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Last Updated: 04/18/2025

Western Union Netspend Prepaid Mastercard

in Prepaid Debit Cards from NetSpend

Last Updated: 04/18/2025

Strongly not recommended27 total votes

2 users recommend

3 users are unsure

22 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Monthly Service Fee

$9.95(Verified 06/21/2024)

Disclaimer popup with additional information

Card Reload Fee

$0 - $3.95

Number of Reviews

Western Union Netspend Prepaid Mastercard Review

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

Western Union Netspend Prepaid Mastercard Pros & Cons

The Good

The Bad

With the Refer-a-Friend program, when a friend funds their Card Account with at least $40, you each get a $20 credit.
Optional savings account available.
Available in 50 states and Washington, DC.
Western Union Netspend Prepaid Mastercard 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

No options for avoiding a monthly fee.
No fee free ATMs
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

Western Union Netspend Prepaid Mastercard FAQ

Who issues Western Union Netspend Prepaid Mastercard?

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

What fees does Western Union Netspend Prepaid Mastercard charge?

Western Union Netspend Prepaid Mastercard charges a monthly fee of up to $9.95.

Western Union Netspend Prepaid Mastercard Prepaid Card Fees

Description

Activation Fee

Card Reload Fee

$0 - $3.95

How Much Does Western Union Netspend Prepaid Mastercard 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 Western Union Netspend Prepaid Mastercard charge an activation fee?

Western Union Netspend Prepaid Mastercard does not charge an activation fee .

What is the daily ATM withdrawal for Western Union Netspend Prepaid Mastercard?

Western Union Netspend Prepaid Mastercard has a daily ATM withdrawal limit of $940.

What is daily direct deposit limit for Western Union Netspend Prepaid Mastercard?

It looks like Western Union Netspend Prepaid Mastercard does not have a set daily direct deposit limit.

What is the Card Replacement Fee for Western Union Netspend Prepaid Mastercard?

It looks like Western Union Netspend Prepaid Mastercard does not charge a card replacement fee.

What is the Maximum Balance for Western Union Netspend Prepaid Mastercard?

The maximum balance you can have on Western Union Netspend Prepaid Mastercard 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 Western Union Netspend 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 Western Union Netspend Prepaid Mastercard

We empower consumers and businesses to be self-banked. We serve the estimated 68 million underbanked consumers by giving them convenience, security, and freedom. Our products are designed to be used as tools for people who don’t have a traditional bank account or who prefer to use alternative financial services. Netspend is a Global Payments company Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to customers globally.

Take control of your money. Your Western Union Netspend® Prepaid Mastercard is available wherever you go. Reward yourself with cash. Get special offers from select merchants and get cash back rewards on those purchases.

Contact

Headquarters

PO Box 2136

Austin, TX 78768

(866) 387-7363

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -74, or 1.5 on a 5-point rating scale.

-74

-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.

Western Union Netspend Prepaid Mastercard Community Reviews

Would you recommend Western Union Netspend Prepaid Mastercard to your friends?

Shanee S.

Oct 16, 2021

May or may not recommend

The customer service is the worst ! They have no idea what they are doing . I called and asked to speak to a supervisor twice . The supervisor didn’t know what they were doing . It was the most annoying two calls ever!! And I’ve been a customer for a very long time ! I might just want to cancel my services now because of this

Christopher D.

May 10, 2021

May or may not recommend

I like them I'm still trying to understand the All access Netspend acct.

Taylor J.

Aug 12, 2020

May or may not recommend

I got this card to utilize the savings option so I could put in $1000 and get 5% back, just because I want to designate it as part of my emergency savings. Signing up was easy, but I don't like that I can't connect my bank account directly to this account. I called customer service and they told me to just read what the website tells you to do - ...Show More

Kay H.

Mar 5, 2020

May or may not recommend

You get charged a fee every time you use the card! This blows my mind. Why would you get a card if you’re not going to use it? You wouldn’t, right? But if you use this charge they charge a fee for every transaction. That’s the most ridiculous thing I’ve ever heard! DONT GET THIS CARD. it’s a waste of money. There are plenty other prepaid card options out there ...Show More

Elida S.

Oct 6, 2019

May or may not recommend

I have struggled in the past 4 days because to use priceline you need a prepaid card so i did just that and purchased one and loaded my family money 400$ to be able to get cheaper room rates, well after loading da card they wanted me to verify my identity and so i sent right papers and they still have not releaded my funds so me and my family ...Show More

Ulysses C.

Sep 23, 2019

May or may not recommend

I need this prepaid card to save money for my rent

Teresa C.

Sep 12, 2019

May or may not recommend

Total ripoffs, gotta be dumber than a box of rocks to use this card!

Josh B.

Aug 6, 2019

May or may not recommend

Trouble to access your own money even with proper identification. Lost a good customer and probably going to lose more services are rediculous i dont recommend no one to this. Do not deal with these people . They are money sharks!!!

Mia P.

Aug 6, 2019

May or may not recommend

Extremely convenient for receiving Western Union money transfers. No need to go to a pick up location EVER.

Calvin J.

Aug 1, 2019

May or may not recommend

What a amazing card. Its good st store's and restaurants as well

Juanita Y.

Jun 8, 2019

May or may not recommend

Horrible customer service. Can't speak to anyone that can fix the problem.

James R.

May 30, 2019

May or may not recommend

Very poor customer service. I had an unauthorized transaction last Saturday. I called immediately to dispute it. It was pending. The agent said to wait to see if it clears. I did. He set me up with a new card. Said I would have it by the 28th if I paid $25 rush processing, so I did. Card showed up on the 29th. I called today on the 30th ...Show More

Nicole D.

Apr 22, 2019

May or may not recommend

Continuous lock outs. Found out after using my card for six months you can’t deposit a check of more then $2500.00, and always problems with the app or website or both.

Worst C.

Apr 18, 2019

May or may not recommend

The worst company you cannot understand there speaking. Don’t loose your card they won’t replace your money you wait the 18 days for nothing .Needs to be suit down they are not for you. All my coworkers cut there cards up .

Lavonia W.

Mar 2, 2019

May or may not recommend

After calling and being hung up on 6 times, i found out about the 5 transfer limit a month. Here it is march 1 and i still cant transfer. DO NOT USE THIS CARD.

Dan M.

Jan 29, 2019

May or may not recommend

Absolutely dreadful experience with these cards. You must activate using your entire life story and then they require you to send them documents with identification, social security numbers and information that would permit anyone to easily steal your identity and set up fake credit cards. Do not buy this product if you don't want your identity to be stolen.

Kansas B.

Jan 10, 2019

May or may not recommend

They are not consistent in paying people on time I almost lost my job.

Kara W.

Oct 20, 2018

May or may not recommend

I got the card because I recieve a large amount of Wu transactions, but if I would have known that they only allow 5 transactions per month I would have never done it. What is the purpose of having a card and I cannot put money on it? I'm not rich and this is a sham to get more money out of you.

Shavonna H.

Sep 6, 2018

May or may not recommend

Direct deposit is not consistent! I am preparing to cancel my card as soon as my deposit hits!

James R.

Aug 15, 2018

May or may not recommend

Absolutely terrible, it wont work with eBay without jumping through 2 miles of hoops, this was a waste of my time and patience, I literally gave up and lost out on 40 dollars because of how TERRIBLE and pure garbage this waste of time is.

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