Icon Netspend: Manage Your Money

Netspend: Manage Your Money

  • Finance
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Netspend: Manage Your Money

  • Finance
2.5K ratings
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User Reviews for Netspend: Manage Your Money

No Brainer!!

I absolutely LOVE Netspend!!! I’ve been with them for over 3 years, had my account upgraded & I have NEVER had ONE issue with them! I get paid 2 days earlier than everyone else. Their customer service is on point. They have awesome no overdraft... which sometimes I do & they will let it go through but it’s usually only like 10 bucks. There isn’t any over draft fees. They do charge a 5 dollar service fee every month but that’s no issue. If you can’t afford that then something is wrong with you. Lol. They do charge an ATM FEE WHICH I WISH THEY WOULDNT! That’s THE ONLY ISSUE I HAVE WITH THEM!! Stop the ATM FEES NETSPEND!!! Dontgo to Chime, it’s a scam. If you don’t want to deal with an actual bank, this is the one to have. I’ve had banks that lied to me & took my money orclosed my account for no reason & I got tired of it, so I went searching, found Netspend & im soooo glad I did. I refer all my friends to Netspend.I’m telling you, they’re the way to go. & they give you rewards every month. Love yoooou Netspend!!!

2smalls0639, Jun 15, 2019
Sorry for the complaint but give me a little bit of your time

So I needed a gift card for the something I wanted online and my sister went into Walmart getting the card I usually get but it wasn’t there so She decided to buy this one and put 180 dollars on it, again unaware that it said this is not a gift card so she bought it and She thought the person at the scanner scanned and activated it but like it said I had to activate it myself, i said to myself, “ok no big deal.” Was I wrong i had to do a activation myself for “revealing my identity” and having to put my socials again since I barely got the card and never trusted Netspend in the first place you might have been like why but it well my sister got it for me and I said a different card but she said it wasn’t there so she cluelessly bought this one but again this is totally my fault I do want a refund again cause im broke and need the money so please from the kindness of your heart refund it all this is all my fault it’s been stressing me out so much lately but completely understand if you denied my request.

everurias, Feb 06, 2022
Love it

I absolutely love Netspend, I work for the University of Arkansas and I started when I was 16, I used a pay card by them for a while, until it expired. They graciously sent me another official Netspend card once I turned 18. I activated it once my pay card expired and downloaded the app. The user interface is very mobile friendly and easy to use. I don’t use the mobile check load cause ya know, direct deposit is the way to go these days. But I’ve used everything else in the app. Payback rewards is a cool little way to save a little money, it’s easy to load and send money, easy to view transactions, and most of all, you can start a savings account! Which is something I’ve always wanted to do ever since I started getting paid. Also, customer service is very helpful and friendly. Netspend is a great Mastercard bank, and I’ll be continuing to use their card for a long time, the only thing I’d ask for is for prepaid cards to be accepted everywhere just like an average debit card from an bank such as Bank of America, or CHASE. I recommend this online bank for any young people just getting started.

I need a nickname 123, Sep 18, 2019
Couldn’t scan check then couldn’t find a location open today!!!

I have tried to scan my check and it keeps taking me to a screen that says Ingo at the top and explains process, you can’t get out of that screen and I’ve called Ingo customer service and Netspend and they keep throwing me back to each other and it let me scan a check last month. It did this before snd then fixed itself and this has been weeks so now I’m going to have to leave work to cash check and deposit it on card. I’m gonna cancel this as soon as I get my Venmo card in mail. So I decided to give them one more chance so I looked online to see what time the closest location opened and it gave time and I drove there today and location is closed for good (which didn’t say online) so I look up another one so I drive there and no one was there to open, lights out and door locked, it gave hours on door and I showed up 3 hours after they were supposed to be open. I have decided not to do business with this company anymore it’s too much of a headache. I not only wasted gas in my car but i wasted my whole lunch break and didn’t eat. It’s a shame because I’ve been doing business with them for many years.

Lola@Shorty, Jan 28, 2021
Would minus stars if anything!!!!!

I was customer for over 5 yrs. They were ok to begin with but all of sudden in February of this year I got a text about a fraudulent online purchase. Well I hit the button to have my card canceled because anyone who knows me knows I don’t bye stuff online I really don’t know how I’m sure it would be easy but I don’t put my cards online to have them hacked. Well guess what it was anyway and it had to be on there end. While this is happening my husband passes away I go back to work after couple weeks then my whole check was gone had to fight to get my money back then in 2days more money. I have them go back to beginning of year and guess what I had almost $200 in charges over time so by April I have had it. Netspend could see my regular use every week and still let someone steal what money I worked hard for and didn’t reimburse me what was rightfully mine. Because like I said they looked all the way back and could see my regular use and did nothing. So please don’t use them unless you want this to happen to you. We work to hard to be stolen from.

nannaof10!!, Jul 16, 2021
Don’t just don’t

My company partnered with netspend to sell the cards in our stores. And for doing so we received bonuses for every card sold. And employees didn’t have to pay a monthly fee. Well not only am I still getting charged $5 a month, all of a sudden I have no balance. When they took out $5 on June 16th that left me with $13 and some change. Now nothing. They also for some reason shut off my employees card for no reason. And when we called the number that corporate told us too. They couldn’t tell her why just that she is no longer allowed to have a netspend account. But this is also how we get paid our mileage when we have to help out at other stores. I have emailed support and I never get a reply. I have heard nothing good from customers that have previously had a card. They charge fees like crazy. And is a rip off. I no longer offer these cards unless I’m asked by customers about them. Word of advice netspend when you want people to sell your merchandise, don’t screw over the ones making you money. And work on better communication and customer service. Oh and 1 more thing . I can download the app but can never get in. Straight up crap.

netspendisaripoff, Jun 21, 2021
Netspend is a Total Ripoff!!

If you don’t mind paying for EVERYTHING, definitely sign up with Netspend! They charge you $5 to make a deposit, $3.50 to make a withdrawal, $10. a month service fee, or $5. if you have direct deposit. They encourage you to use overdraft protection and then charge $10. for every single overdraft repeatedly, if you call them up and ask a question, you get charged! Look at your bill and you’ll be astonished at all the “little fees” that can quickly add up to hundreds of dollars!! It’s sickening! No other online bank has so many fees!! And Netspend is replaces money into your account that has been fraudulently removed/spent, at a glacial pace - where a any other bank, brick and mortar or online would replace your money by the next day!Unless you enjoy the worst customer service ever by people for whom English is their second language and are difficult to communicate with -Steer clear of Netspend! I’m switching to Chime! They have NO fees and get great reviews! Plus, I’m tired of paying huge fees for crappy customer service! I’ve had enough!!

novazopp, May 10, 2021
Mobile Check Load Not An Available Feature

I saw the mobile check load button and icon appear and then disappear when I’d click on it when I had my temporary card. I figured when I got my permanent card it would be a feature available to me.No, it is not. I had issues logging in after I activated my permanent card, too. I requested my password be changed but received the emails days later and expired. I couldn’t login until I finally finally had time to call the phone number. I got email marketing campaigns in my inbox advertising the new mobile check load feature, saying to download the latest version of the app to access it. I have the latest version. No updates available. So when I finally got access to my online account, and still couldnt/can’t use mobile check load, I sent a secure message and was told that I don’t have the kind of card that has that feature and that it has nothing to do with personal finance history? What is going on? And my card stopped working at Starbucks (all Starbucks locations but works everywhere else) when I activated the 10% cash back reward for using the card there? I don’t get answers to my actual questions, just generic stuff from the faq that answers nothing. I really hope someone steps in and gives me a real answer. So far the folks helping are sending me templates and copy/pasted passages from the faq that aren’t relevant.

Pocket mom, Sep 21, 2018
Warning! Do NOT bank here!!!

Believe me, if I could give minus stars I absolutely would. I’ve been a customer for over 8yrs, and rather enjoyed having an account with them. But recently, I tried to dispute two transactions on my account that ended up being fraudulent and instead of helping me, they denied the disputes and permanently closed my account, with no notification. On top of all this, they permanently banned me from opening another account with them ever. When I attempted to get answers on two separate occasions, nobody could tell me why. I kept being told I would hear back within 24hrs from their fraud department. But never did. I did nothing suspicious. I did nothing fraudulent. I reached out to my bank for help, and they double victimized me. Why would I EVER want to open another account with a bank who treats their long term customers like this? Absolutely abhorrent behavior and customer service. I HIGHLY recommend NEVER trusting this bank with your money.**UPDATE after response from dev**:After over 4 attempts now taking hours out of my day to call, get put in hold multiple times and get answers with the promise of having a response with an answer within 24 hrs time but left with no response, you expect me to email YOU to solve this?? Is giving an honest review of your company what it takes to get a serious response from this bank? Boy, this really is 2020 huh..

qubitzilla, Nov 04, 2020
Sketchy broken company

A prepaid card is supposed to be exactly that and you’re supposed to be able to use it right off the bat but no when you get your card from Netspend, you cant even use it until you send your ssn and other forms of ID, you try to sign up and log in into the website and it doesn’t work, the app doesn’t work at all, they say call the number and it sends you back to the website with a link for your registration that doesn’t even work so it sends you back to the number!! If you choose to stay on the line for a real person, you’re waiting for a long time then you have to fork over all your information then you aren’t even done because you have to send them a copy of your ssn, birth certificate, and DL in an email to complete the verification process which takes days and that’s even if you get lucky enough to fully activate your card because most of the time you get dead ends with a burnt wallet and wasted money other than your time. It’s sketchy and they want all your info. You have a greater chance of getting your info stolen and wasting money on Netspend then getting what you actually payed for.

TheFortyFore, Feb 28, 2020


With the Netspend Prepaid Card, you’re in charge. Features like direct deposit offer a convenient way to add money to your Card Account and get paid up to 2 days faster.³ Use your card anywhere Visa® debit cards or Debit Mastercard® is accepted. And with the Netspend Mobile App⁶ you can manage your account wherever you go.

You’ll be able to do things like: • Load checks directly to your Card Account—just by taking a few pictures.⁴ • Check your Card Account balance and transaction history. • Send money to friends and family. • Find no cost reload locations.² With the Mobile App⁶ it’s all at your fingertips. 1 ID verification required. We will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card use restrictions may apply. See netspend.com or card order page for details. Residents of Vermont are ineligible to open a card account. 2 While this feature is available at no cost, certain other transaction fees and costs, terms and conditions are associated with the use of this Card. See the Cardholder Agreement. 3 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 4 Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. 5 Fees for bank transfers are determined by the transferor’s bank and may be charged to the transferor’s bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 Account-to-Account Transfer Fee-CS Agent applies. 6 Netspend does not charge for this service, but your wireless carrier may charge for messages or data. The Netspend Visa Prepaid Card is issued by Axos Bank®, The Bancorp Bank, MetaBank®, and Republic Bank & Trust Company, pursuant to a license from Visa U.S.A. Inc. The Netspend Prepaid Mastercard is issued by Axos Bank, The Bancorp Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by Mastercard International Incorporated. Axos Bank, The Bancorp Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. Netspend, a TSYS® Company, is a registered agent of Axos Bank, The Bancorp Bank, MetaBank, and Republic Bank & Trust Company. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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