ReallyNeedCash - Beginner's Guide to Cash App & NetSpend

Menu
  • Home
  • Cash App
  • Netspend
  • About
  • Disclaimer
  • Privacy Policy

Netspend Card Reviews: Features, Fee Chart & Card Limits

March 1, 2022

Netspend is a leading provider of prepaid debit cards in the United States. The prepaid debit cards that Netspend offers are easy to get as no credit check or banking history is required while signing up.

You can start using your Netspend prepaid debit card within ten days, and they come with some valuable features such as no activation fee, no minimum balance, a high-yield savings account, and several membership rewards.

Netspend also allows business owners to open a small business account to manage their finances efficiently. In this article, we’ll review Netspend prepaid debit cards.

This post also includes some real-life customer reviews that’ll allow you to understand whether this financial institution is right for you or not. So, let’s jump into it.

Netspend Card Reviews

Contents

  • Netspend Card: Our Review
    • How Does Netspend Prepaid Card Work?
    • Netspend Prepaid Card: Features
      • Anytime Alerts
      • Send Money
      • Reload Locations
      • Mobile Check Load
      • Direct Deposit
    • Netspend Prepaid Card: Card Limits
    • Netspend Prepaid Card: Fee Chart
    • Netspend Prepaid Cards: Pros
    • Netspend Prepaid Cards: Cons
  • Netspend Reviews by Customers
    • Janeane, Newport News, VA
    • Larry, Yuma, AZ
    • Steven, Los Angeles, CA
    • Amelia, Prosser, WA
    • Samuel, Ceres, CA

Netspend Card: Our Review

The Netspend card is a reloadable prepaid debit card that comes with an extensive list of benefits and features. Most people use these cards as an alternative to a conventional checking account.

While Net spend isn’t one of the cheapest financial institutions, the prepaid cards it offers are an excellent option for those who don’t have a traditional bank account and credit history and need alternative financial services.

How Does Netspend Prepaid Card Work?

As mentioned, Netspend offers reloadable prepaid debit cards that can be used on any location where Visa and Mastercard debit cards are accepted. You can load money to your Netspend card using the following different methods.

  • Transfer funds between other Netspend prepaid cards.
  • Use a PayPal account to transfer money to a Netspend prepaid card.
  • Use a traditional bank account to transfer money to your Netspend prepaid debit card.
  • Add cash to your Netspend card from any Netspend reload location.
  • Sign up for direct deposits to load your Netspend card through a government benefits check or salary check.

Netspend Prepaid Card: Features

Anytime Alerts

Netspend offers an email or text alert service known as Anytime Alerts that provides real-time notifications to the following card account activities.

  • Budget notifications
  • Declined transactions
  • Received deposits
  • Individual transaction details

Netspend supports all the major cellphone carriers and telecommunication companies in the US, and you can quickly sign up for this service to receive these alerts.

Send Money

You can easily send and receive funds to/from any Netspend account. You can also load your Netspend Western Union card by sending money using your PayPal prepaid card.

Reload Locations

You can also load money to your Netspend card from any Netspend reload location. Currently, there are more than 130,000 different locations across the US.

Mobile Check Load

You can directly deposit checks using Netspend’s mobile app. All you need to do is take a picture of your paper check to load your Netspend account.

Direct Deposit

If you’re a jobber, you can sign up for the Netspend direct deposit program. You can get your government benefits and salary checks directly deposited to your prepaid debit card up to 2 days earlier.

Netspend direct deposits are completely free and you can sign up for this service by submitting your basic personal info, Netspend account number, and routing number to your employers.

Netspend Prepaid Card: Card Limits

  • Daily Cash Load Limit: $940
  • Daily ATM Limit: $940
  • Transaction Limit: $5,000
  • Card Limit: $15,000

Netspend Prepaid Card: Fee Chart

FeeMonthly PlanPay as You Go PlanPremier
Direct Deposit Fee$0.00$0.00$0.00
Cash Reload Fee$3.95$3.95$3.95
ATM Account Balance Inquiry$0.50$0.50$0.50
ATM withdrawal fee$2.50$2.50$2.50
Signature Transactions$0.00$1.00$0.00
PIN Transactions$0.00$2.00$0.00
Monthly Fee$9.95$0.00$5.00

Netspend Prepaid Cards: Pros

  • Your activity on Netspend isn’t reported to any agency or bureau. It doesn’t affect your credit score.
  • You can opt for overdraft protection that offers an overdraft courtesy cushion.
  • Direct deposits allow you to get your salary or paychecks up to 2 days early.
  • You can load money and withdraw cash easily.
  • 5 percent APY on Netspend Savings account on a $1,000 balance and 0.50 percent APY on any amount over that.

Netspend Prepaid Cards: Cons

  • Steep monthly fees on a monthly plan, and there is no way to avoid the maintenance fees.
  • The optional overdraft coverage service costs $20 on each overdraft.
  • Netspend charges an inactivity fee if there is no transaction in the last 90 days, and it also has some other fees that many similar cards don’t have.

Netspend Reviews by Customers

Janeane, Newport News, VA

Netspend allows me to make informed financial decisions and manage my funds efficiently. I mainly use Netspend cards to make online purchases and pay my bills. It’s a suitable financial product that I can use even without a checking account.

Larry, Yuma, AZ

Netspend is the best-prepaid debit card service. From online shopping to customer service, I love everything about this company. I once lost my debit card, and I only need to contact customer service to issue my replacement card.

If you’re looking for a prepaid card, then you can’t go wrong with Netspend.

Steven, Los Angeles, CA

I just can’t explain in words how easy Netspend has made my life. I’m not a technical guy, and the customer service of Netspend has been beneficial to me. They always handle my questions and concerns in a timely manner, and I can easily use this card to make utility bill payments.

Amelia, Prosser, WA

Netspend is undoubtedly the best-prepaid card I have ever used in my life. I must say that their services seem a little expensive at a glance, but the quality of service makes everything worthwhile. I can manage my finances efficiently, and the real-time alerts make activity tracking a breeze.

I have called Netspend several times, and they always provide me with the answers and solutions I need.

Samuel, Ceres, CA

I’ve been using a Netspend prepaid debit card for many years now. Their mobile app is the best thing ever for me as it allows me to do anything online. I also use this prepaid debit card to make online purchases and pay bills.

Share
Tweet
Reddit
Pinterest
Email
Prev Article
Next Article

About The Author

Laurens Yarpei

I’m Lawrence Yarpei. I have been using Cash App for the past 4 years. In this blog, I help Cash App Users with their Problems and Offer Troubleshoot solutions on everything Cash App-related Problems. Disclaimer: The intention of using trademarks, images, logos, and brand name is for information and referral only and not intended to act as Cash App representatives. We do not provide any service and are not Cash App representatives. This is just an educational blog run by a long-time Cash App user and a lover of the app and its service. Contact Cash App here for your queries: https://cash.app/help

Leave a Reply Cancel Reply

Disclaimer: We do not Provide any Service and is not affiliated with Cash App. To contact Cash App, visit https://cash.app/contact. This Website is purely an educational Blog and don't intend to Infringe any Copyright. Brand names are used for informational and reference purposes only. We fully disclaim the authority of the Brand name and logos. Click the button to refer for usage of trademark for an editorial or informational use: www.nolo.com/legal-encyclopedia/when-you-need-permission-use-trademarks.html

REFER FOR LEGAL ISSUE

Related Post

  • Can You Use QuadPay on Cash App? 78+ Stores that Accept QuadPay
    Can You Use QuadPay on Cash App? …
  • Can You Use Cash App on PC? How to Cash App on Computer?
    Can You Use Cash App on PC? …
  • How to Switch to Dark Mode on Cash App? Easiest way to get Cash App Dark Mode
    How to Switch to Dark Mode on …

ReallyNeedCash – Beginner's Guide to Cash App & NetSpend

Copyright © 2022 ReallyNeedCash - Beginner's Guide to Cash App & NetSpend
Disclaimer: Some of the editorial content on this website is not provided by Square’s Cash and may not have been reviewed, approved, or otherwise endorsed by these entities. If an error or omission has been made, please feel free to contact us. The intention of using trademarks, images, logos, and brand name is for information and referral. The information provided on the website only for knowledge sharing, although we have done our research on every content provided on the website users must use their own concerns before using the information. Our website has no control over the third-party website’s policy, users must use their concern and will be solely responsible for the damage if happens.

Ad Blocker Detected

Our website is made possible by displaying online advertisements to our visitors. Please consider supporting us by disabling your ad blocker.

Refresh