Netspend Prepaid Debit Card Review

If you’re looking for Netspend prepaid debit card review, then you’re just at the right place. The Netspend offers debit cards which are expensive alternatives to a bank checking account. You can easily use it, and there’s no credit checking requirement or banking transactions to open.

However, Netspend makes it easier where you have the option to choose between paying a monthly fee or, pay a fee every time you make a purchase. Either way, you might spend more payments per year than you could earn interest from your card’s savings account.

Netspend has a convenient nationwide network with 130,000 cash reloads locations. But you can’t get it for free; even there’s no free access to ATMs.

What Is Netspend Prepaid Debit Card?

If you’re looking for how to get an instant debit card online, then the Netspend prepaid debit card would be the best solution for you. The Netspend company offers to the user Visa cards and MasterCard, which are popular among today’s people.

This card requires no credit checking as well as no minimum balance sheet. All of the transactions you will make must be insured by the FDIC (Federal Deposit Insurance) up to the current coverage limit. Moreover, you can use the Netspend’s card anywhere where Debit Visa cards and Debit MasterCards are accepted.

Netspend’s cardholders are allowed to make in-store purchases, make online shops over the smartphone, and withdraw cash from the ATMs when necessary. Netspend’s debit cards are not as exact as other business credit cards in that you can only spend funds that you already preloaded onto the card.

In other words, Netspend is not just a card, but it ensures a simple way to make funds that are already in your possession via debit electronic payment technology.

How Do You Reload A NetSpend Prepaid Debit Card?

The Netspend is one of the best reloadable prepaid cards that you can use in stores. Choose credit at the checkpoint point and provide your valid signature; hence the transaction fee will be $1 for the purchase you make. And the funds will be deducted from your card account.

Choosing the debit option, you must provide your identification number (PIN), and at that time $2 transaction fee will take charge from your existing card account. You can avoid the individual transaction fees if you subscribe to premium fee advantage plans.

A monthly service fee will take an amount ranging from $5 to $9.95 as of 2015. The Fees for ATM cash withdrawals will be running from $2.50 domestically to over $4.95 internationally. We recommend our audience to use the Netspend prepaid debit card because it has many convenient features.

One of the best unique features is, you will face no complication regarding reloading your funds to your existing Netspend credit card account. You can add your money to the Netspend account through bank account transfers and direct deposits, even though Netspend reloads network locations.

However, adding funds to your account without incurring fees is sent through the direct deposit or the Netspend online account center.

Where Can You Reload A Netspend Prepaid Debit Card?

Using Netspend, you can get transfers money from one debit card to another online. Even you can add your funds onto your Netspend’s credit card via PayPal with no transactional fees. When you deposit your funds, you can load mainly via cash at any given time is $7,500 per day.

The maximum amount you can load is $15,000 once a month. Netspend provides numerous locations where you can go for reloading your funds. Using your google map, you can find the nearest area or use your mobile app or Netspend website.

You can fill dollars in supermarkets, stores, pharmacies, and other retailers associated with this Netspend’s reload network. The dollar reloading fee could be around $4.0 in most cases. You can make checks or cash on your funds to your Netspend credit card at any reload location.

In addition, you can also add your money at a designated reload center or purchase a refill pack from a retailer. There are many available locations, including the grocery store, local gas station, and money store ( Kmart, Kroger, CVS, 7-Eleven, Walgreens).

How To Reload The Netspend Prepaid Debit Card At Walmart?

It’s effortless to reload the Netspend prepaid debit card. All of you need the Netspend card to replenish your cash to the register at Walmart. Walmart provides this service under Rapid Reload. There are a few ways to supply your funds at Walmart:

Reload By Cash:

You can use your cash funds to reload into the Netspend card. Get your cash and the Netspend credit card and ask the staff at Walmart for reloading. The reloading process is usually operated by a cashier or a self-checkout machine.

Walmart Rapid Reload Service:

Walmart provides Rapid Reload services to reload your cash onto your card. You may use this service at any Walmart store. Use Google Maps to get the nearest Walmart location.

Reload By Check:

Another way to reload your funds by check onto your Netspend prepaid debit card is by filling by check. Using Walmart’s reloading service, you do not need to visit the bank to deposit your check into your credit card, as well as you can save your time.

In this case, you must provide proper identification to reload by check. Once you supply your assessment, the funds will become available within a short time.

Can I Add Money To My Netspend Card Online?

Yes, you can add money to your Netspend prepaid card online by following these ways below:


You can add your funds to your prepaid card using the PayPal service. To transfer your money from a PayPal account to a Netspend prepaid card is a straightforward, convenient way and intakes no long time to complete this procedure. You can also bring your funds to your PayPal account from a Netspend prepaid card, and the process would be the same as before. 

Online Money Transfer:

You can transfer your funds from one prepaid card to another one with zero fees. If your family member, your friend, even relatives use Netspend prepaid cards, you can add funds through money transfer online, and it won’t take a long time to complete.

Tax Refunds:

You can ask the IRD to deposit your funds electronically refund them to your Netspend prepaid card directly. The Netspend debit card depositing money transfer would be faster than your electronic mail. Federal or state tax refunds could be swift to your account. All of you need to have them directly deposited electronically into your Netspend card account.

Can Someone Else Put Money On My Netspend Prepaid Debit Card?

The answer is yes, someone else put money on your Netspend Prepaid debit card, and it’s straightforward to do if they also have a Netspend card. They can even use the control or purpose card, an ACE Elite card, to add money onto your credit card.

They have to sign in to their online account user portal using their name, password, and other security information if required. Also, the FlashPay ID and the number of funds they want to send you are also needed to complete this procedure.

Netspend Mobile App

Using the Netspend mobile application, you can get to enjoy these facilities below:

  • You can check your balance and the transaction history of your account at a glance.
  • Get access to your account detailed information just with a few taps.
  • This app allows you to send or receive money directly to another from anywhere and anytime.
  • Using Netspend mobile app, you’re allowed to view your account from anywhere and anytime, and even you stay at a remote place from your home.
  • You don’t need to have your PC to login into the Netspend website to make transactions if you have got this app on your phone.
  • You can get the nearest reload location using this app.

Does Netspend Prepaid Debit Card Work With PayPal?

The Netspend prepaid accounts work with PayPal. You can use your PayPal account to link to your Netspend account and vice versa. PayPal allows its users to add funds to our PayPal prepaid cards at Netspend Account and you can find their Network Locations nationwide.

To connect your PayPal account to your Netspend’s prepaid debit card, you must log in to the PayPal website. Then, click the wallet tab and click on the link of the bank tab or credit option. Hence, you should click on the credit card or debit card tab link and fill in the required card information.

After that, click on the button of link card. PayPal may require verification while processing the confirmation card. PayPal doesn’t charge on Netspend customers fees in this case. However, PayPal typically requires two to three business days to add funds added to Netspend accounts from your PayPal account.

Bottom Line

The Netspend prepaid card offers early paydays, check deposits for free, cashback rewards, and a high-yield savings account. Each of these perks tons of offers together is something special you may not be able to find in other prepaid cards.

A Netspend prepaid debit card is the best option for people who don’t use cash frequently and get the benefits of free deposits with early paydays. Using the check deposits will help you to avoid the fee of money reloads. Suppose the monthly purchasing transactions are adding up more than the monthly fee.

In this article, we’ve discussed the Netspend prepaid debit card review, and if you still have any questions in your mind, you can drop them in the comments section below. We want to chat with you to acquire the ins and outs knowledge using of Netspend prepaid debit card.