Netspend Reviews

I found a $250 Netspend prepaid card that I misplaced. I registered it immediately. With all the fees they charged, there was only $35 left on the card. DON'T USE THEM!!! They stole my money for inactivity.

I received an email stating my account was closed from me and suspicious activity. I didn't authorize the closing and they are taking $20 from my account and the rest sent via check. I talked to a lady who claims she talked to a supervisor and she didn't. She just talked to the people that closed my account. I have had this account for many years. I pay bills and receive direct deposit to it. I'm very upset about this matter and I am not going to stop with the complaint of this matter. This is how you treat long term clients? I think they should investigate these issues and none who speak english. I am putting this on every site for reviews to take away from any future stealing of accounts. I am moving to Chime. They have better customer service and speak great English. I am Contacting Supervisors, BBB, and other places where it can't be ignored like I was on the phone.

I love the Netspend prepaid debit card. I can do anything with it. I've been with Netspend for many years and had very few problems. And the problems I had got taken care of quickly. Except for one. But that is in the past. I do like the fact that they won't pay if it's not the normal thing you do. Except one time. Now on the other hand their on-line app (even the new one, witch I just got off of) sucks. The AI can't do shit. Not even answer a simple question. But it can understand when you call it stupid or a cuss word.

They keep taking options away. You can’t cash a check and you won’t receive daily updates about your account. My card was hacked and the only way I knew about it was over the daily updates. Chime has all of these options.

If I could give them no stars, I would. They suck. Their customer service sucks, they lie. They cheat. They stole money, their president's a sham. He charges you 2.95 for a prepaid card or she, I don't know. That you can get it like your local, 7-Eleven and stuff like that. But what they don't tell you is when you add your money to that, you pay that 295 fee. They're going to hold your money hostage from you. They're going to make you send in an ID and another form of proof of who you are. That's got your address and your name and their cause that says college transcripts, stuff like that in court documents that are notarized.

I've been using the app for more than a year, I pray this helps somebody! Even when I keep the app locked (except for purchases), they take out funds I do not wish to pay for anymore. Granted, I can call the company but money is never to be taken out of an account that is locked. I'm asking that you correct this. Thank you. 👍

I was scammed by fish bear studio, a company I have never heard of for almost 1000. Netspend for 6 months said they would have someone call and never did. Took 2 months to get a new card and I still do not have my money back. I closed my account because I expect better customer service when I report fraud. This is sad that I have to leave a review to possibly be assisted. I gave you all a 1 only because I could not put 0. I will never recommend Netspend to a soul due to how I was treated with fraudulent activity.

My card has been stolen and I'm waiting patiently to get Netspend to help me out on my claim since October 31. I was told about a provisional credit but haven't received or heard anything from netspend. I have been with them for over 7 years and I'm a retired marine veteran of 25 years. I'll keep everyone updated on outcome.

I have been with Netspend since 2006 and they upgraded me to an All Access card in 2008. I have a savings account also and if they think your card has been stolen they will block the use of your card. The only drawback is the twenty dollar overdraft fee.

My account was hacked. They gave the runaround. Put me on hold forever and never come back. Transfer me to line that no one answers. Have so called VPs call and never call back. Then after all that they sent my check back to ssa after 6 months. I had been working with them to get it back. They completely ruined my finances that I was trying to build up. They face no consequences except this review. Put your money anywhere but with Netspend.

Updated on 09/01/2025: Netspend said that they responded two days ago. I didn't see it. Don't know if my last one went through but I'm a Veteran with Grandkids that I love spending money on. To have Netspend or Takeskin rob them makes a bad America. $1203 is what I am owed on my card and they won't give it to me.

I’ve been able to manage my finances better because I can put my money on my Netspend card and use it to pay my bills. I don’t have to worry about anyone pulling money out without me knowing because they send alerts asking, “Did you buy this or not?” I love the way it’s performing. It’s great.

I wanted to try an online banking company that was okay and got the Netspend card. It took a while for my direct deposit to come in ‘cause my payment had to go in 20 days before the deposit. But it’s a good thing to have and I’m happy with it.

Netspend is fine and I’ve had no complaints. I’ve contacted them a few times but sometimes, the accents of their customer service reps are too strong. Other than that, I would recommend them.

This particular card company takes advantage of others by charging lots of fees. I closed my account out shortly after being charged a fee just got have the account immediately after funding it. It stated that there were no fees to have and use the account and card. NetSpend does not stand behind what it advertises and promotes. NetSpend claims that there is no way to waive fees for its accounts and cards. Thus, a NetSpend account and card are not recommended to anyone who hates being nickel and dimed just to have and use an account and card. This is highway robbery. I would not recommended NetSpend to anyone.

There was a brief interruption of Netspend internet service in which we could not access our accounts. A phone call to the 737 number explained that it was not an isolated problem and that it would be remedied as soon as possible which was greatly appreciated. Access to my Netspend account was quickly restored by Monday morning.

Netspend offers the best choices. The Netspend card is better than what I had before ‘cause it’s convenient and easy to use. I use it for direct deposit and withdraw money from the ATM, and there’s a lot of ATMs close by, so it's been okay.

I have been using a NetSpend card for a while now, and I haven’t had a problem. I just put money on it. The fees are not that much. The customer service is very helpful.

I chose Netspend because they're the quickest I could get a card. It’s very convenient, and the price was pretty neutral. Everything was fantastic until last week because I had a fraudulent webpage pop up, and they canceled my card. I just had money deposited in my account, and now I gotta wait for the card. I paid to get a card in two days, and it’s been almost seven days now. I have not gotten my card yet.

When I first got my Netspend card, it was taking $1.95 off every time I used it. I didn’t know why at the time, so I called and they told me why it was doing it. Their customer service is great, and Netspend is a great card to have.

I just had a fraud problem with my Netspend Card and Anytime Alerts helped me by getting an alert saying that I had authorized someone else to get alerts. I investigated and found out that someone had gotten into my direct deposit account and put their phone number there. I don't know how these people do this stuff, but they do. I called Netspend, and it’s very easy to speak with their representatives. They’re very helpful, courteous, and professional. I had to close everything down, which was an inconvenience. But at least it helped me to know that someone was trying to get into my account.

My experience with Netspend has not been good. Anytime you use NetSpend, you gotta pay for it. They are charging to transfer money from CashApp, which they weren't doing when I first signed up. They shouldn't change the terms in the middle if it wasn't like that when you first started. If somebody CashApp me, I can pick it up on my NetSpend. NetSpend charges the person, and then they charge me too. They charge a percentage depending on how much you’re transferring from your card. I don’t know if that’s something fraudulent, but they are charging a lot.

For the first time in banking have I felt secure, heard, easy banking, looked after. I'm very very satisfied in banking thank you so much Netspend. For all your hard work and being there to answer all my questions and coaching me through some of my rough patches. Thanks once again, I'm a happy customer.

NETSPEND Representative(s), are very professional, knowledgeable & I'm glad they know how to resolve any banking issues, that I may have. They are fast thinking & problems solvers. They have kept my accounts safe & secure. Seventeen years of great service & have proudly told others about NETSPEND. Thank you!

It seems as if I must replace a card almost once a year due to some kind of fraudulent purchase made on my card. Why is it that I get compromised often like this annually? And then there is a long wait time to get a new card and often, I can't even login or activate a new card.

My card was mistakenly charged and then revoked by Netspend. The very next day they had my money sent to me so that I could use the cash. My wife was really ill and in the hospital, and the rep was very compassionate and went above the call of duty. I would highly recommend Netspend to anyone.

Netspend app not working. I try logging on it goes to app not available retry. That is not working. This has been going on for a week now. I was told to uninstall app which I did not able to get app to work either. Just says retry. What's up with it.

Yes, I recommend you all to a friend because I think your bank solve my problems. Thank you. And I will tell anyone else about you all and I know they will probably reprimand someone else to your bank so keep up the good work. I commend y’all y’all y’all are doing a good job and may God bless you all.

Hello, I've try to call many times but I was confused. The bank account, it's trouble account number but it's good for me. Please removed all account debit card because I received one card is work but I did activated card, not working because the account someone have as out. It's not mine. Please remove 2 card in routing number.

I get what I need it for, although I don’t like paying $1.95 for debit payments. But, I’ve been able to trust you with my money and I’m close to Kwik trip where I can load money onto card. You’re missing some of the “bells and whistles” of some other debit cards. But I’m satisfied with your service.

I had a few claims towards one company, and with your customer support handled it fantastically. They kept me informed and they were persistent to get me some answers. I’m am very grateful of the Netspend team. Nowadays a person can only do so much on the internet. But y’all go beyond the limits to succeed!

NetSpend company is a very amazing company. They have awesome amazing customer service, Net Spend is a very reliable company customers can relay on. Awesome company!!!! There were some problems with a company I do business with and Net Spend customer service research the situation and corrected everything that was.

I have had a number of very unpleasant encounters with your customer service department. I am owed $370.00 right now due to NetSpend taking unauthorized auto payments out of my account. The company of origin did not authorize these withdrawals. I have never had a single customer service issue where the customer was actually taken care of by your company. Another note for you is; the customer should NOT be charged for expedited shipping for a new debit card after the old debit card was hacked. It isn’t the customer’s fault but we have to pay for it. This is just another example of the terrible customer service. I have had an account for a number of years and not one time has your customer service taken care of my complaint.

I had received an email from you for an upgrade on my debit card, I'm been waiting for over a month now and it was where I upgraded and I'll receive a $100. Credit to my account. I have yet to receive it. I've been a customer for almost 10 years now, I feel like I'm getting no communication about my upgrade or for that matter My new card. All I want is to be upgraded debit card and My credit to my account.

Yes I would recommend to a friend and I actually have recommended to many friends. I had a very pleasant and efficient call for my issue this time. She took care of my issue with no problems at all. Thank you so very much. I appreciate the work that was put into my issue this time and most every time. She was very sweet and kind and helpful.

I have been with NetSpend for several years now, and am very happy, and feel secure with this Company. In the past I have used other money handling apps. They promised to keep my hard earned money safe from the various issues of today. They in one way or another have fallen short. NetSpend has had my back and has been there for me, when I've had issues with purchases. I'm staying put with NetSpend. I can Highly Recommend NetSpend to Everyone! 5 Stars!

I was sent an email stating that my account had 5 unsuccessful attempts to gain access to. I called NetSpend and was told that everything with my account was alright and that nothing had been taken. I thanked the woman that I had spoken to for checking to make sure everything was fine.

I recently contacted Netspend, because an account was closed and my government benefits were on this card. I called and Jason (Agent) was very professional and polite while helping solve my issue. He was able to transfer the funds to my new Netspend card. I was very happy with the service I received that day.

I enjoy banking with Netspend as they are very good to me. They treat me like a human being as well as a customer. I would recommend them to my friends and relatives. I believe I could never say anything against them. I am very happy that I became a member of the Netspend Bank.

I would recommend Netspend to a friend simply because Netspend will do what they can to help you in a lot of ways. I've had Netspend for awhile now and every time I contact Netspend, they do what they can to help me or they will always contact you back, after you contact them. Thank you.

Called customers service when I couldn't load my replacement card and received no help. Therefore, until you send me a card that I can, you have lost a customer. I do not need a paper card. I need one like I have received in the past, Which I can use on the internet for my safety.

The entire time I have been a customer I have only had one bad experience with the Netspend CSR. My pay always come early and it's accurate. I get what I requested and I am satisfied with my card and this bank. I would like to have my overdraft reinstated for my connivance. Thank you very much and keep up the good work.

Zero Stars. I've had this card for a month. They stole all my money my whole check claiming they never got a deposit. My employer says they sent it. Everyone else got work got paid except for me. When I try to call customer service they keep hanging up on me. They need to be reported to the FBI.

System always goes down!! Customer service can never help. Can barely understand what they are saying. Wait time says 30 mins but waited over a hour and still didn't get help but when it's time to pay monthly fee they make sure that works....Just lost a customer. I don't recommend this company to anyone!!! I GIVE THEM 0 STARS.

Unjustified charging of illegal fees. Changing customers illegally and will not release your money. Sporadically Changing its terms and conditions. I have spent 5 full business days and I think it's piracy and illegally holding funds.

I’ve had great customer experience with Netspend every time I’ve needed to call them. I enjoy getting paid earlier and the alerts. Any time there is a question, something suspicious or out of order, they always contact me. Netspend has prevented me from falling victim to identity theft twice. Recently, I had to get a new card using an app. Just for me going on that app, and not even putting in my credit card information, the hackers were able to go through my email and hack me. The $800 charge that they tried to put on my card did not go through. Netspend was able to get me a new card sent out. I have nothing but good things to say about the company.

I’ve been with Netspend for two years now and if I have a problem, I contact them. I get a response from them immediately and that's very important these days. Someone had charged something and I dealt with it right away when I saw it on my statement and I didn't recognize it. I cancelled out and I got a new card information and I got everything timely. I've recommended Netspend to family friends already.

Every time I use my Netspend card, they give me an alert. They charge you $1.00 every time you use your card. Every time I use any type of machine, I pay $3.00. If somebody gets some products on my card, I have to wait 10 days to get my card back. Plus, they charge you $3.00 for another card. The only thing I really have a problem with Netspend is the overdraft. Any kind of overdraft, you're gonna pay $20.00.

I'm having a problem right now viewing my online statement with Netspend. Normally, I can view my online statement, and every time I use my card, it comes right to it. So, if somebody uses my stuff, it sends me a chime. Six months ago, somebody charged some Walmart stuff to my card in the middle of the night, and I got Walmart and Netspend to take care of it. I called Netspend and they refunded the 16 something. Another issue I had which was probably user error, was I could make the deposits into my savings, but I had to call in to get the savings back to my checking when I needed it. That wasn't a hassle to me though. I just call them up.

Netspend is convenient, that's why I use it. Luckily, I haven’t had to deal with too many people. But the ones that I’ve had to deal with, there was no problem. The Anytime Alerts is great because that way, I know when money’s coming in and out of my account. And I have access to my account 24/7. So I always know what’s in my account and that helps me out a great deal.

Netspend are nothing but crooks that hold your money to make interest. They will reject your direct deposit and then will hold that deposit for 6 days and then send your deposit back to your bank. It should never take 6 days to return money that they rejected. They say it’s processing which means they are holding your money for no valid reason. They should not be in business and I hope the owners go to prison.

Can't even use your money without getting hit with fee after fee. When you ask for a onetime courtesy reimbursement of fee, they will deny it and not remove it. They will advertise a $200 account opening bonus and deny the existence of any such promotion.

I have been with Net Spend for many years. The service used to be good and had no problems. This has changed. I have been charged multiple times for single transactions and charged for transactions that I did not even do. I have had my card stopped and have several issues in not being able to access my account online, and being able to contact customer support. They have stopped my card and sent me new cards, but never transferred my balance to the new card. I have received multiple cards in the mail from Net Spend, and I did not request them. In doing all of this, they will not refund my money from the transactions that have double charges or the ones I did not make.

Netspend makes accessing my money easier, especially since I don’t like Google too much. I have been with them for about 10 years and the customer service is great.

Netspend keeps an account of all of my spending and keeps me abreast of things. But I don’t like that they hire people that can't speak clear English. If they'd have people who could speak clear English, I could understand them better. I called Netspend yesterday to tell them to pay a bill for me and I understood some of what the rep was saying, but not all of it.

I've had a Netspend account since 2018 and I don't have any problems except recently, I've been going back and forth with them for a month and a half trying to get my online signing. Netspend needs to work on their customer service. They're not helpful at all. They need to be trained. During my last incident with them with my online account, they kept giving me all kinds of excuses. I explained myself over and over with the person that answered the call, and then, all of a sudden, they asked for me to be put on hold. That was more than five minutes. Then they came back asking the same questions. They should have a record or notes of every conversation. It always said they were gonna put in some notes in the computer and then somebody would call me. Nobody did. I had to call back myself to follow up on my problem. That's bad service.

I just started using NetSpend and it gives me a way to be able to have banking services and manage my SSI income safely and securely. The customer service is generally good, though more accessibility for resolving issues would be helpful to keep up with changing needs. A friend who referred me experienced a credit card scam while ordering her food. She got scared because Netspend is responsible for her money and it happened right away. She and I are disabled and we receive SSI benefits so it displaced her. NetSpend should be able to re-establish her funds and accredit it properly. They should also do investigations right away. So, overall, NetSpend is good, and love it. I am thankful to them for being that type of business and corporation when it comes to financing, which is very tough.

If I need something and I call the customer service, Netspend is always right there to help me out with whatever I need. However, I have had fraud on my accounts before. So I don't like putting in certain information, typing it into my phone. That's one thing that I don't like about Netspend is that I have to type in my account number or my social number. I prefer to just reach out to customer service directly myself and provide that personal information rather than typing it in.

I use Netspend to buy stuff online and my bank card was always giving a stolen from buying stuff online. I found out about this reloadable card. So I bought one and I use it when I buy online.

Please tell me why a paper ID is not acceptable when that is what the state deems acceptable? You have my old id, paystub, tax return, alt bank statement, SS card. You never had a problem accepting who I am since 2012. Not once did you ask for my id. This is unacceptable. It can be 2-6 weeks before I receive my permanent ID. I can't even access my account. I do not feel like my money is safe. I have kids and seniors I am responsible for. Where is my money NetSpend? Ref **.

Netspend has had a few changes but everything's been good with them. They have their policies, and I agree with a lot of them. I've been with them a long time and their people are very professional. They're very accurate in whatever they tell you. They let me know when to expect my benefits. I get it earlier than the day that they say so that's even better. Netspend is doing a fantastic job. I appreciate them. They put out the information and I get emails and text messages. I also like that I know how much is in my account at all times.

I like NetSpend because there is a level of security and safety with using that card versus other cards. Also, I liked the idea of setting it up for an ACH direct deposit. It's a step up in service in terms of what you can do with a credit card or a debit card. Netspend is right there in terms of being very close to it being an actual bank account with bank account services, or just as good. I also like the hundreds of locations that they have. I could endorse a check and the check would be deposited if I went to a CVS.

I liked it at first that Netspend didn't charge you when you make a transaction. But now, they're doing it. Other than that, Netspend is a good card. Some of my family members say no to it but I tell them I've been with Netspend a long time, and if I have a problem, I call them and they send me a new card. If I need it before then, they give me the routing number and my account number so I can still pay my bills. When you make a transaction, it comes straight to your phone so you know what transaction was made, and I love that. I heard some people said they lost money, but I've never been through that. I had a fraud come up on the card. When I called Netspend and told them what happened and that I didn't make the transaction, they answered my call. They checked it out and refunded my money.

I had an issue a couple of weeks ago with a call for a delivery, and it was all messed up. So I had to put in for a fraudulent charge. I spoke with two Netspend customer service people, and a mistake was made, but it was not on them. It was on me. I hit the wrong box. The customer service was great. Everything that they told me they would do, they did. So right now, I am happy with Netspend.

I like how quick Netspend is in handling and answering any questions that I have. They have excellent customer service. Using Netspend has helped me pay my bills on time.

It's always been good with Netspend and I'd recommend them. I've been with them for eight or nine years and customer service has been good as well. With Netspend, I like that I get my check early.

Netspend is good. I've been using it for at least 4 months and I like it. When I signed up for it, customer service was excellent. Everybody was nice and very helpful. I would tell anybody that wanna sign-up that it's a great service and it's good to use.

Customer service was good when I signed up for my Netspend card. I'd recommend it to a friend.

I use NetSpend to shop online at TikTok and other places like that. I put money on it by myself. I go to the check-cashing place which is a mile from my job. But I live in the Brookland area and if I wanted to go somewhere else, there's none in my area. I have to go close to my job in order to put put money on it.

I opened my Netspend account about 8-9 years ago and consistently have had great customer support if there were issues with charges. Additionally the website is simple and easy to use. I highly recommend Netspend AllAccess. The only thing I would add is that it would be great to add an online check deposit option. I rarely receive checks though so that isn’t important to me but just a suggestion. Zero complaints in 8-9 years.

You let unauthorized transactions go through file dispute then you drag your feet on investigations and you change the transactions. Instead of 3 there's more and the amounts don't add up to the first transactions. Nobody can answer questions when I have gotten hold of someone. You just hold my money and then charge overdraft fees and maybe I'll get my money back. If not it's you stealing from me and I'll look at my options.

I have Netspend cards accounts for years, this is the first year I've had my checks directly deposited, I say that because when I disputed a charge on my card, my card was blocked with no notifications, it was a disservice to me because I had to set up another netspend card and wait an extra week to be paid until the change went thru, I love netspend but I was pissed I had to wait when my card was blocked, here's the thing my card wasn't stolen, a charge was made on my account I didn't authorize, then boom it was blocked, I didn't appreciate that... As of today everything is fine and I shall continue to use netspend because I love the benefits and especially getting paid two days earlier, thank you. Tamisha

Netspend provide Great customer service, tend to your problems at hand, very patient. Receiving your funds in advance is a good way to keep their Loyal customer plus the anytime alert keep you on the right track with your account. Again Great attribute to their service alone with the overdrafting of your account when you're in a tight or short on funds.

After the use of NetSpend banking I could never go to any other bank. This bank takes care of all your needs. I travel a lot, and it is nice to know your bank is with you. I have grown children, you know what that's like. They have great ways of handling that. I'm a 15 year plus customer.

My experience was horrible. They closed my account after 10 plus years. When I report fraud to my account without warning I had money in my account they decline my dispute and I ordered a express card never receive a refund for. I had to do my direct deposit to a whole new account.

I love that I have a choice to have fees with every ATM transaction or 5$ a month. $5 is a pretty good deal. It is also easy for me to access my online account and review my bank statements. I get good customer service when I call as well.

I've been with Netspend for a while but left them. I recently came back because I can receive earlier access to my paycheck. I can also do debit transfers which is really nice. I don't ever foresee leaving ever again. Netspend has been really great to work with. I highly recommend to do business with Netspend.

This is my bank card. Satisfied. I am disappointed With their service . Not on their part. It seems that when I'm on the web and the people that are selling things have more control over your money than you do I immediately call them and said there's been a mistake for I only was supposed to pay $37 but they charge me $200 and I had to wait for that to the 200 to go through and now I got to fight to get it back when I clearly clearly call them right away on the matter. There needs to be something done about that because it's my third fault that they have to follow procedure but when it's my money they should be in my best interest not because the person selling or distributing the product when they probably try to charge me all the way overcharge me.

I love Netspend because anytime you go to Walmart you can just refill your card or if you have the overdraft and you need money it's just perfect. It's saved me so many times so that's why I recommend them. They're everywhere you know from state to state I think maybe even worldwide but I'm not 100% on that but anyway this it's great the NetSpend card. A lot of people judge it because it's a prepaid. Now it's a great card. Thumbs up for NetSpend.

I've had other online banking and Netspend is far the best yet I like the overdraft offered 👍 and that deposits go in a bit early. Customer svc is quick to answer the phone and very professional and very knowledgeable. Very satisfied thus far keep up the great work. Ty.

The representatives are very polite and they always answer all of my questions no matter how big or how small and I would give them a 100 because they are so courteous and helpful and they always make me smile when I get off of the phone with them. So here's to All of the representatives at NetSpend. Keep doing what you are doing because you guys are doing a wonderful job. Thanks for being there. Deborah Zoe **.

I am very satisfied with how my transaction are handled and I have been with Netspend for 8 years now and I truly appreciate it the service. Thank you Lawton **, I like that I get 2 days faster pay and it really helps and overdraft protection is absolutely awesome, when I'm short on cash NetSpend always comes through with extra cash.

Someone ordered a new card in my name and had it expedited to them from a totally different city and state which they changed the shipping address so the card would go to them. I had no knowledge of the whole process until I was receiving text alerts like crazy getting cash all day until the bank stopped paying on the mess! The agent I talked to was very helpful and did what she had to do to get my account figured out and took care of everything. She was very informative! Thanks to her for her understanding.

Netspend does not let the customer know of their options to choose a monthly fee or a fee for every individual transaction when activating an account. I think this is a deceptive way of making more money for NetSpend, after all who wouldn't choose a monthly fee over a $1.95 fee per transaction when given a choice? As a result I will not use NetSpend again.

I received a text asking me if I tried to open a Walmart account. They said to answer yes or no. So, I answered No instead of calling Netspend's customer service number, and my card was canceled immediately. Therefore, the fraud was immediately STOPPed! I then called Netspend and they sent me out another card within a 2-week time line. Very efficient and I trust them! Been with them for years!! Will never leave. Netspend is more trustworthy than any of my local Banks.

The fees are extremely expensive. The overdraft fees are extremely high and too much to be charged for each transaction that is made while in over draft. Netspend is a great service is just the fees are expensive and needs to be lowered. I have been with netspend for a few years now and like the early deposit.

I've been with Netspend for so long and I'm not going to continue with them until we hash out the issue with my money that was taken from me.

I first heard about Netspend in a commercial, but that was years ago. Customer service is great. The overall experience is 5 stars.

If you don't want to have to sit and do checks and balances yourself, and you like to let your apps do that for you, Netspend is a pretty good opportunity.

I’ve been a Netspend customer since around 2014, and I’ve stayed loyal because of the early access to payments—it’s good. I like that I also get alerts, and I have the All-Access, which gives me overdraft protection. The main issue I have is with deposits. Sometimes the system messes up, and it takes almost an entire day before I receive my benefits. I have another card, and I still haven’t received my benefits for it yet. Speed is really the only thing I wish would improve.

I’ve been using Netspend for a while. I just tried them, and I liked them. They have very good customer service. Their reps answer my questions. I appreciate that when I call them to do something, they take me through all of these hoops that I have to go through for my safety.

Netspend has been wonderful, they’re great. Every time I talk to them, I tell them how great they are because they are very helpful. I can call any time of the day. Even at night, somebody always answers, and they're always very polite. I've never had any issues at all.

Filed fraud on my dad’s account who keep in mind is 75 years old with dementia and doesn’t drive and lives at a nursing facility. As soon as his retirement check came the first month his account was frauded the entire amount. As soon as I noticed it, I canceled the card and submitted the fraud claim. Netspend has denied the claim. One of the chargers was even for a car wash. My dad hasn’t drove it in 15 years and it’s not all there mentally to drive. Doesn’t even have a car. Literally doesn’t leave the nursing home facility. Annette been denied his fraud claim and basically said he was out his whole retirement check. So I resubmitted it and now I have to go through the whole process again, which is a joke.

Great customer service when I call. They are always nice, professional, and quick to help me and make the whole experience easy. Easy to use and no problems in the many years I’ve had the account. I’ve always had issues with the app so I just don’t use it. I’m pretty sure it’s user error. Keep up the great service.

Netspend, I’m VERY disappointed. I had $610 taken out of my account. I was at work with my card on me. I call Netspend to report it. They said that it was done in the store and that somebody had copy my card info. I was told to call back on the 13 June, come to find out they denied my claim. This is so unfair to me. I worked hard for my money, very hard. Now my bills are behind due to you all cheating me, **.

Netspend was convenient for me to use. It was closer to me. I've been with Netspend a long time and it's a good card to have. It’s easy to put money on the card. I just go to an ACE check cashing place and just put money on the card.

I had NetSpend years ago, left, and then came back for about three years now. They cool with me and I ain’t planning on going nowhere.

I recently experienced fraud on my Netspend card. I’m in Springfield, Illinois and the card was charged twice in San Francisco. They told me to write in a statement. I cancelled that card and switched to something that I could be safer with. Good thing I did because I had a little bit more change on there.

I got upset at the online bank that I was then using, so I decided to switch back to Netspend and pulled out my old Netspend card. Everyone has been pleasant and helpful, especially when I needed to reactivate my card after locking my account. I went through a little bit of a hassle verifying my identity since I live with my son and the utilities are in his name. But once I provided my birth certificate, Social Security card, and ID, everything was straightened out.

I’ve had Netspend for about six or seven years. Setting up an account was very easy. Their customer service has been great, and they’re nice people.

It's been two weeks since I’ve had Netspend, and I just got the card. My sister dealt with them, and she said they’re pretty good. I never used it yet, but I'll go put some money on it

I had received prepaid cards from them all the time, I just didn't use them then. But for three months now, I've been using it. I direct deposit my check to my Netspend card. I tried to get a loan, too, and had called to get a copy of my statement, but I wasn't approved for it.

I’ve been with Netspend for about eight years. When you need to ask questions, they help you and get things solved. Everything's fine.

The customer service reps are always trying to be nice. They don’t speak good English, and sometimes they talk too fast. You have to tell them, “Whoa, you gotta slow down.” But they’re always trying to be nice, and most of the time, they are.

I’ve been with Netspend for a couple of years now. I first heard about it from a friend. Setting up the account wasn’t hard, and their customer service representatives are nice. They’ve been very good to me and that’s why I've been a customer of theirs for a long time.

I tried Netspend back in 2013, and I was with them for a bit, but then I let go, and then I went right back to them, and I’ve been with them ever since. Doing business with them is easy. And if I overdraft, that's when they charge me a fee.

It’s convenient. I can directly deposit my benefits into the Netspend card, I can easily access it on my mobile app which I use frequently, and I'm not locked into a bank account. Customer service is also awesome.

I've reached out to Netspend's customer service lots of times and my experience was always good. It's just a matter of waiting a long time for a receptionist to pick up, then you got to push all these buttons at least 10 times before you can get to the right one. I use the card to pay my bills and for direct deposit from my Social Security. And mostly, all my money goes on to that Netspend card. I pay $5 a month on it and it's a very good card. I load it up at least four times a week, and I'd tell my friends who are thinking of getting one to go for it.

I just want to say that NetSpend went above and beyond on getting my account straightened out after I was falsely charged 310 dollars on my debit card.. They done a thorough and fair investigation on the matter and refunded my money the very next day... I would recommend there services to anyone.... They're great in everything that they provide to the public.. Thanks again NetSpend!!!

I named this "The Card" because when I joined Netspend it was a matter of requesting a card. No long line at the bank, no personal questions from a teller, no fuss. Just a card. I received almost the info by calling the automated service such as routing number, account number and that was it. I receive my monthly Social Security via my Netspend and have not had any issues. I love it!

Instead they tried to send me and charge me for items I never ordered and would not let me cancel the items I did not order. Causing me an overdraft fee. Please check the dates and you will see I only ordered 2 boxes of pain patches on 4/30/2025. On 5/24/2025 was when I tried to order a compression knee brace and 1 box of more pain patches, that's when they tried to sent me items I NEVER ORDERED or could use for my condition. I AM WILLING TO PRESS CHARGES IF NEED BE.

I feel secure with Netspend. Anytime I've had a problem they have been right on it to help me fix it I appreciate that. I'm always able to find my information online which is extremely helpful and this time of computers. I just want to thank the NetSpend team for all their hard work.

Ever since I got my Netspend All Access card I am very happy and satisfied. I can use it whenever I need it and if somebody tries to use it I get alerts. Notifying me of somebody trying to use my card and it’s put my card on Lock. That’s what I like.

I have been a Netspend Customer for more than 2 years. My experience has been very good with Net spend Company. All the other pre-paid cards I have tried were not as on point as Net Spend card. I am enjoying their responsibility when it comes to any alerts or any unauthorized debit activity. I recommend the card to everyone.

I have not had any problems with these people. Have always been treated well & if had any problems they were quick to solve it. I would definitely recommend to anyone that doesn't really want to deal with traditional banks. I've dealt with traditional banks and got tired of being nickeled and dimed to death by the fees of traditional banks.

They were very helpful. I needed to verify my identity. The person that helped me was very helpful in getting this fixed so my direct deposit would not get rejected. I didn't know what I could use to verify so she helped me by listing things I could use. We finally got it straighten out.

I have been with you since 2007. Last mo I got ripped off for Abt $50 from a scam. Instead of crediting my acct... "We'll check into it." NEVER heard a word. Thinking about changing to a bank that backs up their customers, especially one as old as me. This scammer used a video of a robot puppy that you train by hand movements (like a smart robot) it charges by a USB cable and comes in a blue box. Eventually I got a toy you put two double A batteries in, move the switch to on it bounces up and down and barks a $5.00 toy. I expected NetSpend to help me and go after these fraudsters. Makes me scared to get anything online. Look I'm on Social Security and alone. My dog died last year. So I thought this would be fun. But no. I lose what? All that money and a bank who won't back me up! I've had one small claim all these years. So yes. I'm angry!

Had a great experience. They answered my rations with accurate information that put me at ease. They were so caring with me through my transition. I enjoyed talking with Jay who was such a great help although I had so many questions to be answered explaining my issue. He walked me through it and everything was just fine. I felt at ease.

They are very helpful and understanding great company, amazing customer service 😀. Always very helpful. I love this company!!!! The app is so easy to use and is very easy to read, even when someone stole my debt they help me get my money back. Wish more companies were like this!!!!

Yes I would recommend. I like the service. I also like the Bank. Every time I call the Receptionist are very friendly and corporative. I have no problems. I have had the account with them for 3 years. I love it. I will recommend to my friends and family also coworkers. Very dependable.

It would be nice if the overdraft were more than 10 dollars a month, I been with you all for years and love your customer services, I will definitely tell people's about you all, other than the overdraft everything are good, I know banks that do up to two hundred dollars in overdraft,.

I can't excess the app login and I couldn't get my paycheck at the bank 😫. I had to go to Walmart and get a MoneyGram. I don't know what is going on but to me y'all doesn't have my address right and my app is not accepting my direct deposit account so I can see what on my account.

I love the overdraft protection. It really helps me get thru the month. Sincerely, JHyson Keep up the professionalism. Also, lower the number of prompts on automatic system. Is it anyway possible to add a chip to new cards? It would be very useful in the future. Please alert management. Thanks!

A friend of mine had a Netspend card and she told me about it. That was a few years back and I decided to try it and it's good. The only thing is the security questions. Some of mine are back from the '80s and I could barely remember what I said. But I understand it's good to have them. My account got broken into and the Netspend rep put the money back in there, which I thought was good. They're a great company.

My fiance told me about Netspend and he said that it was a good card and that if you have any issues or problems, they solve it. That's why I ended up with them and I've been with them since 2007. I've been using their debit card and I'm satisfied with them, although I hate it when my call goes through the automated system. Also, sometimes, I'll have a problem with one of my cards. Every time I go to this certain place, I have an issue with putting money on it but when I go to a check cash, a rep would take the card with no problem. Other than that, I am totally satisfied with the card. I pay the $5 monthly fee and if I pay for something, I don't get charged for using the card, which is what I like about it. If I go to McDonald's, I might want to order just a coffee on the card and it would just charge me for the coffee.

I love Netspend and I enjoy it. I've been with them for about 15 years and their customer service is awesome. Everything's been good thus far.

It's a lot easier to manage my finances thru Netspend. I have also called their customer service and their reps were great. I'd recommend them.

I've been using Netspend off and on for three years and with them, you get your deposit two days early. I'd recommend them.

Everything's great with Netspend. I do direct deposits on my card and I like where it notifies me every time something goes to the account. Their customer service is fantastic, too.

No one answers their customer service about freezing my account. I simply tried to transfer to my personal bank account. I used the function on their app and now cannot get in. It says call them but no one answers.

Day 7 and still no help from NETSPEND regarding my account. They have literally taken my money at this point, I keep getting the same email that they are going to call me and never do, Now they are making false statements saying they called me and left a voicemail and they never did, I see that they have a lawsuit against them for freezing people's account for no reason and taking peoples money, 7 days and all I get is the same tired email that someone will call me, Company is a lying fraud, I will continue to make reviews about them on every platform until I am satisfied! I will using social media sites posting all emails they have sent to me to prove they only lie, they want people to give up and just give you the money they have taken, I’m not going for it, until I get my money, I will continue!

0 protection and they are crooks. Don't sign with these fools. Fixing to go into a legal battle over $1300 that my account was scammed and I have given them proof I was nowhere near the state. Their fees are that of a normal bank. Use Chime. Your account is a target using NetSpend. They do not protect you and it's not the 1st time this has happened.

Not a secure account. I had a Netspend account for 10 years. My account was hacked and almost 900.00 was taken from me. Filed a complaint that they validated then never gave me my money back. Left me in lines that rang into eternity. Pretended to have VPs call me like they would fix it. Nothing. It's been 6 months, and I have no way to bounce back from such a loss. Consumer Finance also didn't help.

This is a terrible company. Beware, my girlfriend‘s job paid her on a Netspend card. When she finished the job, they send you a card with blank checks. She wrote a check for the balance which was $4933. Went to the bank on the top of the check, which was U.S. Bank. Put the authorization number in. Which brought her account to zero. Went to the bank and they put their authorization number in. Confirmed everything with customer service. But when they ran the check, they said the paper was no good even though customer service said the check was good. That was Monday morning.

Absolutely horrible! My funds are tied up due to not being able to verify my address. I am homeless mind you. I gave them every form of ID I have and all my past addresses. I provided the receipt for the card itself where it was purchased and it was my second card although this one was for a great deal more money. The kicker is this they won’t verify my address yet they sent me a credit card to the address I provided. Hmmmm???? The supervisor of the fraud dept hung up on me and said he would not give me his full name. You are on hold for more than an hour each time you call and they talk in circles arguing over a service generated by the cash you took from your wallet and purchased their card. They know this and they have absolutely no integrity.

My thoughts on Netspend is I don't like them, I have been trying to get my refund back. I have sent many emails and they finally sent me a check but the check was no good. Still trying to get a new check that is legit. Wells Fargo would not cash the check. They told me it looked wrong. Albertson's the same thing so if I don't get a legit payment I will be forced to take legal action. I just want my 80.00 bucks back.

I wish I could give 0 stars. I've stayed with them for years because they release deposits the same day without holding them. At this point, I don't care if I have to wait for a payroll deposit until the next week. I will be parting ways with this company. They keep saying, "We're sorry for any inconvenience," but that's nonsense. They keep saying, "Thank you for being a valued customer," but that's also nonsense. When I ask for a supervisor, I get transferred three to four times before actually speaking to one. Being told to hold and then being placed back in the queue, to begin retelling my issue to three to four representatives before I reach a supervisor, is absolutely insane.

Do not use this card! I have had my card since february 2023 for use of my tax deposit and this year they decided to freeze my account!! I have sent in documents and they still refuse to open it! They gave me number to call and I have called that number 8 times, on hold like 45 min each time. I have emailed the president and customer service and still nothing!! At this point I just want my little $200 and I will not be used Netspend nor will I recommend anyone else to use it!

This company is looking for ways to hold funds. I've spoken to 12 people from that company, and they're asking for more and more requirements to release the money deposited in the accounts. Be careful not to use NETSPEND if you don't want your money held for a long time.

Stay away! Their systems have been down for two weeks or longer! You cannot reach anyone! All phone lines are down, online accounts are down, you can’t talk to anyone or email anyone without generated response, this has never happened in all my years with these people. And guess what? We’re all screwed. Thousands and thousands of people are pissed and stuck on what to do. Cards are froze, you work for free because you don’t get your paychecks now, and can’t reach anyone and there’s ZERO you can do about it. I will NEVER use them again after this. 20+ years I been with these people. No more. I’m switching everything to my major bank and closing out all of my Netspend/Skylight cards. This company is a joke!

They are trash, I can’t tell you how many times I have had fraudulent charges in my card. It’s seems like I through this issue every month with Netspend. And then they block your card and you don’t have any access to your account until you get a new card sent. I’ve had to pay late fees because a bill was late waiting on my card to come in the mail. When honestly I don’t understand why I’m ALWAYS having a fraudulent charge on my account. Like just last night $50 taken out my account from Uber and I did not make that purchase. And this happens WAY too often for a “bank”. They are the worse when it comes to protecting my bank account for fraud. I also have another bank, and don’t have to worry about this, but with Netspend I do.

I contacted Netspend regarding the restriction placed on my account after I updated my address. I changed my address because I recently moved and needed to add money to my card. I moved two weeks ago and updated all my information. However, when I attempted to transfer money to my other bank account, they restricted my account.

Thieves!!! Bought the $400 card Dec 27 and they aren’t allowing access to our $400 because our underage son put in 4 numbers for last of social that we have no idea!!!! Sent proof of receipts, drivers license and then they demand your social security card???? 2 weeks later our family is in disbelief as this was my son's Christmas gift!!! Talked to 5 different “representatives.” Bought at Dollar General and they won’t do anything!!!

Do not use Netspend!!!! When someone makes unauthorized transactions on your account by creating a virtual card. Which I never used before in my life. And in order to create a virtual card, you have to log into your account to create one. Somehow someone was able to do that by changing my password without my authorization. And…. Someone had changing my login and passwords a few weeks ago. And Netspend had to contact me to make sure that I didn’t make these changes.

My overdraft is paid every month but depending on which day Netspend post my SSI deposit, it it may make my overdraft a day late. They cut my overdraft off due to that and that's not my fault. It is always paid. It's just depending on that month's situation. It may post early one month then a day or two later the next month. Sometimes I depend on my overdraft for serious situations.

Horrible app (can’t search or go to date, have to scroll to find transactions), horrible customer service and can’t do basic functions. I’m having an issue with a bank transfer and have been on the phone 45 minutes with them unable to help at all. They suggested I go and get a money order and bring it to the other bank. Whyyy would I even bother with a bank that can’t do basic functions?

Absolutely terrible, I would not recommend Netspend at all! My funds are never safe in my account. My account was recently compromised and $1,000 was taken from my account. It took over a month for me to get that back – issue number one. Issue two: I've called and spoken to several different representatives attempting to get a replacement card. A month has gone by, and still no card. Every time I call, they say one has been sent out a month ago and send me another, but I never receive the card after the first. So, I call back and they claim the 2nd, 3rd, and 4th cards were never sent out. I'm on hold for the 5th time while writing this, and once again, the card requested was also supposedly never sent out.

I'm so upset, I've never had an institution do what they want with their clients and not be penalized. This company has caused my family and I hardship. I receive SSD Benefits on this card and have been since 2014. On Friday November 15, 2024 I received my Direct Deposit for my benefits, on the same day I received an email saying there was something wrong with my account. I went to pay my Insurance and it declined. I contacted Netspend and was told that I have a restriction on my account from April 2011. The account was open with Ace Elite in 2009 and closed in 2011 with a $82.00 balance. They were holding over $1500 for $82 from 13 years ago. I advised that I filed bankruptcy and they refused to acknowledge it, they demanded payment or my account would remain closed.

Netspend was offered as a 10c per gallon discount at Murphy gas stations. Advertised on the pumps. So I got one. What could it hurt? Direct deposit funds and convenience; so I thought. Turns out with their $2 PER TRANSACTION fee, I’d have to buy 200 gallons BEFORE I’d be saving anything. Don’t fall for it. And it’s $2 per transaction no matter what you buy or how you buy it or where you buy it from. To top it all off, their network of ATM’s is poor, most not accessible 24 hours a day, charge fees to access your own money, and get this: CHARGE FEES TO DEPOSIT YOUR MONEY. If you want to close the account, they charge $15 to send you YOUR money that is left on the card. My only question is - with far better options out there, (there’s a lot of them) that don’t gouge you with ridiculous fees for using YOUR MONEY, why would you allow any of your hard earned money to ever get near anything that has to do with Netspend?

I bought a NetSpend card for buy from Temu online. I had not even used the card. I called to activate it. I was told I had a little more than 10$ balance. I put 100$ on it when I first bought the card. I was informed that I paid 70+$ for a site membership and 14$ to enter a raffle. I had never used the card and no one has access to it other than myself. They told me they investigating the issue 2-3 weeks ago. I have heard nothing about it. Am I ripped off?

I purchased a NetSpend card with $25 added. I setup my account via the app and not long after it appeared to be working, the app wouldn't allow me to login and referred me to their customer care number. Their operator told me I had to send not only the back and front of my driver's license but an image of a bill with my address. Against my better judgement I did it and waited a reply. It came in an email that what I sent wasn't good enough and NetSpend needed more, like a government agency letter addressed to me. I sent them an image of my VA bill. Not good enough. We want more information...

I had my check coming on my Netspend card through my job and they were very good with it. I would get my check on Wednesdays or Thursdays, and I liked that. I also used to pay my bills off it as well. The Anytime Alerts let me know what I spent and how much I got left. If anybody was trying to do any bad transactions on my card, they would let me know about that too. Netspend was awesome. When I would call, they would take care of me and resolve my issues. If I hadn't had a bank account, I would have still been with them.

Netspend was my first card to get my money on when I worked for my other job. I had to buy that on my own and I put my money on it whenever I needed to pay one of my bills. I live in Delcambre, Louisianna, so I go to a store and reload it there. When would do direct deposit, I'd get the funds in two days which is fast. Using the Netspend card is easy and convenient. I also love the Anytime Alerts because if somebody takes my card or I had somebody go to the store then they're going to come back with whatever they took out from me, it goes straight to the phone.

If could do 0 stars I would. Terrible policy and customer service for Netspend. Just received a new card yesterday and they locked my account and card for no reason. After I called customer service, they told me to send proof of identity and address to an email and if they approved it in 4-6 hours, I would have to call back to get my account unlocked. I did just that, and after waiting for hours they rejected my proof of address. I’m at work and don’t have time to be waiting on phone calls without access to my funds. To finish it all off, they told me I have until 8 PM central time to call back to get my account unlocked. I called back before then only to be met with a call back during business hours message. Never have had to deal with such terrible business.

Worst experience ever. Foreigners speaking bad English, takes me 8 hrs to activate card. Making me spend 30 minutes to talk to live person every time with horrible English. Going in circles for 3 hrs to get card activated, which now have to wait 6 hrs for them to approve documents so don't expect to use card right away. And after you load what you need to spend, they charge a fee off that, so you have to put more money on card, which cost you more. This is a lie and a scam.

NetSpend is the worst bank I have ever dealt with. Their customer service reps are a complete joke. DO NOT USE NETSPEND. If anyone has any negative social media links, please share with me so I can spread the word.

It's very easy to reload with Netspend. 7-Eleven is right up the street and they do it. Money comes on there instantly. You don't have to wait any extra time for it. Everything's been good and they have a real good app as well.

The reps at Netspend have been excellent. I just had a discrepancy with somebody and they handled that. They were quick to block the card and send me a new one. I like Netspend except that a lot of people won't take it as an automatic payment.

Netspend is the number one money and banking app. They make it easy for money transfers anywhere from bank to bank or debit card to debit card. They charge a fee for transferring, but they're not anything bad. But they charge a little high on loading and I end up paying $5 every time I load it. Other than that, I'd recommend Netspend. They're good with the finances and they make sure you get some money on time. I always see them, and they're talking about getting the direct deposits early. Even though I don't get them, they always tell me about it. They have good customer service and we get alerts as well.

If you want to use this card, be prepared to call the customer service several times to resolve the issues that will be generated. Their "automated fraud detection system" will trigger restrictions on the card unpredictably. I was ready to pay for my merchandise with this card and had to leave the store several times because it triggered restriction. They cannot explain why it triggered the automated restriction. It says it can be used outside of USA. I used it in Europe and it had so many issues and when you call they ask for more identifications sent such as utility bill, driving license, passport etc. Choosing this card was very expensive, lot of hassle, and embarrassment before store keepers.