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Last Updated: 04/18/2025

PayPal Prepaid Mastercard

from NetSpend

Last Updated: 04/18/2025

Strongly recommended106 total votes

74 users recommend

11 users are unsure

21 users don't recommend

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Highlights

Community Rating

Strongly recommended

Monthly Service Fee

$4.95(Verified 06/21/2024)

Disclaimer popup with additional information

Card Reload Fee

$0 - $3.95

Number of Reviews

106

PayPal Prepaid Mastercard Review

The PayPal Prepaid Mastercard 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. PayPal Prepaid Mastercard only allows you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

PayPal Prepaid Mastercard Pros & Cons

The Good

The Bad

Receive cash back offers from specially selected merchants
Move money from your PayPal account in real time.
Option for an interest bearing savings account.
With Direct Deposit, you can get paid faster than a paper check.
Available in 50 states and Washington, DC.
PayPal Prepaid Mastercard does not require a credit check.
Free in-network ATM withdrawal
Doesn't charge a fee for closing your account
No PIN purchase transaction fee
No signature purchase transaction fee

Unavoidable monthly fee.
Charges a monthly maintenance fee of up to $4.95.
You may have to pay a fee of up to $3.95 every time you load the card

PayPal Prepaid Mastercard FAQ

Who issues PayPal Prepaid Mastercard?

PayPal Prepaid Mastercard is issued by NetSpend, which is based in Austin, TX and was founded in 1999.

What fees does PayPal Prepaid Mastercard charge?

PayPal Prepaid Mastercard charges a monthly fee of up to $4.95.

PayPal Prepaid Mastercard Prepaid Card Fees

Description

Free In-Network ATM Withdrawal?

No Signature Purchase Transaction Fee?

No PIN Purchase Transaction Fee?

No Monthly Service Fee with Direct Deposit?

Activation Fee

$0 - $4.95

Card Reload Fee

$0 - $3.95

How Much Does PayPal Prepaid Mastercard Cost?

There is no activation fee.

Notice this card charges a monthly maintenance fee of up to $4.95.

However, you can avoid the monthly maintenance fee if you set up a direct deposit to your prepaid card.

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

Does PayPal Prepaid Mastercard charge an activation fee?

PayPal Prepaid Mastercard does not charge an activation fee .

What is the daily ATM withdrawal for PayPal Prepaid Mastercard?

PayPal Prepaid Mastercard has a daily ATM withdrawal limit of $940.

What is daily direct deposit limit for PayPal Prepaid Mastercard?

It looks like PayPal Prepaid Mastercard does not have a set daily direct deposit limit.

What is the Card Replacement Fee for PayPal Prepaid Mastercard?

It looks like PayPal Prepaid Mastercard does not charge a card replacement fee.

What is the Maximum Balance for PayPal Prepaid Mastercard?

The maximum balance you can have on PayPal Prepaid Mastercard is $2,500. 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 PayPal Prepaid Mastercard

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 PayPal Prepaid Mastercard

Move money from your PayPal account in real-time.

Take advantage of PayPal cash back rewards and earn on qualifying purchases from select merchants. With Direct Deposit, you can get paid faster than a paper check.

Message from our editor

What We Love About PayPal Prepaid Debit Mastercard

The PayPal Debit Mastercard is available to PayPal account holders and offers an alternative to opening a traditional bank account. It can be used to make purchases at physical locations with your PayPal balance or withdraw money from an ATM. This debit card comes with an offer to earn up to 5% APY on your money if you open an online savings account with Bancorp. The card also offers a Refer-a-Friend program that allows customers to earn commissions and cash-back on purchases.

What Could PayPal Do Better?

There are several fees associated with the PayPal Prepaid Debit Mastercard, including a monthly maintenance fee and a declined transfer fee. There are also limits on the number and amount of purchases and withdrawals you can make in a day. This prepaid debit card doesn’t allow you to make cross-account transfers, and the mobile app for the card doesn’t include a mobile deposit option.

PayPal Prepaid Debit Mastercard Backstory

PayPal is an extraordinarily successful company that offers a global online payments system that has recently added extra features to keep customers happy. One of these recent additions is the PayPal Prepaid Debit Mastercard. This card can be used anywhere Mastercard is accepted and acts as a typical debit card, but the money comes out of a PayPal account instead of a traditional bank.

The Verdict

The PayPal Debit Mastercard might be a good choice for those who are PayPal account holders. It can be used instead of a regular bank account to make purchases online and at physical retailers. The debit card requires no credit check and has online account management features that are easy to use.

However, it’s a good idea to look at all your options before choosing a prepaid debit card. This one has several fees that other cards may not. Those who don’t use PayPal also will likely want to choose an alternative option.

Contact

Headquarters

PO Box 2136

Austin, TX 78768

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.

+50

-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.

PayPal Prepaid Mastercard Community Reviews

Would you recommend PayPal Prepaid Mastercard to your friends?

Anonymous

Feb 11, 2024

May or may not recommend

I have my country debit card Commercial Bank of srilanka

Seyed jahad G.

Jan 9, 2024

May or may not recommend

Ok 🆗🆗 very good platform exchange 💱 the first bank transfer is i am to working

Anthony D.

Dec 1, 2023

May or may not recommend

paypal card is good for real its sweet and okay

Brenda R.

Nov 2, 2023

May or may not recommend

I've never had one so I can't say Yes OR No !!!

Anonymous

Oct 2, 2023

May or may not recommend

I love to use PayPal because PayPal is my favorite i really love to use it ❤️❤️❤️❤️❤️❤️❤️❤️❤️ i

Pamela W.

Aug 24, 2023

May or may not recommend

The people are very courteous and help you with every whatever you need help with

Derrick T.

Jul 12, 2023

May or may not recommend

I need a new card I really need it because I want to put money on it by derrick2545t@gmail.com

Jose F.

Jun 6, 2023

May or may not recommend

I have to experience first for me to tell my friends about it

Annette W.

May 16, 2023

May or may not recommend

I never had problems with his card and I keep on using I got a couple of

Matthew G.

Apr 28, 2023

May or may not recommend

Can't set up the card to use it. It is like they just want to keep money. Online setup does not work. Phone people from somewhere in Asis are no help. Just keep getting excuses. PayPal clearly does not care about customers.

Lisa G.

Apr 19, 2023

May or may not recommend

Good luck getting it activated . Been trying for 7 weeks

Sherry G.

Feb 7, 2023

May or may not recommend

Worst experience. Only had it a couple weeks. I tried to link i t to PayPal. Had problems since step 1. I finally got it linked and transfered my game money onto it . Success. Then I noticed unauthorized fees pending they can't tell me anything . . more to it. Just do not get the prepaid MasterCard . its through NETSPEND AND THEY WILL ROB ...Show More

Tony R.

Nov 2, 2022

May or may not recommend

Every time I've tried to use the debit card it is declined. Explination from PayPal customer service is the vendor does not take paypal debit card. Very frustrating.

Anonymous

Jun 22, 2022

May or may not recommend

I have had this card for years and my advice to you is DO NOT SIGN UP FOR THIS CARD.I would be here forever telling you are the details of the horrible way customer service treats their customers.They will lie to and gaslight customers.They will make you think your going crazy because they are the ones trying to drive you crazy.I dread having to call customer service because they get ...Show More

Lelia J.

Jan 11, 2022

May or may not recommend

Thank you so much for helping me out with this

Stacey M.

Oct 9, 2021

May or may not recommend

Not just no but HELL NO they are thieves I am out 100 dollars they are a joke a prepaid card is just that and these crooks come up with some reason that I can't activate card but can't understand them enough to know why they are biggest crooks I have ever seen will NEVER get a dime from me again

Anonymous

Oct 4, 2021

May or may not recommend

10-4-21 Have tried 2 (non-physical) debit cards (D C's) over many months starting in april 2021. Had issues and they had me replace the first card. Never worked (either one) for more than a literal hand full of dollars. Worthless experience. I don't recommend at all, as this pathway is far less utilitarian than ANYTHING else available. I tried, even today!, to purchase a ...Show More

Dee B.

Sep 30, 2021

May or may not recommend

I was sent a message from PayPal prepaid standing back there was attention charge on my account it wasn't me and as soon as I told them that it wasn't a nice card they automatically put down my card without my knowledge and never give me an opinion why I wanted to do with what money was in that account and would not put the money that I have in ...Show More

Jimmy L.

Aug 17, 2021

May or may not recommend

Have your $20 on my PayPal prepaid debit card from 14th of this month 17186 until this afternoon to send G+ been made the deposit was made and somebody screaming and what do you mean you're not giving me my money back or lied to me the whole time I wouldn't recommend it all Jimmy Lee

Stephen M.

Jul 24, 2021

May or may not recommend

My name is Stephen Miller. I purchased a PAYPAL PREPAID MASTERCARD and loaded $125.00 on it. Went to activate it and it says I have to wait till tomorrow morning to activate it. I purchased this prepaid card to pay my light bill through the emergency services. So now me and my family are in the heat with no electricity. I believe this is very very unacceptable. I will not ...Show More

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