• 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 eduardod39
1 review
1 helpful vote
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July 13th, 2019

Never buy a Netspend prepaid card, they market them under various labels so check online before buying any prepaid.
I left a complaint with this company that details it but basically they lock your money if they cant verify your addres, well ok thats fine. But the amount of BS you have to go through to get unlocked is incredible. At one point the rep on the phone even admitted "yeah that proves you moved their" but still they wouldnt unlock the account. I dont know what they are doing with my money but never buy a netspend prepaid card.

Tip for consumers:
Just dont, avoid it. The customer service literally doesnt care about you and Ive never called into a palce where you could hear that attitude so clearly within the first few spoken words.

Products used:
Paypal Prepaid Netspend Card

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

Hello Eduardo,

We are sorry to hear that you are having difficulty activating your card. We would like to speak with you directly about this issue. Please send an email to us at social@netspend.com with your contact information so that we can reach out to you directly.

Thank you,
Netspend

Thumbnail of user demarcusd6
1 review
1 helpful vote
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September 3rd, 2022

I dont recommend anyone ever to get a netspend card they steal your money and always have a excuse lets say for instance i applied for a card they end up sending me two cards at once one was a good card other was a dummy card i filed my taxes in couldn't get my money because now they say need to prove identity but as I tried to explain how if my house just burned down i lost everything and was counting on my taxes to move now im just out of luck

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

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

Thank you,
Netspend

Thumbnail of user tammyd195
1 review
2 helpful votes
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February 18th, 2020

Can't understand the guy in customer service. He activated a permanent card but somehow the money on my temporary card has been lost. It wasn't much but it was mine. He denies I had any money on there and now I am livid! Do not use net spend they are lying thieves. Greendot is way better never had a problem with them!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that. We are happy to look into your account with you. Please email us at social@netspend.com for assistance.

Thank you,
Netspend

Thumbnail of user angelal302
1 review
0 helpful votes
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December 10th, 2019

I been using this card 4 awhile but all of a sudden when im trying 2 pay 4 my cable an went online 2 use it to come 2 find out netspend put a hold on my funds 4 what reason i dont know an my bill is due on the 10th of dec 2019

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hello,

We are sorry to hear this.

Your personal information and Card Account security are very important to us. If we detect suspicious or high risk activity, your Card Account may be suspended/ blocked, in order to verify information with you. We understand this can be an inconvenience, but we can assure you that it is only meant as a protection of your Card Account.

Please email us at social@netspend.com with your contact information so that we can reach out to you regarding this issue.

Thank you,
Netspend

Thumbnail of user justinw814
1 review
0 helpful votes
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July 15th, 2022
Verified purchase

I've never left a bad review for anybody but this is the worst customer service I've ever had the misfortune of dealing with. Not only was I put on hold twice for over 45mins while waiting for a supervisor(which never came). They locked my account because of an unauthorized charge which is understandable but then I was told I couldn't use my money until I get a new card which can take 5 business days and there would be no other way to access my funds. I was told at the end by a representative that I should be grateful they were sending another card hahahah wow incredible. Worst experience I've ever had dealing with customer service in my 35 years of life. I will get my card and withdraw all the funds and close the account immediately. How can a place that charges money to keep an account open act like this towards their customers? I wish there was a way I could rate this zero stars.

Tip for consumers:
NEVER USE NETSPEND!!!!

Products used:
Prepaid debit card

Service
Value
Quality
Thumbnail of user andyl436
1 review
0 helpful votes
  • Send Message
September 3rd, 2021

Be very careful not to buy these cards. They are a huge scam. They are not gift cards but look like they are. They require more information than you should give and when you try to get your money back, they charge $5.95 per month and then $5.95 to get what money is left on the card back, plus talk with an foreign county that doesn't understand what you say.

Products used:
Debit cards

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

We're sorry to hear that you are unhappy with your purchase.

Netspend offers prepaid debit cards, not gift cards. Like other financial companies that issue 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.

For questions about our products, or for assistance with using your card, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user tonys1277
1 review
1 helpful vote
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October 5th, 2021

Don't do business with them they steal your money and then lie and say they gave it back but don't show in your account nowhere to be found. Then they customer service is the worst in the world. They don't know how to do they job. So i advise you not to do business with them at all

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you are unhappy with your card services.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user jw1076
1 review
1 helpful vote
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December 19th, 2022

I purchased two of these cards from Walmart and tried to activate them multiple times through their telephone Representatives. None of these people would help. They just continue to send me to an automated system that I repeatedly told them is not working for the cards. They refuse to help and now I can't return them to Walmart and I have no money and no card. Do not get this card

Products used:
None. I lost money

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

We're sorry that you weren't able to complete the activation process. For assistance, please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user kevinj1082
1 review
0 helpful votes
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July 13th, 2022

I bought a NETSPEND card and these idiots could not activate it and now i know why they have a one star rating on here. I must tell you that the one star is a lot more then they deserve. Every one i talked to their was a complete idiot please do your self a favor do not ever use this company.

Thumbnail of user bruceb798
1 review
0 helpful votes
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January 20th, 2021

I purchased a $100 card plus fees at Walmart for my daughter to take to collage. I chose it because it was reloadable and I could send her money as needed. The card does not work. After 7 months the still claim my account needs further identification, for a prepaid card! That I cant get a refund on! I'm retired. I know $100 is not a lot of money to most but for me on Social Security its a tremendous amount. I recently discovered that The Federal Trade Commission is mailing more than 430,000 checks totaling more than $10 million to people who could not access money deposited to their NetSpend reloadable prepaid debit cards. They are thieves. Plain and simple. DO NOT BUY Every time I call I get a out of the country person who seems to not understand the problem!

Tip for consumers:
Avoid them. I gave them my hard earned money and they Stoll it. PLAIN AND SIMPLE

Products used:
Its a reloadable card that I thought would be perfect for my collage age child!

Service
Value
Quality
Thumbnail of user paulh2215
2 reviews
1 helpful vote
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October 20th, 2021

Bought a nexspend card and added $500 to it. Activated it and sent in my id. Went to use it and was declined. Told I not accepted and will return my funds to my address on file. But how long must I wait for my money! Emails unanswered and phone calls get put on hold for over 30 minutes. They terrible

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We are sorry to hear this.

We can check on the status of your refund check. Please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user rebeccal1281
2 reviews
0 helpful votes
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May 31st, 2022

Net spend sucks, they are extremely extremely bad. They don't put direct deposit into account when they are supposed to, they take forever to update and terrible terrible customer service and I was on the phone for over 50 minutes.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that your deposit hasn't arrived as early as expected. Unfortuantely, we don't have control over when they are sent to us.

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

Thank you,
Netspend

Thumbnail of user seano304
1 review
1 helpful vote
  • Send Message
September 20th, 2022
Verified purchase

Netspend ripped me off of $150.00! I bought a prepaid card and a fraudster got ahold of my card and tried to take my money. When I addressed the problem Neyspend ran me around for three weeks until they finally told me I was SOL. Even with the receipt! What a sham! Sean Olsen

Tip for consumers:
Don’t think your money is secure!

Products used:
I lost my $150.00 so didn’t have money to go anywhere else

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

For assistance with reviewing your transaction history or filing a dispute claim, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user emilyq43
1 review
0 helpful votes
  • Send Message
November 20th, 2020

This debit card be taking money all the time off your card. They charge for everything! And this is why is the worst debit card to have. Is funny hoe I can put 20 dollars and they be taking almost all my money out. Bunch of greedy asses they should take this whole company down!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you are unhappy with your card services. It sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN or signature/credit transaction there is a fee. We also offer a monthly plan that allows for unlimited purchases. You can change you fee plan at any time through your Online Account Center. If you need additional assistance, please email us at social@netspend.com.

Thumbnail of user jeannew15
1 review
2 helpful votes
  • Send Message
December 19th, 2016

Got a gift card and used it once. A website tried to take my money while there was none on it and then NetSpend didn't decline it. I reloaded my card with 50 dollars on it and then had -2 dollars when I went to use it. Then I called them to complain and blamed me. Terrible. Never use this credit card company. It will scam you big time and you will never get your money back! I am not satisfied ONE BIT!

Thumbnail of user travisv6
Eric L. – NetSpend Rep

Hi Jeanne,

We regret to hear about your recent experience with our service. We do not offer gift cards, but reloadable prepaid debit cards. We would like to research why your balance was negative and request that you email us at social@netspend.com. We will contact you as soon as possible.

Thank you,

Netspend

Thumbnail of user lorriea17
1 review
9 helpful votes
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October 15th, 2020

They locked my account on the same day my paycheck was direct deposited and now I have no access to my money! You can't get any straight answers when you call costumer service it's just a joke! Can they legally just close my account for no reason and not give me my money that was just deposited by my employer? If I don't hear back by top management like I was told and get my money by tomorrow I'm going to the Attorney General!

Thumbnail of user brandyr174
1 review
0 helpful votes
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October 6th, 2022

The worst card Ever! The people on the other end won't help you at all. I kept getting you must verify everything on your end I kept doing it over and over again. Nothing worked and they wont fix it on their end. So my money is stuck on a card I can't activate.

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 resolving the issue on your account.

Thumbnail of user courtneyc453
1 review
1 helpful vote
  • Send Message
February 21st, 2022

I have had my Netspend card hacked TWICE in a 2-3 month span. First time, over $400 and that took FOREVER to get the money back. Now here we are again, I got $250 stole from me and Netspend does not want to help anyone. They say it can take 30, possibly 45 days for the dispute to be solved. I just need my money back ASAP that was stolen from me, I have bills to pay before stuff gets shut off! Once, I get this $250 back, I will be closing the account because I am tired of people taking my money! This has never happened with any other card I have had.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear about your experience.

We are happy to speak with you about the dispute process. Please email us at social@netspend.com.

Thank you,
Netspend

Thumbnail of user kathyw678
1 review
1 helpful vote
  • Send Message
August 6th, 2021

Beware that there is a $5 monthly fee. You can't transfer money from its account to another bank account. Unlike other banks, they never tell you there is a monthly fee on the website where you sign up. Once I found out, I want to withdrawal and close the account. They told you to go the counter to withdraw, and you will be charge a 1% for that. I was charge $12.40 withdrawal fee plus the $5 monthly fee even I decide not to use it and close it.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you are unhappy with your card services. The fees for using the card and for maintaining the Card Account are fully disclosed in the Cardholder Agreement that is included with all cards.

Currently we offer the option to make debit card transfers to external institutions and bank to bank transfers using your routing and account information.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user marrkk
1 review
1 helpful vote
  • Send Message
April 28th, 2021

I have done this twice in order to get my pay from work when Its on direct deposit where I get it 2 days earlier. Two weeks ago I Ihad to send my direct deposit info to h. R of my workplace which sent it to my corporate office. And I'm getting pissed off because you all are running me around. I have to make a living you know. So why do you get paid and not me or others. Smdh...

Tip for consumers:
No refunds

Products used:
No funds

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

We're sorry to hear that there are issues with your employer sending your direct deposit. For questions about the direct deposit process, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user randalll281
1 review
0 helpful votes
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October 10th, 2020

So I had a joint account with them. My wife's card had gotten hacked. They stopped the transaction but in total took over 40 dollars in fees. And when we called in the customer service person asked my wife to get off of the phone so he could email her the transactions. They couldn't explain over the phone why they took over $40 in fees. Wish they would have been more helpful. In these times of needs for so many with the covid 19 and many out of work you'd think they would at least care enough to help.

Thumbnail of user cc855
1 review
1 helpful vote
  • Send Message
December 5th, 2022

I purchased a card because I thought it was a trusted.
I was told they could not activate and will send a refund 10 business days.
As I patiently waited passed the days.
I called and a representative left me on hold for 20 minutes only to say she needs approval to give me my information for my refund.
Horrible.

Tip for consumers:
Do NotbTrust Netspend.

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 still need assistance checking the status of your refund check.

Thumbnail of user jalenc9
1 review
0 helpful votes
  • Send Message
April 15th, 2022

Honestly, you'd be better off trusting a complete stranger on the street with a CashApp to load funds than NetSpend.

I bought and used cards, but had a remaining balance I attempted to recover. First they said they'd return it because I didn't have the necessary documents to get the "block" lifted on my account. No biggie, I'll take my money. A month later, they say sorry, we lied, never sent it. We need your documents to give you YOUR MONEY back. No problem, I provide a Passport, SSN and W2 with the account address. Now the W2 is too blurry. Imagine how many people buy cards that they do this to, hoping they just give up so they can keep the money. Criminal organization.

Tip for consumers:
Call your grandma and ask her to buy it for you. Ask a friend. Do not use this company.

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

Our records show that an agent from our Corporate Office has reached out to you.

Email social@netspend.com if you have additional questions or concerns.

Thank you,
Netspend

Thumbnail of user johnb7383
3 reviews
2 helpful votes
  • Send Message
September 13th, 2021

BEWARE - I purchase this netSpend card from a local Duane Reade Store here in New York and put only $20 bucks on it. I didn't ACTIVATE the card right away. When I called to activate it, they it was too late that it just expired. They said each month over the expiration date I was changed a $5.95 PER MONTH "maintenance fees"and was subtracted from my balance? And my balance was now ZERO. Even thought it was only $20, it's the principle. After 3 calls, 2 hang ups... I finally got a supervisor on the phone that said she'll send me a check. I'm now waiting on that check. This guys should be ashamed of themselves and should be shut down. I'm also reporting to the BBB if I don't see my refund.

Tip for consumers:
These BS finance companies prey on low income people with no or bad credit, and rob them blind. Don't fall for it...it's a damn shame.

Products used:
My American Express card.

Thumbnail of user travisv6
Eric L. – NetSpend Rep

We're sorry to hear that you are unhappy with your purchase.

The fees for using the card and for maintaining the card account, including maintenance fees, are fully disclosed in the Terms & Conditions that are included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Thumbnail of user yvonneb292
1 review
0 helpful votes
  • Send Message
August 4th, 2021

First, let me say NetSpend had awesome customer service. The key word had! I have used them since 2016 and then was switched to all Access by 2019. I thought they were great to use because all 4 kids in college and it was an easy way to send money. Well, I had a direct deposit sent which they stated they needed proof, I was like ok. Send proof wait 6 hours, no email. Then when I receive an email it has nothing to do with what I spoke to rep about and sent. No one knew what I was talking about?!? I called to see why no response and the rep was talking so much I couldn't even speak. I was so confused, what happened to the customer service or the practices I had grown to love? Needless to say, the 5 of us are switching asap. Do you research there are newer companies which have what NetSpend used to be. I still don't have a response. Please again do your research!

Tip for consumers:
Don't do it!

Products used:
Changed banks!!

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

We're sorry to hear about your experience. To speak with us, please email social@netspend.com with your contact information. We will have an agent reach out directly to you.

Thank for for letting us know,
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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