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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Netspend's account


How to Create a Card Account

Creating a card account on the Netspend site is decidedly uncomplicated. Before clicking on the "Sign-Up" button, a user is advised to assess all information regarding Netspend's current policies, packages, recent cardholder agreement changes, possible fraud prevention restrictions, and fees (including those related to fraud prevention restrictions, standard replacement card fee, fee schedule, additional transaction fees, etc.).

As a first step, the future cardholder is asked to provide their full name, e-mail, and physical address. Then, you're asked to pick a color for the future design of the card (this does not trigger a custom card fee) and come up with a user name and password. It can take some minutes for your application to receive an approval. After that, it's just a matter of entering the required information and logging into the online account center. The customer is then guided through the uncomplicated process of ordering your prepaid debit card. You will receive it in the span of 7-10 days.

In case you don't want to go through the signup process, you can purchase your debit card through third-party companies that were accredited to provide cards. Retail merchants commonly charge a fee in the range of $3 to $5.

How to Check Card Account Balance, How to Close Card Account

Your balance can be checked by logging into the Online Account Center. There, you will be able to see all the information regarding the current balance, money transfer transaction history, and other important data that you can easily export. You can also sign up for the text alert service in order to get notified whenever the balance changes after a transaction. Supplementary fees might be charged by your wireless carrier. You can also check your balance by ringing the Netspend Corporation hotline at 1-866-387-7363 or using an ATM.

Your card account can be closed once you withdraw all the funds from an ATM or spend all the funds. You may also ask Netspend to set you a check but you will have to pay a small fee for that. Alternatively, you may call Netspend at 1-866-387-7363 or select the close card account option in the Card Account Center.


Can someone send me money to my Netspend card?

Yes, it's possible to send money to your personal Netspend card account and there exist many ways to do that. Payment through PayPal seems to be one of the most popular options for money transfers.

Where is the cheapest place to load a Netspend card?

You need to use the official Netspend site to find a reload location that charges the least fees to process the direct deposit.

Can I add money to a prepaid card online?

You can use any bank's online account and several other web-based payment services in order to add funds. The money transfers vary but usually don't incur a significant fee. Posting funds through online banking is very easy.

Financial products

Prepaid Card
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

What to focus on before applying for a loan with Netspend

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Netspend and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Netspend’s reviews by October 2022
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