• NetSpend

NetSpend

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Overview

NetSpend has a rating of 1.4 stars from 433 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about NetSpend most frequently mention customer service, social security, and debit card problems. NetSpend ranks 18th among Debit Card sites.

  • Service
    205
  • Value
    202
  • Quality
    193

This company responds to reviews on average within 2 days

Positive reviews (last 12 months): 2.9%
Positive
1
Neutral
0
Negative
33
82
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How would you rate NetSpend?
Top Positive Review

“I have used NetSpend for over 10 years and have had 0 problems!”

Laura S.
12/17/19

It is worth paying a $5.00 monthly fee to NetSpend because I get unlimited transactions and I get paid direct deposit money sooner than anyone I work with. NetSpend also gives me free text alerts describing each transaction made so I never have to wonder what my balance is. NetSpend is a trustworthy prepaid card. They will even cover me if I overdraw up to 10 bucks since I have direct deposit. Just read their policies; very simple to understand, choose your plan and you won't be disappointed.

Top Critical Review

“DO NOT USE NETSPEND!”

Stephanie O.
8/6/24

NetSpend is the worst bank I have ever dealt with. Their customer service reps are a complete joke. DO NOT USE NETSPEND. If anyone has any negative social media links, please share with me so I can spread the word.

Reviews (433)

Rating

Timeframe

Other

Reviews that mention popular keywords

customer service (108) bank account (20) security card (14) security number (15)
Thumbnail of user stephanieo1028
1 review
0 helpful votes
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August 6th, 2024

NetSpend is the worst bank I have ever dealt with. Their customer service reps are a complete joke. DO NOT USE NETSPEND. If anyone has any negative social media links, please share with me so I can spread the word.

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Stephanie,

We are sorry that you had a bad experience with us. We will be happy to address your concerns. Please contact us direct at social@netspend.com.

Thumbnail of user Etumtanir
1 review
0 helpful votes
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July 27th, 2024

Do not use or open accounts with them scamm I did direct deposit my job biggest mistake I ever made in week I have to call them 20 times eveytime I use the card my account blocked seriously every single time I did ready cancel the account with them you will be so sorry if you do open account with net spend

Products used:
PayPal prepaid

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Evgin,

We are hear you had so much complication with your account. We will like to resolve your issue. May you please contact us directly at social@netspend.com for further assistance regarding your account. Please provide your name and contact information to reach out to you directly.

Thumbnail of user jacquep28
1 review
0 helpful votes
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May 4th, 2024

I am NOT a netspend customer and. Have NO affilation with this company, yet somehow they were able to access and drain my bank account within 24 hours. How is nespend able to do this?
I called netspend and they were rude and unhelpful and told me to call my bank, which I did.
Now I have had to block my bank account, cancel the credit card and will have to close the account and open a new one after the dispute is settled.
UNBELIEVABLY PISSES ME OFF!

Tip for consumers:
Unhelpful and must be a scam. How can this be covered by FDIC?

Products used:
NONE

Service
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Jacque,

We are sorry to hear that this happened to you. We will be happy to look into your concerns to assist you further. Please feel free to reach out to us about your concerns at social@netspend.com.

Thumbnail of user troyatkins61
1 review
0 helpful votes
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March 29th, 2024

Back in December 2023 I had a fraud claim open and settled in a claim to have mailed me a check to my mailing address here we are in March 2024 and these people have to say message me anything or send anything in the mail and when I call it is they have working for him have no knowledge of what they're doing or any procedures to get your money back and the emails ha see any emails I've sent them and they said they don't know what I'm talking about when I have proof in my email and in my physical mailbox. So it needs to happen to companies like this. We need to come together and sue them and bring them down so they don't get away with garbage like this and they message you saying contact their email don't waste your time just take them to court.

Products used:
There was fraud on my account

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Troy,
We are sorry to hear that your concerns were not fully addressed. We will be happy to look further into your concerns. In order to do so we will need additional information. Can you please email us at social@netspend.com and we will have someone from our team will reach out to you directly.
Thank you.

Thumbnail of user cathyj351
1 review
1 helpful vote
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March 22nd, 2024

I was a loyal NetSpend customer for many years with any trouble. All of a sudden just before my payday, I called NetSpend to ask a question, when I found out that my account had been closed! They did this without calling, texting, writing, or emailing me! I asked why, and got an answer that made absolutely no sense at all! Unfortunately, I live from payday to payday. So, because they decided to close my account just before payday, my family and I were left without any way to access my money! That was almost all of the money that I had in the world! We live in a hotel right now. I have to pay for it weekly! It is by the grace of God that we didn't end up getting put out into the street all because NetSpend! It took me a week and a day to finally get my payroll check! It costed me $27 just to cash the check that they sent to me! They put me through all of this for no reason! Future or present customers of NetSpend beware! They will burn you! This is a chicken crap company.

Service
Value
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Cathy,

We are sorry about the experience you had with us. We would like to speak to you about your concerns with access the funds on the account. Please feel free to contact us at social@netspend.com.

Thumbnail of user christinam1077
2 reviews
3 helpful votes
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February 29th, 2024

I bought a visa netspend card at Walgreens for my kid to play games online. It wont activate. I set up an account to no avail. I emailed netspend. No help there. I "chatted" and...no help there. I called. It wants me to give my social security or pin. I have no pin! They send me a card to set up which had nothing to do with the prepaid card I bought from Walgreens. So frustrated.

Products used:
Visa netspend gift card

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Christina,
We are sorry that you were having issues with regards to the card you purchased. Please email us at social@netspend.com with your specific concerns and contact information so we can reach out directly to help you.

Thumbnail of user robynhuber74
1 review
0 helpful votes
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April 2nd, 2024

Don't trust prepaid netspend they say you a fraud when your not they lock your account I have bills needs to be paid that come off my card so I'm also I use PayPal prepaid I have used many years now we'll now netspend is part of PayPal prepaid now they shut that card down to I had bills coming out of today each card had money on them so I'm talking to a lawyer and we are going after them I have prerecordings of the rudeness they are dishonest I have enough on them to get them in court I'm taken them down I'm going to news news papers please stay away from prepaid PayPal the yes card and netspend same people under different names more I was slandered

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Robyn,
We are sorry to hear that your concerns with your account being locked. We understand the importance of having access to your funds. We will be happy to look further into your concerns. In order to do so we will need additional information. Can you please email us at social@netspend.com and we will have someone from our team will reach out to you directly.
Thank you.

Thumbnail of user mv223
1 review
2 helpful votes
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January 26th, 2024

Have a pending transaction with Netspend for 2 weeks and Netspend won't release funds back to my account. The merchant (my Credit Union) has verified they don't see transaction to verify, accept, or cancel. Netspend has a moving target as to when the funds will be put back into my account. First it was Jan. 19, then Jan. 24 and now who knows... On vacation and really need the funds. ($1318)

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear that about the pending transaction concerns you are having. We will be gladly to assist you with your concerns please reach out to us at social@netspend.com

Thumbnail of user ginas898
1 review
1 helpful vote
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February 20th, 2024

I was given a NetSpend Debit card of $50 as a bday gift. I tried to activate it online only to be told to call their customer service number. I called and spoke to a rep and they said I have to talk to the primary account holder. It was purchased as a gift and no account holder is listed on the account. I can't activate the card and now the person who paid $50 plus the NetSpend $2.95 fee is out of pocket. NetSpend is a rippoff and scam. I have a copy of the receipt. I hope more people realize that this company is out to make money off of people and will take advantage at any cost. Please stay clear of them! Go get a reputable debit card at a local credit union or local bank.

Tip for consumers:
Never purchase a card like this from CVS or trust NetSpend at all!

Products used:
A NetSpend Visa Debit Card

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello Gina, We would be happy to assist you. Please email us at social@netspend.com with your specific concerns and contact information so we can reach out directly to help you.

Thumbnail of user jalysiab
1 review
0 helpful votes
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February 1st, 2024

I pay the same bills every month, same companies every month and netspend keeps denying my transactions an blocking my card. I have to go through hoops to use my fund. It feels so illegal. Customer service will put me on hold an leave me there, hang up on me, transfer me to random departments. This company is horrible. Time for me to bank somewhere else. I have kids. I dont have time for my money that i worked for to be blocked from using. What if i was stranded or had an emergency an cant access my money. I dont know how this company is still in business. The worst thing about this company is the customer service. Worst experience every single time. Every single person has broken English. Can barely understand them an visa versa. Horrible horrible horrible. 0 stars

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear that you had a bad experience with our customer service. We will be glad to assist you with your concerns. Please reach out to us at social@netspend.com. We will be gladly to assist you with your concerns and resolve the issue.

Thumbnail of user titusj6
1 review
4 helpful votes
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January 16th, 2024

I was supposed to have received a $50 pre-paid card from them. The card never showed. When you call their customer service, they do not let you speak to a representative without said card number. So then your last resort is through email, to which they just tell you to call the number and speak to customer service.

After all of this, out of pure exhaustion I gave up. Recently I received an email saying the card would soon expire due to inactivity. I once more went through this process and experienced the same run-around.

It's one circulative process that is scummy, dirty, and mad evil. No doubt the worst company I've ever had the displeasure of dealing with.

Products used:
Pre-Paid Debit Card

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear about the negative experience with customer service. We will be gladly to assist with your concerns please reach out to us at Social@netspend.com

Thumbnail of user lorec6
1 review
5 helpful votes
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January 4th, 2024

Horrible customer service, I was transferred many times without anyone being able to activate my card. Customer service representatives were rude and un knowledgeable. Save yourself the trouble and DO NOT buy a netspend card.

Service
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you were having troubles with activating your card. For assistance, please email social@netspend.com.
Thank you,
Netspend

Thumbnail of user jtrente30
1 review
4 helpful votes
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January 24th, 2024

Bought a prepaid $100 prepaid card at the end of november 2023, and could not access the funds. I could not get the card activated, and after multiple emails and calls they tell me that their records show my account has already been closed, and my social security number showed up as belonging to a deceased person. I checked my credit report with all 3 major bureaus, my chex systems report, and my records at the social security administration. None of them list me as deceased. They told me to get some form from the social security office to show I was mistakenly marked deceased, but I cant get it because they never made that mistake. I recommend not even making eye contact with netspend cards.

Tip for consumers:
Avoid it at all cost.

Products used:
N/a

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We will be gladly to assist you with the concerns of the card you purchased in November, please reach out to us directly at social@netspend.com

Thumbnail of user jackiew627
1 review
1 helpful vote
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February 1st, 2024

Took 3 weeks to get card, then 3 phone calls to get it activated for the app wouldn't do it, then 5 phone calls to attempt to put money on the card to be able to use which still won't allow to do it not online on the phone and not in the app spent way took much time and effort to even consider using it ever!

Products used:
nothing at all it wouldn't let me

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear that you had a bad experience with activating the card. We will be glad to assist you with your concerns. Please reach out to us at social@netspend.com. We will be gladly to assist you with your concerns.

Thumbnail of user mellisamcc741
1 review
3 helpful votes
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January 2nd, 2024

Recently on 12/25/23 my card was somehow hacked, account drained, and netspend has been no help. They tell you to file a dispute which can take anywhere from 10 to 90 days and in the meantime you are out your funds. They do not do like traditional banks and credit your account.

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear about the experience you had. For assistance, please email social@netspend.com.
Thank you,
Netspend

Thumbnail of user alexisc617
1 review
2 helpful votes
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December 28th, 2023

They will not activate my son's card after numerous attempts. Now they want documentation of a social security card, proof of address, and 3 months worth of utility bills. It's all over seas, they will take your identity! I really hope this corporation gets shutdown.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you were having troubles with activating your son card. For assistance, please email social@netspend.com.
Thank you,
Netspend

Thumbnail of user dm973
1 review
0 helpful votes
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February 1st, 2024

My brother died and I contacted their customer service. I was informed of what documentation was needed to have access to his account. Information was sent. When I called back, the representative was rude, told me the account was closed and the balance was $0. I said I know he had just received his disability checks right before he died and I know he had money. I was told I wasn't allowed to know that information, even though I'm next of kin. They are keeping money. I've filed a complaint with the FTC.
I am the guardian to my disabled son and I was trying to help him. They refused to take my guardian papers so I could help him. It became easier to withdraw the funds and open an account with a credit union.
It has really been disappointing dealing with this company as I morning my brother's death from an OD

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear that you had a bad experience with our customer service. We will be glad to assist you with your concerns. Please reach out to us at social@netspend.com. We will be gladly to assist you with your concerns.

Thumbnail of user juliee842
1 review
5 helpful votes
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December 21st, 2023

Card hacked, Disputes filed, clearly was fraud. They denied my disputes, I now have an attorney. They inconvenienced me and now do to over 30 day to get a refund my bills were late. This is totally on them get your money out. They allowed the hacker to change my PW and phone number. They knew when my deposit hit, how much was left after their attack on me. Poor Business and practices. IC3 filed with the FBI

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that. For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user brettw310
1 review
5 helpful votes
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December 7th, 2023

Severely pissed off after waiting over a month in a half for the dispute team to get my money back from a transaction I didn't make in the amount of 157.98 they denied it and won't give me my money back this is wrong and netspend can go to hell stay clear of getting a netspend card nothing but hell on earth with these people this is not the first time I've had an issue with them. I've had several and they don't do $#*! about anything

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that. For questions about your dispute claim, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user kb763
1 review
1 helpful vote
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July 9th, 2022
Verified purchase

Received a card in the mail which I did not apply for which is a HED debit card that can only be used in stores many states far from me. I called the number provided on the documentation and could not get anybody except automated questions asking for sensitive financial information.

Emailed to their contact and then got a phone call and an email indicating a required phone meet time. I've demanded communication in writing only.

I checked their online application forms (see image attached) and none of these functions/work therefore that card account had to have been created by NetSpend organization. This a fraud and nothing more.

Everything about this organization screams run or sue. Pursuing legal reporting avenues.

Products used:
None - this is a fraud organization report.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hmm. We're sorry to hear that. Netspend relies on affiliate marketing services as a source for reaching potential new customers and your information was likely acquired through these business relationships.

If you weren't able to user the toll-free number provided with the card to opt-out, please email us at social@netspend.com with your request to remove and we will remove your information from our system.

Thank you,
Netspend

Thumbnail of user kylen256
1 review
2 helpful votes
  • Send Message
March 22nd, 2023

I was unfortunately gifted some of these cards which are now worthless before I could even use them. These are worse than gift cards - and I didn't even think that was possible. They charged me $6 per month for an "inactivity" fee until there was $1.20 left on the account - which as it turns out won't even cover the transaction fee to use it! This is after I had to give them all my personal information to setup an account... I'm not convinced this isn't a scam. A legitimate company would not have this hilariously insane scheme to take money away from its users every chance it gets.

Tip for consumers:
Lotto tickets hold more value than these prepaid netspend cards.

Products used:
Visa prepaid card

Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that. To speak with us about your prepaid debit cards, please email social@netspend.com.

Thank you for your reviews,
Netspend

Thumbnail of user lauras970
1 review
2 helpful votes
  • Send Message
December 17th, 2019

It is worth paying a $5.00 monthly fee to NetSpend because I get unlimited transactions and I get paid direct deposit money sooner than anyone I work with. NetSpend also gives me free text alerts describing each transaction made so I never have to wonder what my balance is. NetSpend is a trustworthy prepaid card. They will even cover me if I overdraw up to 10 bucks since I have direct deposit. Just read their policies; very simple to understand, choose your plan and you won't be disappointed.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello,

Thank you for your feedback. We are glad to hear that you are happy with your Netspend services.

Have a great day,
Netspend

Thumbnail of user kimberlyd650
1 review
4 helpful votes
  • Send Message
March 1st, 2021

I been banking with netspend all my life but someone hacked into my account so i call them and did a despite on my money that was unlawful took out of my account next thing the following week they closed my account dont know why and when I call them to ask the only thing they saying cause I did an dispute for fraud and it's my money I'm the victim but netspend will have you looking like the crook about your own funds I do not recommend anyone to them and they never gave me my money back of 2500. 00 cash that someone looking out of my money so I was scam both ways it's not fair to the clients!

Thumbnail of user jm1103
1 review
0 helpful votes
  • Send Message
September 24th, 2020

Netspend contacted me to ask if a charge on my card was fraudulent. Great right? Until they closed my account the day before my direct deposit was supposed to be deposited. Leaving me with NO access to my money until they could send me another card in 3-4 days. Then put me through the wringer with several security questions and public record questions. Long story short, still waiting for my new card and no access to my money.

Thumbnail of user ranoutofnames666
2 reviews
0 helpful votes
  • Send Message
August 22nd, 2024

I used my acct when i go for subscriptions and other online content
But i do not use it enough to spend the 5 dollar per deposits and monthly cost
So after i have not used it in a while i find they stole the 4$ remaining as a inactive fee
Load of $#*!
I will stick to the cc gift cards in future same fee and no monthly cost

Tip for consumers:
cost me 5 dollars to load money to use on it per load
i used it only online to buy subscription service
but when i do not need to use constantly they stole my last 4 dollars remaining on it to short of spending on anything or request check that would of costed 6 dollars lol

expect fee fee and more fees
i suggest going for the gift credit cards same load cost but no monthly fee it seems and used online fine

Products used:
a prepaid cc netspend
5 dollar loading fee per load

Service
Value
Quality
Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello,

We are sorry you are unhappy with the fees that were charged on the account. We will be happy to look into your concerns and addressed the issue. Please email us at social@netspend.com for further assistance.

We appreciate the feed back and suggestion you provided and will bring this up for review.

Thank you,

Netspend

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From the business

NetSpend is a leading provider of reloadable prepaid cards and related financial services in the United States. We serve the estimated 68 million underbanked consumers who do not have a traditional bank account or who rely on alternative financial services. Our mission is to provide products and services that empower consumers with the convenience, security and freedom to be self-banked.

Since 1999, our products have helped more than 10 million consumers to make purchases, pay bills and manage their money without the need for a checking account or credit history.

Through our nationwide network of more than 70,000 distribution locations and 130,000 reload points, consumers can buy and reload NetSpend Prepaid Cards at neighborhood retailers, check cashers, convenience stores, grocers, pharmacies, insurance providers and tax preparers nationwide. In addition, our direct distribution channel reaches consumers beyond our store-based distributors. NetSpend is also a leading provider of corporate payroll card solutions that help employers offer all employees a direct deposit option and eliminate expenses associated with paper checks for employees and employers alike

Company Representative

Thumbnail of user travisv6
Eric L.
Response Team Supv.
Typically responds within 2 days

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