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Last Updated: 04/18/2025

Netspend Visa Prepaid Card

from NetSpend

Last Updated: 04/18/2025

Mostly not recommended16 total votes

4 users recommend

2 users are unsure

10 users don't recommend

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Highlights

Community Rating

Mostly not recommended

Monthly Service Fee

$0 - $9.95(Verified 06/21/2024)

Disclaimer popup with additional information

Card Reload Fee

$0 - $3.95

Number of Reviews

Netspend Visa Prepaid Card Review

The Netspend Visa Prepaid Card is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Netspend Visa Prepaid Card only allows you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

Netspend Visa Prepaid Card Pros & Cons

The Good

The Bad

No activation fee.
No minimum balance required.
Earn cash back.
Available in 50 states and Washington, DC.
Netspend Visa Prepaid Card does not require a credit check.
Doesn't charge a fee for closing your account
No PIN purchase transaction fee
No signature purchase transaction fee

There is an inactivity fee if the card isn't used for 90 days.
No option for fully waiving a monthly fee.
Charges a monthly maintenance fee of up to $9.95.
You may have to pay a fee of up to $3.95 every time you load the card

Netspend Visa Prepaid Card FAQ

Who issues Netspend Visa Prepaid Card?

Netspend Visa Prepaid Card is issued by NetSpend, which is based in Austin, TX and was founded in 1999.

What fees does Netspend Visa Prepaid Card charge?

Netspend Visa Prepaid Card charges a monthly fee of up to $9.95.

Netspend Visa Prepaid Card Prepaid Card Fees

Description

Activation Fee

Card Reload Fee

$0 - $3.95

How Much Does Netspend Visa Prepaid Card Cost?

There is no activation fee.

Notice this card charges a monthly maintenance fee of up to $9.95.

There is a reload fee of up to $3.95 fee every time you reload the card.

Does Netspend Visa Prepaid Card charge an activation fee?

Netspend Visa Prepaid Card does not charge an activation fee .

What is the daily ATM withdrawal for Netspend Visa Prepaid Card?

Netspend Visa Prepaid Card has a daily ATM withdrawal limit of $940.

What is daily direct deposit limit for Netspend Visa Prepaid Card?

It looks like Netspend Visa Prepaid Card does not have a set daily direct deposit limit.

What is the Card Replacement Fee for Netspend Visa Prepaid Card?

It looks like Netspend Visa Prepaid Card does not charge a card replacement fee.

What is the Maximum Balance for Netspend Visa Prepaid Card?

The maximum balance you can have on Netspend Visa Prepaid Card is $15,000. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account.

How to apply for Netspend Visa Prepaid Card

Visit the NetSpend website.
Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.
Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from our editor

What we love about NetSpend Prepaid Debit Card

The NetSpend Prepaid debit card gives you a debit card that you can use to make purchases at stores and online, even if you don’t have a checking account. Like most prepaid cards, it charges fees but it gives you flexibility in how you can structure those fees.

You can choose a monthly plan which involves a flat fee of $9.95 that you pay each month. You can also select the pay-as-you-go plan, which has no monthly fee but charges a $2 fee each time you use it.

NetSpend also offers a savings account that pays 5% APY on balances up to $1,000, giving you a chance to build your savings.

What could NetSpend Prepaid Debit Card do better?

Like most prepaid debit cards, the NetSpend Prepaid debit card’s fees are quite high. You can easily find a checking account with lower monthly fees or no monthly fee at all. This makes the card mostly useful if you have trouble opening a bank account for other reasons.

The card also doesn’t come with a network of free ATMs. That means that you’ll have to pay a $2.50 fee every time you want to withdraw cash.

NetSpend Prepaid Debit Card’s backstory

NetSpend is a company that specializes in prepaid debit cards. It was acquired by Total System Services (TSYS), a financial services company in 2013. TSYS was founded in 1959 as a division of Columbus Bank and Trust and today focuses on providing merchant services and financial services to the underbanked.

The Verdict

Like most prepaid debit cards, there’s not much reason to get a NetSpend Prepaid debit card if you can open a checking account. Checking accounts tend to be much cheaper and easier to use. However, the NetSpend Prepaid debit card is a fine choice if you’re unable to open a checking account for whatever reason.

Contact

Headquarters

PO Box 2136

Austin, TX 78768

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -37, or 2.3 on a 5-point rating scale.

-37

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Netspend Visa Prepaid Card Community Reviews

Would you recommend Netspend Visa Prepaid Card to your friends?

Chris F.

Jan 26, 2024

May or may not recommend

rippoff, cant understand customer service, hassle to activate now they froze card because a$1.00 charge seemed suspicious. IT a prepaid card !!! now they are not sending a link to post review!!!

Tabatha G.

Jun 12, 2023

May or may not recommend

I would not use brakes because y’all are charging $1.50 every time you use your card and 13 something an ATM machine you have to be crazy. I think I’m gonna keep paying that every single time I use this card that’s money I could use I’m not rich, so I would never ever recommended hard to anybody and I definitely will not be getting a direct deposit onto this ...Show More

Jim W.

Mar 9, 2022

May or may not recommend

Not a good card for people that live on a fixed income or people living pay check to pay check because of the fees

Antonio T.

Jul 15, 2021

May or may not recommend

This can be a good card and can also not be. You do get faster direct deposits, but there's a lot of fees associated with the card and it can't be used to rent cars.

Samuel A.

May 21, 2021

May or may not recommend

For a while now I've been searching for a good option on prepaid cards and Netspend came in recommended. Netspend came to my rescue because it's designed in a way in which I can pay with a plastic card. Asides from the monthly maintenance fee every other experience with Netspend has been worth it.

Samuel T.

Jan 14, 2021

May or may not recommend

After a long time search, I finally found a prepaid card that help me enjoy flexible banking system. What I love must about this card is the minimum balance system. Unlike other prepaid cards, you don't have to keep any certain amount while using this card. In fact, it is free when you want to close your account. Within a short period of suing this prepaid card, I have enjoyed ...Show More

Alex W.

Dec 18, 2020

May or may not recommend

Though I never activated my card yet after a year, I still keep for just in case, you know emergencies. My brother just bought a card for a dollar something at Walmart, he was satisfied. Though he could've ordered a free card online like I did. But time is of the essence. Can't wait to use my new, old card laugh out loud!

Azeez I.

Oct 25, 2020

May or may not recommend

Netspend is just there. My experience with them was not really that long, there is nothing spectacular about them. It takes time for them to complete your direct deposit. The major con that stood out for me is the fee they charge for account inquiry, $0.50. For someone like me who always keeps checking my account balance when expecting my direct deposit to have reflected in my account on ...Show More

Doug F.

Sep 25, 2020

May or may not recommend

I do not recommend this card! There are so many unnecessary fees in comparison to other prepaid cards that are available. I have had people gift me with this card and I hate that there is a monthly fee attached to it.

Sj P.

Jul 11, 2020

May or may not recommend

They allowed transactions to be made on the card that NO asked for or made, then cancelled the card with my money on it that was on the card and now i have no money or yet to have it taken care of! FIND ANOTHER CARD TO USE, FIND ONE THAT YOU CAN TALK WITH IN THE US IF YOUR IN THE US........THEY ARE RIP OFFS!

Anonymous

Mar 31, 2020

May or may not recommend

Have been on the phone for two days trying to set it up and can’t get ahold of anyone after an hour we get disconnected I have money on it and don’t know how to get it back

Darwayn M.

Jan 4, 2020

May or may not recommend

My direct deposit is always a day or two late. That's not good when it's time to pay bills. NetSpend doesn't even deserve a one star ratings. They are not professional

Odie O.

Jun 30, 2019

May or may not recommend

do not i repeat do not buy anything from them or thru them i feel like they scamed me i bought a card loaded 500$ they locked my account and said i now how to send a picture of my identification Card and my SSN all because i wanted to use their product i get treated like a credit card theif held me up from taking care of my ...Show More

Anonymous

Mar 28, 2019

May or may not recommend

They closed my account all off a sudden aging nothing I gave thm could verify it was me well 0its cause the start receiving a part of the funds my husband left me o told them to close it well a year and a half I find out it was never closed and they were still receiving MY MONEY SO HELL NO

Katrina L.

Mar 26, 2019

May or may not recommend

Netspend is requesting my minor son's birth certificate and SS card and my birth certficate and SS card to activate a $50 Visa gift card. A gift card from a real company doesn't require all of that. This company appears to be a scam. Why is it necessary for us to email these important documents in order to activate a $50 gift card? You won't scam us! ...Show More

Anonymous

Aug 13, 2017

May or may not recommend

IT THE BEST PREPAID CARD. I COMMANDER IT

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