How to Transfer Money to Netspend

Bank Transfer is a money transfer service provided by Netspend Corporation (NMLS# 906983). See

Availability and fees for bank transfers are determined by the transferor’s bank and may be charged to the transferor’s bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Netspend Customer Service agent.    

The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

PayPal Transfers require a PayPal Balance account and a personalized card, which arrives within 10 business days after activation of your instant-issue card. If you do not already have a PayPal Balance account you will link to this Card; visit to get one, or you may get one when you activate this card online. Account with PayPal required for certain features, but not to have the PayPal Prepaid Card. Transfers may not exceed $300 per day/$2,000 per rolling 30 days and are limited to the funds available in your PayPal Balance account. Transfers may only be made in the name of a valid PayPal Prepaid Mastercard Cardholder. Only one (1) PayPal Prepaid Mastercard may be linked to one (1) PayPal Balance account. PayPal Transfers cannot be reversed or canceled. The Bancorp Bank and Mastercard are not affiliated with, and neither endorses nor sponsors, the online account to which various funding sources, including a PayPal Prepaid Card, may be linked.

No fee for online account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card, including a $4.95 fee for each account-to-account transfer facilitated via a live Customer Service Agent. Use of card is also subject to funds availability. See the Cardholder Agreement for details.

For up-to-date information from the IRS, visit

Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

If you're new to using a Netspend Card Account, one of the first things you'll want to do is transfer money to your prepaid debit card so you can start using it. The good news is that transferring money to your Netspend Prepaid Card can be simple and convenient.

How to move money into Netspend

There are several ways to move money into your Netspend Card Account, including direct deposits, bank transfers,[1] online transfers,[2] and reload locations.[3] Some are faster than others, but there's bound to be a method that works well for you. 

Direct deposits

Adding money via direct deposit is a convenient way to add a paycheck or government benefits check to your Netspend Card Account.  You can ask your employer to automatically deposit your paycheck into the Card Account and use it where they are accepted.

The good thing about direct deposits is you only have to set it up once, and it's easy to do so.  All you need is your Account number and the Routing number, which you can give to your employer or the government department that handles your benefits. 

And the best thing of all is that your money will be available in your Card Account up to 2 days faster[4] with direct deposit than it will if you deposit a paper check.  And when you sign up for Anytime AlertsTM,[5] you can even get notified when the funds clear in your Card Account.  Learn more about direct deposits with Netspend.

Netspend Reload Network[3]

Add money to your Netspend account by finding one of 130,000 conveniently located Netspend reload locations in the U.S.

To find your nearest reload location, take a look at our locator tool to find the lowest cost locations nearby. At a reload center, you can add cash or load money to your Card Account.

Bank transfers[1]

Another way to add money to your Netspend Card Account is through an online bank transfer. You can add money from any eligible U.S.-issued bank account.

If you have another checking or savings account and use online banking, this may be the best option to add money to your Netspend Card Account.  Simply set up your Netspend Card Account as a payment recipient on your eligible checking account and follow the instructions at your bank to send money. 


For PayPal users, you can also transfer[6] funds from your PayPal account to your Netspend Card Account. This is ideal if you use PayPal a lot and don't want to have to transfer it out into another checking account.

Log in to your Paypal account and go to "Send and Request" in the top navigation bar and then "Send to Bank Account". Enter the amount that you will be sending and then select "Debit Card Deposit". Enter the verification details that PayPal requests (Name, Address, Date of Birth) and select from where you would like to transfer funds onto your Netspend Card (i.e., from a credit card, debit card, or your bank account). 

Please note that fees do apply and vary, depending on which options you choose.

Transfer between other Netspend accounts[7]

If you have another Netspend account, it's easy enough to transfer money from one Card Account to another. Simply log in to your Online Account Center to start your transfer. Other Netspend cardholders can use FlashPay to put money into your account as well.

Tax refunds

Putting your tax refund onto your Netspend Card is yet another way to add money to your Card Account. If you are due any tax refunds, you can ask the IRS to electronically deposit[8] your refund into your Netspend Card Account instead of a regular checking account.. Either give your tax preparer your Account number and Routing number or enter this information as requested on your tax return form. 

If you get a paper check back from the IRS, then no worries at all!  Paper checks can be loaded at any reload location[3] or via Mobile Check Load.[9]


Quick and easy transfers with Netspend

Transferring money to your Netspend Card Account can also be done. For fast options, you might want to consider bank transfers[1] or transfers between other Netspend accounts.[7]

For more regular deposits, getting your paycheck or government benefits deposited into your Card Account is a convenient way to add money to your Netspend Card Account. 

To learn more, log in to your Online Account Center to see your options. You can also take a look at your options to send money from your Netspend Card Account in our short guide.

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