their customer service, so I did. They asked me if I made a purchase online at around 3:00 in the morning to some other company. I said no and they stopped my card.

I’ve been using NetSpend for nine years now and I haven’t used any other bank. I get all my direct deposits through them, which makes things easier, and they give me my money earlier than the banks. I pay that little $5-a-month fee and everything is taken care of after that. I also do my purchases online and pay bills using NetSpend. When I first got the card, I reloaded at the stores but I stopped because of all the fees.

Choosing Netspend was okay ‘cause it was $3.95 a month but for the last few years, they’ve been charging me $9.95. However, I've had it so long that I haven’t changed. Plus it's easy to use to load money, and I can use it pretty much anywhere. I’m getting paid five days earlier too. They’re pretty professional overall.

I was given a NetSpend Visa prepaid card as a gift. It was forgotten about for a few months. When I went to activate it today, I was told it expired. Most companies give at least a year!! The customer service was willing to send me another card. After I gave my information, I was told that the full amount was not on the card anymore. That highly pissed me off! I would not given out my social security number if I knew this company was a ripoff. There is nowhere on the card or packaging stating they charge crazy fees when the card is not being used. This company rips people off by not explaining fees outright. I will never use this company again. It is also ridiculous that they ask for social security numbers for a prepaid Visa card! I better not find out my social security is used for other purposes by them.

I heard about Netspend through my mother. I get paid early through them and I'm able to manage my finances better as well. Also, we get to transfer money within our Netspend.

Here's my email to Netspend with no reply from them. "I just purchased a Netspend card at Walmart in **. #** (Security Code: **). My store receipt says that the card is activated. I've tried to register/activate the card online SEVERAL times and am told the card number is "not" valid." Then I read some reviews online and they were ALL bad. Have I been robbed by your company? Is Walmart aware that this is a problem with their customers? If so, is Walmart in cahoots with this scam?

I have a Netspend card sitting in my drawer ready for me to call and activate. I'm worried now that it may not be a good way to go. I have a friend that is severely disabled confined to his home. His direct deposit came in and when he tried to get his money for rent etc it stated that his account had been locked due to a 95 cent transaction that overdrew his account. Well he has the overdraft so that's not the issue. He explained to them he didn't make a purchase for 95 cents so they then transfer him to fraud where he is asked 3 security questions. The last question asked is which one of these streets is closest to the street you used to live on. He rambled off the three choices and my friend said none of the above. The person stated that none of the above wasn't an option even though on the other 2 questions it was an option. He had to pick one knowing none of them for he chose one and of course he was wrong.

I’ve been a NetSpend user for a few years and I’ve never really had problems with them, I’ve had some small disputes and was always able to get them resolved rather quickly (with a provisional credit). No problem. On July 25, 2018 in Fort Worth, Tx where I live I had several transactions as normal, that’s a trending pattern in my account with a card that’s always been used of **; but also in the mix are 3 transactions from Austin, Tx at a Walmart with a card ending in ** for a total of $103.46 several hours from me. Humanly impossible to travel to make both travels. Easy fix right?! No.

I have to pay a couple of bills and started getting Social Security Disabilities and so, I had my direct deposit with NetSpend. I’ve had a good experience with them with a couple of disputes. I always get a confirmation from the card when my money’s in there or when I make a purchase. That has been the best experience. Each time I pay something, I know what I’m left with at that time. And I always sit down and write out my finances. I have everything on my iPhone and I know how much I get each month. I go down and put the amount in and then, I take each of the bill and I go online and pay the bill.

Terrible and backwards customer service. It's hard to get a word in because they are just reading from a sheet and don't seem to take a breath. They issued me a new card and a new account for no real reason and now my direct deposit is basically in limbo and they're acting like I'm the one that did something wrong. We are a paycheck to paycheck family with small children. If my finances were worthy of bragging about, we wouldn't have resorted to a prepaid card. Soooo what and how am I supposed to feed my kids while they figure this out? The card they said they sent me that is attached to my direct deposit should have already been here. Then I need to verify and resubmit all my info and provide proof of identity? I used account now for years and never had an issue. This is unacceptable.

I got a text message saying there may be a problem with my card. I tried to call several times during regular business hours and it keeps saying that they aren't open yet. I tried to access my online acct and again was told to call. I'm extremely frustrated. This is my money I've worked for! I need it now.

Net Spend PayPal Prepaid Debit MasterCard issued by Bancorp Bank - I bought this card in a retail store alongside the gift cards thinking it was a PayPal gift type card that you could load money onto to transfer funds into your PayPal account. The PayPal logo was very big and said PayPal Prepaid Mastercard - link to a PayPal account. I loaded $30 on it. Cost me $2.95 to buy the card. I then noticed in very small print when I got home it said this is not a gift card. Not totally understanding that but trusting the PayPal name and looking forward to loading some cash into my PayPal account to make a purchase that evening online, I followed the card instructions online website to activate with my social security number, address, date of birth and other sensitive private information.

NetSpend's fraud protection is not very good. There were multiple times where I had issues with my account, and they had to freeze my card. I had to go through the disruption of me being able to do things that I’m normally used to doing like having access to my funds. It happened twice in the last month, so I finally had to just cancel the account. I've contacted customer service several times and I didn't feel that they were very helpful. Unfortunately, whatever policies they had in place, they were pretty much sticking to it. I was just left stuck with whatever issues I was dealing with, and had to wait and be patient with their processes. So, as a consumer, you just have to deal with it but I wouldn’t wish that on anyone, especially when it comes to fraud protection.

I wanted to take cash someplace and NetSpend offered outright deposit so I went ahead and got the card. That was at least 10 years ago and I've been with them ever since. I like the card and the options that it had. The money is released as soon as it is deposited. I don’t have to wait days to get it. So the money is available to me and it's easy to resolve issues with merchants. I also like NetSpend's customer service. However, I don’t understand the language sometimes and if I have an issue with having to repeat certain things, then customer service could be an issue. Nevertheless, the reps have been great whenever I call them. NetSpend's customer service is a big plus for me.

This is the worst debit card and bank I have ever had. The worst customer service. They charge you for everything and I will never ever again use this company or recommend it to anybody. You will not get your check 2 days early. I've been with them for months and yet to have it 2 days early.

I received a response from Netspend within 24-hours in regards to the problem with my account. In less than a week, Netspend has resolved this issue, and I have regained access to my PayPal prepaid account. Thank you Netspend for your prompt attention in resolving this matter!

I've had a good experience with NetSpend. I saw them online and I ordered a card. With the card, I'm managing my finances a lot better and I always have money now. Also, I'm glad that money comes a little early. And then they have a very helpful customer service. Once I tried to go on an online dating site and the next thing I knew, all my money was being drained from my card, about five and seven for each. I called NetSpend and they stopped everything. They told me there were a lot of scripts on my card and then they cancelled them all. They closed the card and sent me a new one. Get a NetSpend card if you’re having problems with your money. Your money will come a couple days out.

I got tired of going to either a bank or to a liquor store to cash my check and not being able to get the stuff I see online or the shop. I heard about NetSpend from a friend of mine about nine years ago and they were the first one I heard about. I like using NetSpend and I've managed my finances wisely with it. I'm spending less and I use it to take care of important things like bills. It's convenient for me, but I have to be careful hitting the button three times so I won't be double or triple charged. The internet connection could be a pitfall too.

I currently had a NetSpend prepaid debit card, which was activated and in use for over a month. Being a PayPal user, I decided to order the PayPal prepaid debit card. I received the card, it was activated and in use. I then receive an email from NetSpend, who manage both the PayPal and NetSpend prepaid cards stating I now need to verify my account. This is after, depositing funds, transferring funds and actively using both cards for months. I no longer have access to any of the funds I currently no longer have access to any of the funds on both my NetSpend and PayPal prepaid debit cards. Nothing I submit will suffice as proof of address, although I received both cards and activated them with the same address. I have given up on ever receiving my money back, unless I receive a magic document in the mail to prove my address. I'm just thankful I didn't sign up for direct deposit, because this would have been detrimental my livelihood.

I went to ACE Cash Express and got a NetSpend so that my daughter and I can have the same card while she was in college. I've had a few things since having it in 2012 and it bumped on the road in the past, but there was nothing I could do about it. Also, when I got robbed a couple of years ago, the robbers took my card and used it at a gas station. Then I didn’t get any of the money back from that case.

NetSpend has been a better way to go than banks who suck and charge money. And since using NetSpend, we've been managing our finances better and spending responsively. We have put stuff in savings but it’s just set aside for a bill. But sometimes, mainly around Christmas, there’d be a charge that would come through and even though it was me, they’d put a hold on the card. I have to call and explain and then they’d unlock it. I appreciate that they’re careful like that, but when I'm in the middle of Black Friday and they put a hold on my card, that’s not fine. Also, it would be awesome if Uber Eats accepted that card. Nevertheless, everything’s been good with NetSpend.

I've been with NetSpend for about six years. I paid no fee and the only reason I kept it for a long time is that it works differently from the bank. As soon as NetSpend receives the payroll checks from my employer, they release it versus waiting a business day or two, so I would get my check two days earlier. On the other hand, I've been disputing a claim and they don't seem up to par. I'm doing everything I'm supposed to do, but the company is not. I've escalated the dispute up several different times and I still haven't gotten my money back. Their policy is ridiculous and the communication I had with their team was horrible. It was always like there was a language barrier and they never understand what I was saying. I would always have to get escalated to a supervisor or a manager. I would rather send them a message and hope that they could get back to me through my portal.

Found fraudulent charges to my account-numerous ATM withdrawals which depleted my account. All of withdrawals were made with the card in my possession!!! Now I am out of over $900. Called Netspend and after 79 minutes on the phone was informed investigation takes 10 days. Keep calling and was told ask for a provisional credit till investigation is complete. (Why wasn't I told this initially?) Sent paperwork, did followup. Day 10- was told, "You will receive a credit in the morning." Day 11- checked account, no funds deposited. Called Netspend and after 53 minutes on phone was told the investigation was completed and I would not be getting funds returned. WTF???

When I did my taxes a couple of years ago, I heard about NetSpend. I like it and it has been good with getting my paycheck to me early. I pay bills with it, use it for online purchases as well as in-store purchases. I do direct deposits with it and the monthly income for security. I’ve never had any issues with anything else as far as banking and the reps were very professional. NetSpend was better than the regular bank. I could call and get someone on the phone without a long wait or hassle and not a runaround type thing. Somebody was able to answer my calls no matter what time of day it was.

For some reason my card has a balance of -0.50 saying something about a telephone balance inquiry 6/13/18. I have never even had a chance to add money to this card because the none of the features offered have worked since the day I received it. And I was in jail from 6/08/18 to 07/08/18 so there is no way I could have made a telephone balance inquiry. There must be some sort of fraudulent activity going on on my account because for some reason on my other NetSpend account it's telling me that I can no longer use the Mobile Check Capture feature. I never had a problem uploading checks before until recently. And then one day my account was locked for no reason.

I received a $100 gift card for winning a golf tournament. I tried to activate the card online and the website was not functional. When I called they informed me that to access the funds I would need to give them my social security number, current address, drivers license, passport, and a bill to prove my current address... All for a $100 gift card. Their website said it would take 1-2 minutes... After 7 phone conversations spanning 1 week I finally received an email with my 'activation number' that, when sent with my documents, would activate my card in 6 business hours. After 2 days I emailed them back to find out that they had given me the wrong activation number. I still have not been able to access the funds on my account. They also charge $3 per transaction or $10 per month... I can't fathom why anyone would decide this option for gift cards over a generic Visa gift card. Would give this 0 stars if that was a possibility.

I've been using NetSpend's services for six years now and my experience with them has been all right. And I've had nice interactions with their reps but NetSpend doesn’t have a lot of perks and rewards that are beneficial to the area where I live. Also, I don't like that they charge so much to take my own money out and reload it. Still, I had a transaction on my account that wasn’t supposed to be there and they were able to fix it.

Netspend closed my account without me knowing on June 21, 2018. They said they were gonna issue me out a check with the money that was on my account. It would 7-10 business days. It's now July 19, 2018. I have not received my check. And every time I call they say just give it 3-5 more days. I'm just frustrated because they seem to not care. It's been almost a month not to say is July 19, 2018 and I still haven't received it. I just want my money.

Netspend is a joke! My employer direct deposited my paycheck and Netspend is denying getting any deposit for me. I have a confirmation number to prove my money was deposited into my account but yet Netspend is denying the fact they got anything. Stay away from Netspend people!!! Read reviews on this company. There are NUMEROUS accounts of people experiencing the same problem with them. If you want a prepaid card go to Walmart and get one from them. It’s a lot easier and no hassle of wondering if and when you will get your hard earned money!

I've been a Netspend customer for about two years. I love Netspend at first but then I started receiving transaction that I did not make. I was told they were going to investigate it and received a new card. I never received a refund. That was the first experience. After receiving a new card, I didn't have any more problems, until the last two weeks. On July 5th I got a notification that my pay checked had deposited at 11pm that night. The next morning I went to make a withdrawal and my account declined it.

I didn’t have a regular checking account and I kept using Netspend as it was convenient. Having direct deposit if we need it for my bills on AutoPay is really good and makes things a lot easier. And I get my check earlier. I call the reps if I have an issue with my card being lost and they're pretty good to work with.

First, I have been unable to connect to their website all day. Upon doing a data check, the ping time is over 3 hours! Waiting for my Social Security direct deposit, which comes the 2nd Friday of the month, without fail. I always receive it by 2:30, usually sooner, but now it is going onto 5:30, and no money. Bank and Post Office are closed. And the stress I have had to endure today makes it not worth using this card/bank. I have been with Netspend since 2000, but this is all it takes to ruin a good relationship.

I usually get paid from NetSpend around 10 or 11 at night on Wednesday. Well this time it's my official check day and I still have not received funds and when I call they say they don't see a direct deposit pending. So when I called my employer he stated he sent it in and sent me where he sent the funds. I'm really fed up with NetSpend because this is not the first time this has happened but I am canceling my NetSpend card and switching to Amex.

I use my mobile to keep track of my finances with Netspend. I'm able to see my account online and I also get notifications every time my card has been charged. I also receive my direct deposit earlier than the actual pay date and it's easier for me to make some purchases by using my card. One time, I had lost my card and I didn't realize that I could go to an ACE Cash Express and have my funds transferred to another card temporarily. That was really helpful. I had good interactions with reps from Netspend. Using it to pay bills online and make purchases has been really quick.

NetSpend's direct deposit option is easy. I've experience two days faster direct deposit as well money transfer. I also love their online process on bill payment and purchases.

So for the last month and a half I’ve had a Netspend card I received my direct deposits on Wednesdays from my work and usually at 1:10 pm. It has been late a few times to where I didn’t receive it until late a night but I figured it was just because my work deposited it later than Normal or something. But now it’s Thursday and still no direct deposit. What the heck is going on?! I looked online and many other people had the same complaint in the past day or two as well.

They locked my card and online account for security purposes more than once! Which I can kinda understand but when you can’t get a hold of them to straighten out the matter is bull. You can’t get to your money even in cases of emergencies because they close. Nobody is there to help you till the next morning. No 24 hour service. Nothing. If it’s your money how can they do that. If you shut it down you should be there to assist with opening it back up!!!

I usually get my disability check a couple of days earlier than the day I’m supposed to get it with Netspend, and I don’t have to worry about cashing the check. Their team is friendly and efficient. It’s also very convenient to pay bills and make online purchases, and I can’t go over my debit and have money overdrawn. I’ve been with Netspend for years and I’m trying to get everybody else to sign up with them

I HAVE BEEN A NETSPEND CUSTOMER FOR ALMOST 7 YEARS WITH NO PROBLEMS. For the last 6 months I have been receiving fraudulent charges to my account most to which were resolved right away. On the 25th of June someone withdrew $900 out of my account without my knowledge so I disputed the claim, filed a police report and everything. On the day they were supposed to be giving me information on my claim they closed my account with no explanation.

I heard about NetSpend years ago. I chose them for convenience at the time and I wouldn’t change it for the world. I can do whatever I want with my NetSpend and everything's very simple. I get direct deposit and use it as needed. I've also got three reload locations right around the house that are really good to me. On top of that, they’ve always been good to me. If someone calls and needs help, they’re always there. So it’s been a really great experience. I’m already trying to get one for my son but he’s not 18 yet.

I purchased a NetSpend card for my sixteen year old to use for his Xbox. He did not read the instructions completely and tried to activate the card without me. When he found out that he could not activate the card due to his age we tried to reach out to NetSpend and received horrific service. Spoke to agents and supervisors who showed little to no experience with regard to this type of situation. I was promised a reimbursement check over a month ago for this card. I still haven't received this check.

I've had NetSpend for about a few years now and it is good. It helps me pay my bills easier since I have it deducted a lot better, mostly if I don’t want to do all the cashing on my check. I also use the direct deposit. I speak with customer service and sometimes I can barely understand them because of their accent.

NetSpend is the only bank I have now. They have the cheapest fee at $4.95 a month and there's no overage charges, which is nice. I can run it down to an accidental negative balance and it's no big deal, which is helpful because a regular bank is going to charge and charge some more. But the only problem I have is depositing checks and Walmart charges a lot of money, $7, to reload. While there are tons of reload locations, there's a reload fee if I go anywhere. I use reload locations about twice a year because I get my IRS check back or I didn't do direct deposit and these locations want fees. NetSpend must make sure that their partners like Walmart aren't gouging the customers. Maybe they should negotiate the contract and say that they may not charge above X or Y.

I have been with NetSpend for over 10 years, and I like that it is easy to get the card and to use it. It is a well-rounded type of card. I use it for payments and online purchases, and I also use the direct deposit option. I get my check easily a day or two before. It is great, and everything has been working pretty good.

I have had nothing but problems with this service also nothing but problems with customer service. I would highly recommend to anyone to look at different options. They say you get your payday sooner but every week you are wondering when you are actually gonna receive it. Also if your payday falls on a holiday they have no knowledge when you will be paid.

I got a loan and I saw the Netspend card and tried it. I’ve had it for at least eight years now and I was able to split my money up when I get my work check. I use the card for direct deposits and PayPal. I have a certain amount going to my Netspend card and a certain amount going to other places and I’ve never had an issue. All the times that I’ve called Netspend, they’re professional and they took care of the situation. My card expires 12/18 and I’m looking forward to getting another card from them.

With NetSpend, I get paid a few days early and I recommended it to people for a while because I’ve had it for years until last week. There was a transaction on my card in the middle of the night and I was at home asleep. I called NetSpend when they opened and I was told that a merchant made an error on my account. I had my paycheck deposited onto that card and I also had pending transactions that were about to be deducted. So that was a very huge issue for me and I was concerned. I went to Wells Fargo and opened up an account and I’m just gonna have my direct deposits switched over. Prior to that incident, however, I was very satisfied with NetSpend.

I recently was given a Netspend card with a 500.00 amount on it from a lender. When I tried to activate the card, I was told I couldn't because of past fraudulent activity!! The problem is I have never used a Netspend card before!! This is traumatic to me because I needed those fund for an urgent and critical matter! Needless to say I am very unhappy and frustrated!!

Netspend helped me a lot to pay easily. I could do things online which was convenient for me. I used direct deposits when I had a job. I had to call somebody to reactivate the account as I hadn’t put my money in the account over a period of months and I had to put some in. And Netspend’s customer service was nice and they answered all the questions I needed.

At the time I was working and making good money, I was carrying a lot of cash around on me. I decided to put it in a card instead of keeping it in my pocket. Netspend happened to be at the right place at the right time and I've been with them for 12 years now. Since then, managing my finances has been much easier and I enjoy getting my disability a couple of days early. I've used NetSpend for bills payment and online purchases, and I've had good experiences with it. They even contacted me once when there was a bad activity on my card. They blocked whatever was going on there and gave me a different card. NetSpend reps had good knowledge of what was going on and answered my questions. It has been an excellent experience and I've recommended NetSpend to several friends. It's a good card and it works so much better than some other cards out there. I've had some other ones but I wasn’t as impressed with them as I was with NetSpend.

I got rid of my bank account and decided to go with Netspend. I can go on their app and check where all my money goes. Every time I use my card, it lets me know. It’s a lot better than a bank account and a checking account because, as far as I know, checking accounts do not even do that. Their reps seem pretty helpful and they answer my questions. I use Netspend to pay bills and I just go to the locations where the bill is due. I also go grocery shopping with it. The direct deposit option is pretty easy. I just signed up for it and I usually get my VA check around the 25th and my social security around the 29th. Also, it depends if it falls on a weekend, then it’s a couple of days later. I have referred Netspend to quite a few people.

I've had NetSpend since 2007 and it's convenient. They are considered as a checking account too, so I am able to do my deposits directly. I know I go to MetaBank, but in my opinion, it’s not really a bank, which is how other people see it too. They don’t know that MetaBank is the actual bank. It is better than using Wells Fargo or US Bank, which I’ve had before. I use the overdraft feature too much. Plus, I like that there's only a $5 fee monthly. But I hate that I have to pay the extra ATM fee.

I’ve had Netspend now for five years. I had a business when I first got it and at that time, it was easier to for me take the payments online. Since using my NetSpend card, I’m able to see everything that I need to whenever I need to see it. However, my biggest issue is their customer service and the staff that they have. Every time I talk to them, it seems like they’re not trying to take care of the issue and they don’t know what they are doing. I know that their people use different names and when I speak to a supervisor I can’t get back in touch with that same supervisor. Also, if I tell somebody that this is what the supervisor told you, they tell me that's wrong and they cannot locate the person that I talked to even though there should be records of every person that accessed my account. I don’t understand why they can’t find the person or find out what we were told by their people.

I've been with them for 3+ years. Faithfully, my paycheck is deposited at 12 pm and my funds are available to me no later than 1:15 pm. Today, it's 3:50 pm, and I still don't have my money. They said MetaBank hasn't sent them the money. MetaBank says my payroll department hasn't sent the money. My payroll department says they sent it as usual like every other time over the past three years. Who's lying? Where's my money?

Tried out this company/card since I know a few people that has them. Worse decision made ever. I have all these random ATM withdrawals coming out of my account not to mention {while I’m at work}. I did dispute. Had to write a letter in regards of getting a provisional credit to only be told I had to wait 30 to 45 days because I was New customer. Seems to me you would satisfy any customer new or old in a timely manner to keep the business and for others to spread the God's word about your company but that’s neither here or there.

With NetSpend, if I overdraft by any chance, it’s only the money that I overdraft plus $15, which is so much easier than 33 and 36 that they are charging in banks. Being able to overdraft has helped a lot, but I’m trying to cut down on that a lot because I live in Virginia and it is very expensive here. Also, recently, somebody tried to charge $930 on my card, but customer service took care of it right away. They canceled the old card, sent out a new card with no issues. I’ve never had a problem with the direct deposit too. They’ve always attended to me in the most respectful way. They upgraded me from regular to premiere within the first two years as well, which is another benefit. Then, I got a $10 cushion. It’s just a really good company. I have been using it since 2009.

So once again I get an email saying I'm getting a direct deposit for benefits. I receive normally on the 1st of the month and it's not in my account. I go through this every other month. Now I'm in the hole thinking it's going to be there as promised and it isn't. Very displeased with their misleading info every month.

I have dealt with WU Netspend for years and 2018 has been the WORST! I have been getting disability deposit as every other Government SSA And SSI check and they started making my deposit later and later. I will be switching to CARD.com due to they are posting exactly 2 days early. Netspend has disappointed a customer in 2018, time to change and overdraft money you get from them is 15 or more is a setup to stay in debt. 15*6 months. You do math! Horrible Card.

I had a company that required automatic deposit and they were handing out paycards of their own, but I didn’t like how their paycard was set up, so I did my research and found NetSpend. I liked their lower monthly fee and some of their flexibility with the account options. I use the card for everything and I am almost positive I am above and beyond what an average user is. I also have tried their reload locations twice but the fees didn't make it worth it. I have the card for almost seven years now and I've not had to call in to customer service very often. However, it’d be nice to see some kickback or reward for my loyalty.

I have been using NetSpend for six years now. I could not get a regular bank account and it was the way to have my money deposited for school. I also use the card for online transactions all the time and that whole process has been easy. The thing I like the most about them is that every time there’s a purchase, it shows up on my phone. There has been a couple of unauthorized transactions over the years that I was able to catch right away. Also, I've lost my card once or twice and they have sent me one right away. Then, whenever I call, their team has been cooperative and they answer my questions. But now that I have a better credit, I have opened an actual account at a non-internet bank and I’ve been slowly transferring all my direct deposits over to that card.

I don't have a local bank account and a debit card so I have my payroll loaded on NetSpend. I've had it since 2005 and it is just all-around great. They only charge $5 a month now, and we get a little bit cash back but it adds up $2. I've accessed all of its features and services. Because my significant other got another NetSpend card, I could transfer money to him easily. The only thing is that these credit cards are turning to cards with chips in it and the machines don't read those. I only came across that one time though and it's okay. I told my son who lives in Gooding, Idaho that he should've activated the NetSpend card he ordered. I could've transferred him money on that card instead of wiring him some so he's gonna order another card.

I've had a NetSpend card for about 15 years now and with it, I get my check on time. However in the beginning, when we were supposed to have a direct deposit, it was supposed to be free but I’m getting charged for 9.95 a month which is ridiculous and I get $2000 worth of deposit every month. NetSpend also has terrible customer service. They don’t comprehend what you’re saying and a couple of them just didn’t consider it. Still, I’m satisfied with NetSpend. It’s convenient. I use the card to pay bills and purchase online.

My debit card was compromised yesterday and I still have the card in my possession. I had transferred all of my savings into the account yesterday (about $400). Someone somehow duplicated my card and went on a shopping spree. I immediately called Netspend to which I was told that they would close my account but there was nothing they could do for me until the transactions posted. They also then told me that I may get the money back pending an investigation. But this investigation would take 10-45 days!!!

I use NetSpend card to pay bills and make online purchases and their customer service could be better. Sometimes they can help but sometimes they can’t.

My mother has had an account with this company for 5 years and never had a problem until today. She called Netspend to let them know that there were charges that were coming out of her account every 10 minutes. They told her to close that account and go and purchase another card. She did that and that's where the trouble came in. She is now in the process of trying to identify her very own account not by information she used to open the account but through a public information system. They are asking her questions that she knows nothing about and they are holding her money. They keep telling her to call back in 24 hours then 48 hours and so on.

My eBay account was compromised. There was a charge of $69.69 taken out of my NetSpend account. I was sent 3 emails from eBay right after this transaction incurred that said the account was compromised by a third party. It stated that they cancelled the order. The email stated if charged contact your payment institution for refund. I called NetSpend, they cancelled my card, sent another one, gave me a number to contact eBay PayPal which I did. They referred me back to bank. Called NetSpend again and the agent released funds back to my account. Then a few days later NetSpend allowed them to force collect the 69.69 again when the card they originally collected on was cancelled. Then I called back. Opened a dispute. On May 9th NetSpend applied a provisional credit to my account.

My mom had NetSpend before I got it back in 2010. I was laid off from my job and I decided to close my bank account and get a NetSpend instead. Then, I learned the features of it and the benefits of getting the Social Security benefits early and getting paid early, which I’ve enjoyed overtime. And it helps you keep you from getting overdraft fees and the app makes it easier to send money to other people who also have NetSpend.

I have tried to get into my WU NetSpend acct. for at least a month or so now online. I was able to get into it before this but now it's telling me I have to download the app. I go to down load app. And it's telling me that the app. Isn't compatible with my Trio Stealth G4 10.1. What's going on?

I have been a Netspend customer for years and have never had a problem with my card until yesterday. I received a text alert that a purchase from Auto Zone in Bronx, NY for $97.39 was debited. I called right away as I didn't want any more of my money taken. I was told that evening that I had to wait until the charge settled before I could file a dispute. Now I have to send an email to request a courtesy credit to my account until the investigation is complete (2 weeks away). The problem I have with this is that there are pending transactions and the time it takes for a dispute, they will either decline or impose an overdraft fee when I tried to get this resolved promptly.

I’ve seen NetSpend on TV and I got in contact with them after I got a thing on my phone to take a survey. I was getting paper checks at that time and I wanted it on a card. Since I got NestSpend, I don't have cash sitting around. I also use them for making online purchases. I have MS and I can’t get out a lot. So, it's easier for me that way. At Christmas time, I get on Wish and Wish has got a lot of cheaper items. So, with NetSpend, I can get on Wish, order some free things and stuff that cost under $2, and have them shipped to my sisters.

I started dealing with NetSpend in 2008. A person I knew told me about it. NetSpend was local and I don’t really like dealing with banks per se and you pay faster. And I utilize the direct deposit. But right now, I’m waiting on the response from some disputes that I got going on. Somebody had used my card while I wasn’t around. I haven’t been able to do anything lately, but I do have an access to my card.

I received a prepaid card offer for my MINOR son today. He does not have any accounts online, nor an email address. When attempting to call customer service, it took me over 30 minutes and three different phone numbers to get through all the automated mumbo jumbo and on with a human. “George” had no answers for me as to what partners they work with to receive names and phone numbers of potential clients. He then assured me that my son will be marked as a minor in their system and will no longer receive mail from Netspend. I ask him how he can assure that when I didn’t give my son’s name, address, or the card number that was sent to him. He tells me that if we don’t activate the card, it will go “black” and will not be contacted again. How is that marking this card number as issued to a minor as opposed to it falling off their system because it was never activated? He again “assures” me he will not be contacted again.

My issue started on June 6th. I saw a text message that a charge I hadn't authorized was charged to my card. I called and was advised that we could close that account. I was concerned because there was a direct deposit due that night. I was then advised that I could get a new card and the money could be put on the new account. I was told to call to activate the card. When the card was activated I was told everything was set up. Early the next morning I received a text showing the direct deposit. I made 3 small purchases.

I've been with NetSpend for years and never had a problem up until 2018. I withdrew money several times over the course of 3 months for fuel purchases. The fuel I bought was bad, not enough to cause instant breakdown, but enough to cause problems over time. When my truck started having issues, I took it to a shop. They said the problem was bad fuel. I spoke with both gas stations I had made the withdrawals from for the fuel purchases & told me that since the fuel is not considered returnable, I would have to file a dispute with the card company to get refunds. Ok, fine, whatever... Netspend allowed me to file disputes for all ATM withdrawals that were used to purchase fuel.

I tried out NetSpend and eventually, I came to like it. It was a new product and I enjoyed its features and benefits. I have been with them since 2009 and since then, I’ve been able to do better because it accepts easy access, no red tape and no changes to have to go through to access my money. I just take my direct deposit off and do what I need to do. It’s as easy as going to an ATM and withdrawing my money. NetSpend is a very convenient way to manage your money and most people who don’t know about it are missing out but I try to spread the word.

Ok so I signed up for Netspend and went with the direct deposit which was advertised if you do it this way, you will get your money faster. Well, after confirming the card is activated, signed up for direct deposit and verified the numbers were correct, I never received my money early as advertised. Kinda wondering hmmm I hope it's not a sham...

Banks totally upset me because it’s all politics. I filed bankruptcy when I was getting divorced and they put me back on the check system. They were supposed to not come back on but they put themselves back on and at that point I decided I didn’t want to deal with them and I was not gonna have a bank account. So I looked for something else and I found Netspend. I got a card when my son was diagnosed with autism and he’s 19 now so it's been a long time. He got Social Security for disability and setting up direct deposit on the card was super easy. This last time, I got a card for me but they misspelled my name and it took them 20 days to get my name corrected. They said they couldn’t do anything until I got the card so when I got it, I told them and then they sent me another one. But I couldn’t do anything until then.

I got gas a couple times, even went inside and paid cashier not at the pump. But they still held 30 to 40 dollars extra but it was never returned to my card. This time I got a text as usual for all my spending and it said 168.42 available after 100.00 purchase at ProTech Auto which was correct except for my next purchase of 40.72 said my available balance was 27.70. Do the math on that. Where is the other 100 dollars? All I get is automation when I call about my account.

A friend introduced me to NetSpend in 2012 and at that time, I didn’t care too much for traditional banking so I liked what NetSpend had. They were sufficient enough for me and it’s been working ever since. Setting up the direct deposit was fairly easy and I can get paid a couple of days earlier. I don't have to go worry about having to go into a bank either. I can go to any ATM and get my money if I need to. Making online purchases or payments is also convenient. Having NetSpend is like getting to use a credit card. I also don’t have a lot of overdraft fees with NetSpend. When I would call my bank, they would tell me that because I spent $1 over, they have to charge me $35. I don't have that problem with NetSpend. In fact, they even give me $10 as a courtesy. It’s like when I have $800, they would give me an extra $10. That means something to me and I can’t get that from my bank.

I've had NetSpend for so long and I’ve managed my finances better since I started using it. I’m able to use it to pay bills and make online purchases, which is very convenient for me. I called their customer service team about a dispute and they were able to handle it in a very timely manner. It's been a great experience.

Netspend gives me my money early. I get a social security check and I get a pension check. They go to two different banks and one of them is NetSpend. I pay my bills exclusively online. I have a very good experience with NetSpend. I use them every day and would tell friends that I like it.

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’ve been with NetSpend for years and back then, it was a lot simpler. It’s a lot more difficult now because of all these new rules that they got with the card. When they got overdraft protection, I got into the program and it is more like it is now but they didn’t do it 12 times within the year. I don't use overdraft protection unless there’s something important but when I used my card the last time, it was declining. I checked and it was active so I tried to use it again but it kept taking dollars off every time they decline. I finally called NetSpend and they told me that it was temporarily deactivated until the 28th because the 12 times within the year was up. I usually get a text or email saying that. Overdraft protection is hard when you live paycheck to paycheck and then an unexpected bill comes through and you gotta get it. But as long as you keep an eye on it, you shouldn’t have a problem. That’s okay and it’s amazing that a prepaid card gives you that option to do that.

I really enjoy my Netspend card/Account but I receive payment in personal checks and I have not been able to get the mobile upload function to accept the checks. They ALWAYS fail and am incredibly sure there is nothing wrong with the checks or the accounts they come from. I’m going to have to go back to a normal bank... Very disappointing.

NetSpend is the only company I trust. I’ve been with them since 2005 and my experience with them has been awesome. Their team has always been well-mannered, very helpful, polite, and patient with me because at times I drive them crazy. I have short-term memory loss and I'd forget about what I called them for. And when I call them about those things again, they just take it and go and they don’t ridicule me. Then, if I have a problem with them, I just go to my messaging box, do the complaint form, and they acknowledge me right back through my email immediately. It’s like they read it right then and there as it’s going through.

I activated an account for my business on May 7. We funded the card with $5,000 (cash) so we could pay several large vendors online without giving them direct access to our checking account. I received no less than a dozen communications from Netspend over the next few weeks and they all seemed positive. I then gave one of our large vendors the Netspend debit card number so they could charge about $3,500 against the account.

Netspend took money out my account, and want refund it back. I need legal help, I was charged for a Hotel that I proved I checked out, The Hotel even said they didn't charge me, Netspend needs to be investigated, I know I'm not the only one.

I went into an ACE store and a lady told me about Netspend. At that time, I didn’t have a bank account and I just started working so it was perfect for me. I went with Netspend to get direct deposit and to be able to use my card instead of cash. Another thing, it is good for me because I have kids staying in another state and I got another card so I'm able to transfer money. I also use NetSpend for bills payment and online purchases.

Netspend is a great card. I use it all the time and I don’t leave home without it. I get my direct deposits early and I'm happy with that. I also can go to either CVS or 7-Eleven to load my money or I can buy a PayPal card, transfer the funds to PayPal, and then transfer it to my Netspend PayPal MasterCard. I always know what's going on too because every time I make a purchase or if something comes out of my account, I get notifications. Also, If I lose my card, I get it quickly. The monthly fee is fair and I get a $10 overdraft, which is cool. I would recommend Netspend.

I recently bought a PayPal prepaid card, loaded it @ Giant Food store. I got a receipt from the store saying it was activated. In fact it was not! The Card has to be activated by Netspend. This requires many proofs of ID and so forth... Dealing with the Filipino reps was a nightmare. It took me 3 days to get the damn card reactivated as the store activation did not count according to Net**! This card had nothing to do with PayPal PERIOD. I paid $2.95 activation fee at Point of purchase and that meant nothing to Net**! 3 days of back and forth was horrible. I can't tell you how many time I was told that my info was not in their database and that I was a liar. I HAVE BEEN WITH PAYPAL FOR 11 YEARS, MY ACCOUNT HAS ALWAYS BEEN IN GOOD STANDING! My address was my address! Rejection of documents over and over. They only want your info for marketing... That's it!

I received this email on a May 18, 2018. As you can see, it states that my deposit may arrive as early as May 29th. My check is for the 3rd of every month. Last month it came on May 1st, so I assumed it would arrive at least 2 days early. Isn't that what you promise on your ads? In light of the above email, I booked a trip with flight and hotels. The 29th came and went and no deposit. I repeatedly called PayPal only to re-read the email to find out it came from Netspend. I couldn't make my flight because the money wasn't there. Take a flight and have no money to rent a car and pay for the hotel? Or food? I am out the money for the flight and at least one night at a hotel.

I saw NetSpend in the store when I was shopping and I wanted to try it. Since I got the card, every time there’d be a withdrawal or a deposit from my account, I'd always get an alert to a couple of things and that's a big plus. If I got something that didn't belong on there then I could take a note of that. Using the card also lets me carry less cash and I feel more secure. I've been paying bills online with it as well which is another benefit. It's very simple to do and there are no complications. Then, when I had an issue with a merchant as far as me not receiving something I already paid for, they took action on that and took care of it for me.

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.

I recently found a dispute about $162.50 being taken off my card. I got an email back stating that they was closing my dispute because they didn't find any unusual activity on my account. I did not use my card at a Walmart to withdrawal money and usually when a transaction is made on my card I get a text alert on my phone immediately after I make a purchase. On that day I did not get a text alert stating I had withdrawal $162.50. I had no idea that money was taken off my card. I explained this to the customer service rep that I did not make this purchase and I did not get a text alert but they do not find anything wrong with the card or my account. I'm very dissatisfied with the investigation that went on to my card and I would like this to be resolved.

I got a tax refund about six years ago and it came with a NetSpend card so, I’ve been using it ever since. Not only do I get a direct deposit from just about everywhere with it, I get it early too. Plus, I get my social security six days early. It’s good and I like it a lot. It cost me $3 to reload it with Walmart but it’s not bad. It appears in 5 minutes. Every time I called, asked a question or emailed NetSpend, the reps have always answered it and without any problem.

This company is crappy. They will hold your money and they think it's ok. Well how would they like to be the way they do their customers make the customer nearly beg for the money that belongs to them. Well if I don't get my 650 by Tuesday I will seek legal action and bring down. The employees of this company needs to seriously be wise and find another job 'cause this company needs to be shut down.

NetSpend was big here in San Francisco when I first went on disability. At the time, I needed someplace where I could put the money and add it on my bank account. I’m also lazy but I was working on my credit and I wanted to make sure that by the time I went and got a real bank account again, everything was taken care of. And getting the NetSpend card was the easiest way to do that. So far, I’ve had issues here and there, but nothing major, and I've been pretty happy with them 95% of the time. But 5% of the time, I get irritated.

I received a unsolicited card, with my actual name on it, today. It was SUPPOSED to be in my mail but it was misdelivered. It was placed on the hood of my father's car. What if someone else had gotten their hands on it? What if someone else was walking around calling themselves me because they activated a prepaid debit card with my name on it that I NEVER would have asked for. Don't send REAL cards! That's dangerous as hell!!!

I’m on disability and with NetSpend, I could get my money up to five days earlier. A friend told me about them and I've been with them since 2011. I had a few issues but they weren't bad. There was an overabundance of bills that came up unannounced. Outside of that and not knowing when my money’s coming in for sure, NetSpend has been pretty good.

Netspend has a current theme going on. I am sure some others are experiencing the same. As I have had an account for many years my payments are processed rather quickly. Maybe 1 to 3 days as they are posted. Lately when a large amount of purchases are made they have been delayed for up to two weeks. Every morning I check the balance on my card before starting the day. The running balance is correct, except when going to the ATM where the balance is not showing with the pre-posted charges. My account is showing the additional charges available when they are not. Be careful as the fees will stack against you on each purchase as they are posted. I have two friends go negative over +$100 dollars in fees with this current trend.

I recently went back to using Netspend after taking a break for about a year. During this time I have found out there are limits to how much money can be in store cash loaded to my card. With that being said I was told by one customer service rep my 30 days would start over on May 7th. At which time I could begin loading as normal until I reached my load limit of 15,000. However about 5 days ago my card stop allowing me to load again at which time I called Netspend. I spoke to 3 or 4 reps that assured me my card was fine and to go to other locations and try to load a different amount. Until finally yesterday a rep explained to me which I am still confused about that my 30 days is rolling and I had to wait until the end of June before my 30 days would start fresh with the 15,000 Load amount. Confusing right? Yep me too.

I’ve been using NetSpend for over ten years. I’m disabled and my NetSpend card is convenient for me. But all I get is a $3 overdraft. Nonetheless, the reps that I spoke with were good and they were able to help me out with simple stuff.

NetSpend doesn’t charge heavily for you to have it. I’ve had it long enough where I can get over $10 if I need to without extra $30 cost. And they only charge $4.95 a month for the service. I can use it for anything except for renting cars or mortgage payment. Also, the direct deposit is always early, and I love it. Right now, I’m using reload locations because my direct deposit isn’t activated yet. Direct deposit is free but I don't like the reload locations as they cost too much. It's $5 no matter what you’re putting on there. Plus, the customer service representatives are nice, friendly and helpful every time.

I saw NetSpend on the street when I was on the bus. At the time, I didn't have a record of bank account and I just started with disability and I needed direct deposit. I liked that my deposit hit two days earlier, which allowed me to keep a handle on things. There were places that I told I would pay them on the 1st and NetSpend was good about having direct deposit come two days prior. So, I've been able to pay my bills on a regular basis and I could always count on NetSpend living up to their part and their end. I use NetSpend both to pay bills and make online purchases. I don't always keep cash on me, so the card was very convenient. I really haven't had any problems up until something happened to me a couple of months ago.

I used to do taxes for PLS Tax services, a check cashing place and got to know of NetSpend. I was trying it out to see how it worked and so far, it has worked for me. I’ve been a customer since 2009 and I'm still here. I use Netspend for bill payments and online purchases all the time. I had an issue with that once though. I had to sign up for a service and account froze. And for some reason, they went ahead and took the money out of my account. But they put it back in there.

I’ve been using Netspend for over eighteen years and I've experienced the different reward discounts from using my card. I've used my card to pay bills and make online purchases and it was as convenient as any card. However, the last time I talked with one of their reps, he was very rude and disrespectful. They didn’t know how to talk to people.

I have had other prepaid cards like the Amex Serve and have never been charged a per transaction fee. You have to buy the Netspend card to find out they are charging @2.00 per transaction on top of the loading fee. If you do not catch this you are doomed during the activation process. No choices are given for any of the various fee plans. You are just automatically put at the highest rate and then when you look at your statement you get a nice surprise of a ton of fees. They must be making a fortune off the first month customers like myself, I spent an hour trying to get satisfaction from Customer Service and their attitude was "Sorry Sucker!"

I needed a debit card because my Social Security would be sent to the check cashing place. I was told that I could either pick up my check there or I could have it put on the card. So, I chose the card and got a Netspend account. I've had it since 2007. I do direct deposits but if my money runs low, I just go to a reload center. They also got this thing where you can load a check from your phone to your account, and it’s even more convenient. The only problem I have with Netspend is that they do not do it like what banks do where if you do any transaction, you could see the money taken and what left you with this balance. So, I kind of get confused sometimes. I fully trust NetSpend, though. I haven't had any kind of discrepancy with a purchase that I made or any problems with someone taking money out of my account that wasn’t supposed to be taken. They’ve been always good about giving me my money as well.

Netspend reached out to me regarding clarification on policy and was able to hear my concerns. I appreciate the response.

My daughter. Michele, had a NetSpend card and she still has one. I got a NetSpend card as well when I was going through a break-up with my ex and I’ve kept it ever since. I pay everything with my card. My card has direct deposit, but I also run the Money Center for Wal-Mart, so I reload quite a lot. The representatives at NetSpend that I have spoken with have been wonderful.

I got Netspend so my daughter could get her disability. That's where her government check comes to and it's very convenient. The deposit comes five days early and it's always there whenever they say it's going to be there so it's good.

I’ve been with NetSpend for quite some time. A month ago, my card was going to expire and I saw that NetSpend was offering new cards for customers that had been with them for a while. I just wanted to change up the style and the color of my card. The first person I spoke to told me everything was fine. They ordered me the card. I got the card and it was the same card that I already have. It was updated just as far as they just changed the year.

I've been using NetSpend since 2009 and utilize their direct deposit. The service is fine and the representatives have been great.

Last week I deposit almost $400 and I was waiting for Sat to go food shopping then I receive a text saying there might be a problem with my card. I call Netspend to find out that they closed my account that they will send me a check of the amount by mail that it will take a week for me to get it, I live paycheck by paycheck now. On 5/16/18 I call to find out the status of the refund check. Now they say they have not yet send it because it has to be send back to the source. HELLO THE SOURCE IS ME. I DID A CASH LOAD AT WALMART SO ARE YOU GONNA SEND IT BACK TO WALMART. Please explain because I don't get it, not my money I don't know where is gonna end up. I might never get my money. I started talking to a lawyer to see what can be done. Is my money my money.

This is a email that I have placed to Netspend without any response. "My name is Angelina **. I have been a customer with NetSpend for the last couple of years. This is the first time in the couple of years that I have felt the need to write and follow-up this emails to other people in the state of Maryland and also on the federal area. If nothing else this will serve to others as documentation of bad practices within this company. I called today because I noticed a couple of transactions that were not authorized and as stated to me before I am to contact the person who actually took the money out of my account before contacting my bank.

NetSpend was the easiest way for me to have money when I first moved up here in North Carolina, and I’ve had it since 2010. I didn’t have a banking account and the NetSpend card was the only card I had. Everybody in the family has one and we can move money a lot easier. And the people from Netspend are really pleasant and very helpful too. I pay everything online with it and I have not had any problems. I have a direct deposit and there have been times that I have gotten cash from something and I’ve gone right to Walmart and they slide the card and put the money right on there. The NetSpend Card is one of the best cards and I tell everybody about it.

I placed a claim over 13 days ago and I have called Netspend MP service # every day and still nothing. My account has still not been fixed. I live in California and a person in NYC used my card info and spent over 2,000.00 of my money. I now can’t pay my rent or buy groceries. I have filed a police report and sent in letters etc. and still nothing. I am so very upset and can’t believe this has not been fixed yet. Please someone HELP me. I have never in all of my life heard of a banking institution not fix something like this. This is so very wrong and illegal. I need this fixed ASAP. I was given my 3 day notice to vacate yesterday. Please have someone call me directly at **. I need some answers or they WILL be hearing from my attorney.

I spoke with a guy named Mosif. Very rude and laughed about my complaint. This company doesn't like to bend. This is my money we dealing with. Very unprofessional. I will be switching my direct deposit to another bank.

I've been using NetSpend for years; probably at least 10. I purchase through Moneytree because I have a longstanding account with Moneytree and they are linked with them. One day, after all these years, I tried using my card and though there's money on the card, it gets declined. I've had the card so long, I'm thinking it must be the magnetic strip is worn out. Instead of waiting for another card, I purchase a new one at Moneytree. It works for a couple of purchases then gets declined with funds on the card. I call NetSpend and they won't give me any reason or explanation why I can't use their card anymore.

I am writing this review because I don't think that NetSpend is able to live up to what they are selling. I originally signed up for the card so that I can get my money early. I am now sitting here only hours away from my regular payday and I'm asking myself why do I even have a NetSpend card that charges me money to get my money early when I am not getting my money early? I called customer service and they keep saying that they don't see a deposit but it is after business hours the day before I get paid. I'm sure the banks have deposited money by now. I'm also sure that someone else isn't doing their job. So I will be cancelling this card as soon as I get my money and just go with my regular bank since it's FREE without any false advertising!

NetSpend is a good option for people who may not be otherwise able to open up a bank account. I had issues opening up a bank account so I got a NetSpend instead and I've been with them for quite some time now. Their service is great and even though I’ve been able to open up a bank account, I still kept my NetSpend account open. I use it mostly to pay bills. I’ve used mostly direct deposit and I’ve done the reload three times at the most. I had to call their representatives a couple of times and they took care of whatever issue I had.

I was hoping to have a good outlook on Netspend but I can't because the company lied. It said, "You will get your direct deposit up to 2 days early." Well I'm here to say that's a lie. I'm still waiting for my deposit to show up on my card early. So to everyone who think you will get paid 2 days early it's a lie. You won't.

DD was finally received today.

I was one of NetSpend's first customers and I've been with them for at least 11 years. It would be nice if they keep hold of customers that had been with them since Day 1. Using my NetSpend card to make purchases is pretty convenient if it's the first time ordering from somewhere or generally a virtual card. I rarely use the reload locations but when I do, it's fairly easy. Yet, it always irritated me to have to pay money to use my money.

I got this card thinking it was better than a Walmart card but NOOO way, far warning!!! DON'T OPEN NOTHING WITH THESE PEOPLE OR COMPANY. After asking for a new card cause my old card was compromised so I call asking for a new one in 3 days they charged me $20. Ok fine. I never got my card in those 3 days and when I asked for a refund they said I had to call UPS to get the refund. So I called UPS and they had to open an investigation because the company said my card was delivered at my door but there was no package at my door.

I wanted to have a direct deposit account and ended up with Netspend. Aside from getting my direct deposits a couple of days earlier, it's also good for paying my bill. That process has been very convenient too because I'm going through a dispute right now. And although it's slow going, Netspend's handling has not been bad.

It was easy to apply for a Netspend card. I do direct deposit social security with it and then my insurance and important monthly payments are pulled from there. It's also much easier to know when those are paid since it pops up and tells me if it's paid. However, my card expired and I didn't notice, so the bills didn't get paid and it was a month later when Netspend sent a new one. They did the very best they could, though, because the minute I noticed it and asked them to take care of it, they overnighted me a card. Other than that, I liked everything with my experience with Netspend. I would recommend it to my friends who are planning to get a card like that.

Received a Netspend card as a gift in 2016 & forgot about it. It was purchased at a local grocery store. Not surprised to learn today that it now has a zero balance due to a monthly fee for the honor of having one of their cards in my name. Supervisor said there is nothing he can do to get the money back. Moral of the story is: 1-Don't forget to use gift cards, 2-Never buy a Netspend gift card/debit card.

I continuously try to use my Netspend mobile check load with a payroll (hand signed) check from my boss and office. I have no bank and NEED this to work for me. I always end up giving my checks to my husband because he has a real bank account (unlike me, I only have Netspend). So annoyed. Why won't the mobile upload work for me?! I want to cancel Netspend and find an online bank that will actually accept my money for me! Also, is there another way to cash the check and put it on to my account? Besides paying money at check cashing stores.

Using my NetSpend card, it’s easier to get direct deposit and I have conveniently bought a couple of things online too. It can also be used to send money back and forth between people. Also, I like that I’ve been able to transfer money from PayPal straight to it, which happens immediately. The NetSpend team has always been helpful and they take care of the situation quickly, if there is one.

Been with Netspend MetaBank now for 6 years. Only lately do I experience so many problems. My question is what happen to the 2 day early deposits? I also would like to know if you are expecting a Government deposit why does it take the whole entire day to be posted to your acct? Social Security explain to me that once you all get our money that you all use your own discretion to post our money to our accounts. Some of us depend on our deposits to be made on time because of bills. But it's like when they hear you complain to them over the phone and its like a joke. They make you wait. If we have to wait till the 3rd and you all advertise early deposits and it don't happen, and to wait half the day we may as well use a real bank where our money is available to use early that morning. I've never had any problem with Netspend before but this is totally unacceptable.

NetSpend's been great for me. I've had them for almost four years now. My wife has an account with NetSpend also. I like it. I was just surfing through the web and I saw like an ad saying if you need like a credit card or checking account for free. I needed an extra card and it basically became my number one choice. I get my tax returns and direct deposits from there. I like the way it runs and I don't mind if have to pay a fee every month. It's easier than being charged per transaction.

I went to a check cashing place and I got Netspend cards through them. And since I heard good things about them, I took a chance and used them. I've been using Netspend for four years and I use the direct deposit option. I also reload sometimes and I've been able to find reload locations easily. Also, I'm able to manage my finances a lot better since using my Netspend card, and I can keep track of where everything's going. When I lost my card, I reported it and they sent me a new one right away. I'm gonna use Netspend forever, and I'd tell others to do it, too. Netspend is easy to work with and your money will be safe with them.

I've been with NetSpend for 15 years and I initially got in contact because it was easy and quick. And they did better value with me. We use the card for the hotels and rental cars and that's one thing I like about it. Also, I can hold a ring with it without having to pay until we get there. My kids have NetSpend, too, and I'm trying to get my friend on it. I can wire him money well and if he has NetSpend, we can do something where we can send money though a Flash.

After using Netspend for nearly 8 years and getting my deposits either same day or the advertised two days early Netspend has changed. Now whenever my deposit is sent on a Friday I don't see it until SUNDAY around 7 PM. When I contacted customer support the first time it happened they said they didn't see any deposits for me and that they don't deposit on weekends. Then why am I getting my deposit on Sundays? I'm switching to my regular checking account. Whole reason I pay almost $5 a month for Netspend plus fees to reload outside of my regular deposits is because it was always nice to get my money same day or occasionally early. Otherwise there's no point in using a prepaid.

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I'd tell my friends to sign up with Netspend immediately. They have good stuff like their great benefits, the text alerts, easy online banking and getting your direct deposit up to two days early. Their reps have been fantastic too. I have been with them since 2012 and so far, I'm completely happy with their service. I use the card all the time to pay the bills. I also manage my finances with the mobile app. They've streamlined it and made it more easy. It has evolved since 2012.

I utilize my NetSpend card to make purchases and sometimes to pay bills or send money to friends and family. It’s more of a convenience purpose. I use the reload option more frequently and I only use the H-E-B reload location. And the process is very easy. I’d recommend NetSpend.

After a difficult experience filled with poor customer services a very polite company representative called me up and sent our check for $60.00 as they promised. We will cash it this week.

I've had my NetSpend card for 10 years now and I use it for multiple things. It's very convenient to use, particularly as a regular Visa. I like how quick one can get their funds that are directly deposited into the account. It's five days faster than most places. It's just hard to contact a human but once you do, it's fine. So, NetSpend is well worth using and I do recommend it.

NetSpend was a referral from a friend and I’ve had their card for three years now. My experiences with banks weren’t all that friendly and I wanted to have somewhere to put my money so I chose a prepaid card to see if it works out for me. NetSpend has a payback reward which is definitely a benefit. Also, if I have a refund that is pending, which can take up to 10 days, I can contact NetSpend and they will release the funds with a little disclosure. And that’s very convenient as well. I use both NetSpend’s reload locations and the direct deposit option. The only thing I don’t like about the reload is that it’s almost $5 and then I can only load $500 at a time. If I could load more than that at a time, I would like that option. Direct deposit is certainly easier but I can go to the store without the card and put money on, but still with a fee.

You spend 4 plus dollars on just getting the pack. Then you must go online and enter the code on the pack. Then you must wait 4 hours to use the money. It says that it must be verified. But a credit card company that needs 4 hours to verify the information that’s already in their system. Come on, Really??? You can take the money right away for the card, take the money for the use of an credit card/atm purchase but cannot let me use the money for 4 hours after purchasing the pack. So my question is simple. Why? And not one of those redundant answers like it’s protocol. The real answer is they’re doing what they can to make you suffer. Take, take, take and won’t give without a four-hour wait and a fee.

Had this card for almost a year and I always get my direct deposit on Wednesday but me and my wife didn't get it today and I spoke with my employer which is Whole Foods and everything is good on their end. These prepaid cards are no good and I will be going back to Bank of America.

I had to give one star, because I couldn't give 0 stars, or even negative stars! I received a Netspend Credit card in the mail. I was surprised because it wasn't a 'dummy' card with an offer to apply. It's alarming to receive a credit card in my name that I absolutely don't want, need or asked for. My credit score is locked to avoid this kind of scam, so I was further confused and angered. When I researched it, I found that this is their tactic. Send people cards, hope they call to activate, then start charging them fees and penalties. Of course I shredded the thing. Be very careful with this company. In this time of decreasing regulations, we are losing our protections and must be vigilant.

I've had Netspend a long time ago and I stopped, and then I used them again because it was easy for me to get some of my money instead of putting certain checks on it that I receive. I have RushCard but it charges me every time I swipe my card versus if I have direct deposit. Netspend only charges a certain monthly fee and I'm able to check it constantly online. I get a text message that tells me what my balance is and what I've swiped. I've signed my Netspend card for bills like water and lights, or whatever I need to pay because I don't wanna use my other card. I see how much I have on my Netspend card and I'm gonna use it for all those bills. It's convenient and I have one reload location right down the street. I use the direct deposit but I also use the Netspend location because if I have to pay my card and I'm trying to pay more than one month, I would have to go into the store and make a withdrawal.

NetSpend was pretty much the fastest way to get paid and it was easier than dealing with the bank. I manage it well, but it’s been the job lately that has caused a little bit of a delay. Otherwise, it works just fine. The fees are not high and I can have a checking and a savings account without going through different requests. Netspend is very convenient to use and I'd tell my friends to definitely use it.

They blocked my account without my permission. Then blocked me out my own account. Asked me to verify and I did and still didn’t send me my refund check once they closed my account. They stole $1700.00 from me. PLEASE I repeat please do not deal with these CROOKS. They will steal your money and make it very difficult for you to get it back. Complain and get a lawsuit. We need to get them shut down!!! They are going through legal troubles now for stealing from millions. Don’t worry. There will be no Netspend soon and they will have to refund us all back. It just a waiting process. Just stay strong and positive. - From another dissatisfied ex Netspend Customer. I wouldn’t recommend them to anyone. Wish I could give minus stars. They're horrible.

I’ve been a loyal customer of NetSpend for over 10 years but my experience with them was horrible. I’ve been trying to get a new card for about three months now. Until then, I have to keep buying temporary cards, which costs $10 a piece. They said I have to put so much money on the cards. I told them that they have all my money and I can't put money on those cards this time. And then they told me that they can't sell me the cards until I put money on them.

I have been using Netspend for just under a year. I was so pleased with the service at first up until now. I purchased a 280$ prepaid debit card on Friday. I had called prior to purchasing the card to close out any other active prepaid cards I had in my name to ensure there would be no problems activating the card. The customer service rep granted my request and said I would have no problems activating a new card. I went to CVS to purchase the card and once I followed the activation steps online I proceeded to go to the bank and they told me I had to call to verify my identity. I called and one of the security questions was “in what year did you purchase a Saturn”... I have never purchased a Saturn in my life. I've purchased 2 cars in my life - a Scion and a Ford Escape.

Netspend is awesome and I've experienced getting paid earlier through it. I also use it for direct deposit all the time and pay phone bills, but mostly it’s my spending card so I use it for food and when I got out. However, when I dealt with their team, it was a hit or miss. I had a pleasant experience with them but most recently, I didn’t have the greatest of experiences. When I ordered a new card, it went to my parents' house and when I asked them about it, they said they got the wrong address. I didn’t get it and then they sent me another one but it wasn’t the same card because I got the personalized one with the picture of me and my fiancé.