• 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

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Reviews that mention popular keywords

customer service (108) bank account (20) security card (14) security number (15)
Thumbnail of user carmelom42
1 review
4 helpful votes
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January 4th, 2023

Deal with any prepay service but Netspend. I was a 7 year customer...Run! Good luck getting a supervisor on the phone, they'll put you on hold forever before they provide one.

Tip for consumers:
Run from Netspend!

Products used:
Prepay Card.

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

We're sorry to hear that. Please email us at social@netspend.com if you would like to speak with us about your experience.

Thank you,
Netspend

Thumbnail of user samanthaw693
1 review
0 helpful votes
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September 20th, 2022

My father purchased these cards and put money on it for my boys as a Christmas gift, my father passed right before Christmas and we found the cards shortly after. I couldn't bring myself to activating them right away plus my boys did not need or wish for anything at that time. Went to activate it and there was NO MONEY on them even though I have the receipts for 50 each, because even though they were never even activated, NETSPEND charges an inactivity fee for each month... 5 freaking dollars a month. ASSININE!

Products used:
Tried using the card but couldn't they took all the money in inactivity fees.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear about that. Please send us an email to social@netspend.com, we will be glad to look into it further.

Thumbnail of user weeweew2
3 reviews
2 helpful votes
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February 8th, 2024

Low withdrawal limits customer service repeated hang ups long hold times disrespectful as hell this is ulcer headache banking at its worse

Tip for consumers:
RUN RUN RUN this is the SWAMP

Products used:
Online banking app they froze my account would not release my payment to the realty company costing me 200 in late fees then refused to take accountability and said my wife's name was also on the account SO

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

We are sorry to hear that you had a bad experience with Netspend. We will be glad to assist you with your concerns and provide a proper resolution. 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 ericg1763
1 review
0 helpful votes
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December 26th, 2023

I hate them. I'm former military, I went war against the Taliban. They think they're slick. Why I can't transfer my money to were I need to transfer it. $#*!s

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

We're sorry to hear that you are having an issue. For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user caric54
1 review
0 helpful votes
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June 26th, 2022

I filed a charge back on May 11 2022 with netspend. I know how charge backs work and it is MY bank that has final say based on information I provided. They are telling me it is the merchants choice if I get it back or not. Bull**it. They are crooks that read from a scipt. I filled a complaint with FDIC and then Stephanie Perkins from corporate started reaching out to me. She seemed helpful at first then she fell into the same BS as all the other people I spoke to. I have all the BS emails from her saying its not up to them it up to the maerchants bank (PAYPAL). I contacted them and they told me if my bank would reach out to them with their findings on my case they would send them the funds to return to me. NETSPEND SUCKS!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that.

Our records show that an agent from our Corporate Office has reached out to you. If you would like to speak with us about the results of your dispute claim, please email social@netspend.com.

Thank you.

Thumbnail of user marcosc116
1 review
0 helpful votes
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May 30th, 2022

I bought at Walmart 232 Dollars since thursday I been trying to activated and call and explain to them I haven't give Any name no one. Is a prepaid card for God sakes. I am trying to activated. All I get is my debit card IS NOT ACTIVATED and that my name or social doesn't match with what they have on their system. How is that possible if I open the card my self out of the box and gave it to no one. I try to get a refund and was told the same my name doesn't match I have to email to them proof Id social security proof residence. But if my name doesn't match I WILL NOT GET A REFUND. How is that possible I will get with my lawyer and spend what ever I need to spend I will get the company to pay back that money. Is not about the money no more I am done trying to get someone in the company for help and all I get is "you need to activated on the system" after I have explain everything. Stealing money from people that's ridiculous.

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

We're sorry to hear that you haven't been able to activate your card. Please email us at social@netspend.com for assistance.

Thank you,
Netspend

Thumbnail of user alanb211
1 review
6 helpful votes
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May 9th, 2018

Netspend is A COMPLETE SCAM! I purchased a card and deposited my money over a year ago, and have not yet been able to activate my card or access my money. They put a hold on my card and referred me to the fraud department, and every attempt to appease the overseas idiots has been unsuccessful. They don't want to talk to you, or even listen to you, and definitely don't want to work with you to resolve any issues. Netspend has effectively STOLEN MY MONEY, and I don't know if I'll ever get my $500 back. The security protocols seem to be intended to prevent people from using the card, undoubtedly so they can steal all your money in "fees" over time. They are basically crooks and thieves engaged in racketeering, and my only hope is some eager attorney sees the potential opportunity of initiating a class action lawsuit against this criminal enterprise. It may be the only way I ever see a dime of the hard earned cash I turned over to these bloodsuckers. STAY AWAY from netspend!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Dear Alan,

We regret to hear that you have been unable to access your account. Security is very important to us and we may just need to verify some information with you. Please email social@netspend.com and a member from our head office will contact you to make sure this is addressed.

Thank you,

Netspend

Thumbnail of user michailb3
1 review
1 helpful vote
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July 25th, 2022

My rating for NetSpend on a scale of -100,(NEGATIVE ONE HUNDRED) to positive +10,(Positive TEN). Would be -100, (NEGATIVE ONE HUNDRED)! They stole my pre-paid funds that was connected to my NetSPEND Debit/ Cerdit Card for no reason what so ever. They have refused to return it! This company and personal are very dishonest and RUDE! THEY STEAL everything that you pre-pay on your card. There is nothing good about these BAD people. They SUCK!

Tip for consumers:
I am not sure

Products used:
Shors

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

Hi, we are sorry for the experience you have had with your account. Please send us an email at social@netspend.com and we will be glad to look into this further.

Thumbnail of user tyannl
1 review
11 helpful votes
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April 23rd, 2020

Closed my account for no reason I even called before I sent me direct deposits representative said my account is in good standing before Corvid 19 pandemic they stopped all my direct deposits because if that he caused problems with stimulus direct deposit. Do Not Go them All access with NetSpend I haven't gotten paid in over a month and I have kids and bills to pay facing eviction at this point.

Thumbnail of user quijotedelcaribe
1 review
2 helpful votes
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September 12th, 2023

I recently received a debit card, from Net spend, which I I did NOT previously request. I tried unsuccessfully to contact someone live to talk to. RULE NUMBER ONE WAS IMMEDIATELY APPLIED which indicating that that this company is a scam. DO NOT PROVIDE your personal information and disposal the credit card they sent you. That is what they are looking for, your personal information.

Tip for consumers:
I recently received a debit card, from Net spend, which I I did NOT previously request. I tried unsuccessfully to contact someone live to talk to. RULE NUMBER ONE WAS IMMEDIATELY APPLIED which indicating that that this company is in fact a scam.
DO NOT PROVIDE your personal information and disposal the credit card they sent you. That is what they are looking for, your personal information.

Products used:
I recently received a debit card, from Net spend, which I I did NOT previously request. I tried unsuccessfully to contact someone live to talk to. RULE NUMBER ONE WAS IMMEDIATELY APPLIED which indicating that that this company is in fact a scam.
DO NOT PROVIDE your personal information and disposal the credit card they sent you. That is what they are looking for, your personal information.

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

Netspend relies on affiliate marketing services as a source for reaching potential new customers. The information was likely acquired through these business relationships.

Use the toll-free number provided with the card to opt-out or you can email us at social@netspend.com with your request to remove your address from our system.

Thank you,
Netspend

Thumbnail of user lisab2274
1 review
0 helpful votes
  • Send Message
February 24th, 2023

My son passed away on December 25th,2022.I contacted netspend, they asked me to send documents which I did on January 6th, 2023 and each time I call customer service I get a different story and the run around. DO NOT USE NETSPEND THEY KEEP DECEASED PEOPLE'S MONEY.

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

We are very sorry for your loss. Please email us at social@netspend.com so we can check on the status of the document review.

Thank you,
Netspend

Thumbnail of user manuelm530
1 review
0 helpful votes
  • Send Message
December 8th, 2022

I had netspend for a while haven't use it. Got a cash deposit text says available. Went on date trying to get it n cant says contact them. They should text available upon calling so lame

Tip for consumers:
Call me to release funds instead of telling is available

Products used:
Nonr

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

If you need assistance or having question about your card, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user ethanh307
1 review
3 helpful votes
  • Send Message
January 14th, 2023
Verified purchase

To the people reading this, just ask to use the card in restricted mode. You can buy things online and in store, but you can't reload the card. You do not have to give them any info on yourself.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.

This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification are required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include no ATM withdrawals, international transactions, account-to-account transfers, and additional loads.

If you have questions about the activation process, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user shanielwashington19
1 review
1 helpful vote
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March 31st, 2023

Now I have to get NetSpend because of the place I do my taxes. But I had hell since I had them first off IRS sent my money to what was suppose to be a closed account in 2021 now guys it's 2023. Stay with me now so I don't have that card information for 2021 because the account was closed and I cut up the card now they tell me I can't access any account from that time and the question they ask made me feel so uncomfortable. I couldn't think I told the place I do my taxes with to cancel the business they have with them and they said they will because there been a lot of people upset with them I just won't my 2,000 dollars back that was stolen I reported NetSpend for this and gave names and emails.

Tip for consumers:
Never again lawsuit coming real soon

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

We're sorry to hear that. If you are needing assistance, please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user jennam30
1 review
2 helpful votes
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March 8th, 2017

First of all I got this as a gift card, had no idea how to use it AND to my knowledge gift cards don't usually expire. This one had an expiration date of 2019 so I thought I had plenty of time. Since they have to send you a permenert card, I never got mines, after countless times of Calling customer service. Long story short, not even a year passed and I called to ask AGAIN for a new card and she told me that my account balance was only $16, when the original gift was $100! I was in ABSOULTE shock. She then proceeded to tell me that they had a maintenance fee to keep the card active and it brought the card down to such a low balance. WHAT A RIP OFF! I am so disappointed that I was never informed of this fee and I will never be using their services and don't recommend anyone does either.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hi Jenna,

We certainly understand your concerns about the fees associated with your account. Unfortunately, our cards are not gift cards, but reloadable prepaid debit cards. However, we can certainly assist you with this. Please email social@netspend.com and we will make sure these fees are addressed.

Thank you,

Netspend

Thumbnail of user timothys1473
1 review
3 helpful votes
  • Send Message
March 21st, 2023

Don't use this card they will make you kick their $#*! behind you money if I could get to them right now it would be trouble they have cost me over 150 dollars in over draft fees because of a hold they have placed on my account because of a old account attached to my ssn so I can't use the account that has my direct deposit attached to it I want someone to call me but they won't so I am telling everyone that looks at reviews before they get something to not $#*! with this card PERIOD.

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

We're sorry to hear that you are having issues. For assistance, please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user rebeccac1550
1 review
0 helpful votes
  • Send Message
April 24th, 2022

23 March 2022, my benefits were direct deposited to my card, which i didnt know, was locked and closed. I called they said they put the monies on a new card, and gave me the last 4 numbers of the card. On the 13th day, i called, i never received, so they said they were sending a check to my home, another 13 days, I call they said they dont know why, but i cant have a card, and they sent the monies back to the treasurer. Here it is, the 24th of April 2022, and i still have not received the monies. Thank you NETSPEND, i wouldnt recommend you to a worst enemy. You can stick your cards, up your $#*!!

Tip for consumers:
Dont use it......

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

We're sorry to hear that. Email us at social@netspend.com so we can look into it.

Thank you,
Netspend

Thumbnail of user paulinec261
1 review
1 helpful vote
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February 9th, 2023

NetSpend cancelled my card for unauthorized transaction I was to receive new card within two days it's been a week already I've called everyday to hear the same thing don't worry mam it's on it's way I'm very worried I have no ey in the card bill money they tell me not to worry I need my card I have three day notice for rent they are keeping my money I don't know who to talk to anymore customer service is telling me what I want to hear it's on it's way should have been here 5 days ago beyond fustrated I'll be homeless if card does not come I have late fees on rent they tell me don't worry do I get attorney put it on news I'm so fustrated already they need to stop ripping off people

Tip for consumers:
Do not purchase NetSpend card nothing but riop offs

Products used:
Netspend

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

We're sorry to hear that your card hasn't arrived. We would be happy to speak with you about all of the options to access your funds while you wait for the replacement card. Please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user katrinab328
1 review
0 helpful votes
  • Send Message
January 18th, 2023

Just got my card. Paid bills now card says restricted cause of an old card I haven't had in 3 years. Stole 93 of my money says I can get a check but customer service hangs up on me.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that. If you have questions, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user ferminr6
1 review
1 helpful vote
  • Send Message
March 16th, 2020

Two months ago and I can't use my money I don't recommend it is scam, the experience I have had in this service is the worst they never give you a solution just justifications

Tip for consumers:
Dont use

Products used:
Cards are scams

Thumbnail of user edithr44
1 review
3 helpful votes
  • Send Message
May 14th, 2020

THERE IS A FEE FOR EVERYTHING, IT'S RIDICULOUS! Received this card with $60 as a gift. Was charged two fees of $5.95 EACH for "account maintenance," whatever that is! And was charged $1 EVERY SINGLE TIME that I used the card for a purchase. A total of $15 in fees was retrieved from my account... mind you that I only had this gift card for 48 hours!
Oh, and they charge another fee for closing your account!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear you were not pleased with your services. Since we offer prepaid debit cards and not gift cards, there are fees associated with our products. To speak with us about your concerns, please email social@netspend.com.

Thumbnail of user renas41
1 review
0 helpful votes
  • Send Message
October 10th, 2021

You people are Crooks you are fake and take people money without giving it back to them then you show you a little commercial at night time is fake as hell and y'all were laying to tell in your crook

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We highly regret the inconvenience. However, we could not understand the exact problem that you are facing. Please shoot us a message at social@Netspend.com with relevant details. We'll be more than happy to assist you.

Thank you,
Netspend

Thumbnail of user tonyw1014
1 review
2 helpful votes
  • Send Message
October 23rd, 2023

Someone made an unauthorized transaction to my card. I called netspend and after 3 times of being placed on hold for a total of 1 hour and 47 minutes, they blocked my card and hung up on me causing extreme difficulty in re-contacting the company. They have my personal information, ssn and the remaining balance of cash that was on the card.it has been 8 weeks since this has happened, the only people you can connect to are in INDIA, so there is also a continuing communication problem. When asking to speak with someone whom speaks English they get mad and place you on hold and of course after 30-45 minutes of hold they disconnect the phone line. They claim to be a Government entity, but it seems there is no relief here. I believe this is a big scam considering everything I've been put through! Does anyone know a way to make them do right? I mean there is no information to contact a live person and they use many forms of interference when trying to contact them...to give a rating you have to atleast give them the least of one star, which is to much! Ha, can you believe, while trying to enter my review they have a statement saying it's against the law to write a false Review. Now that is funny as s__t! I'm sure stealing my money is against the law! With so many negative reviews I can't believe they're allowed to remain in business.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

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

Thank you,
Netspend

Thumbnail of user anac708
1 review
1 helpful vote
  • Send Message
February 16th, 2023

That's a horrible company! They took my money, they don't answer my call. They have the worst customer support I have ever seen. 2 hours in line and they don't answer my call… never use this company.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you haven't been able to complete the activation process. For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user bubbleg2
1 review
0 helpful votes
  • Send Message
October 9th, 2022

This is by far the most trash company I ever came encounter with. They don't care about the customer or our hard earn money we work for smh will not recommend EVER

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

We're sorry to hear about your experience. Please send us an email to social@netspend.com if you still need assistance with your account.

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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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