How to Add Money to a Prepaid Card

We give easy ways to add money to your card account.

Set up free Direct Deposit, visit a participating convenience store, including any in your neighborhood, and more.
Your Money + NetSpend Prepaid Card

Direct Deposit

Get paid up to 2 days faster!1

Direct Deposit is the easy and free way to add money to your NetSpend Prepaid Debit Card. It eliminates the hassles of cashing checks:

  • NO fees to cash or load direct deposited checks
  • NO paper check, so NO risk of losing it
  • NO need to wait in line at a check-cashing store or a bank
  • NO fear of losing your cash or having it stolen

Plus, after you make at least $500 in Direct Deposits in one calendar month, you qualify for FREE upgrade to a NetSpend Premier® Prepaid Card.


Set up free Direct Deposit for:

  • Paychecks
  • Tax Refunds
  • Pension and other regular payments

Learn more about Direct Deposit

NetSpend Reload Network Locations

NetSpend Reload Network Locations

Add cash or checks to your NetSpend card account at any of more than 100,000 locations, including:
  • Grocery stores
  • Gas stations
  • Check cashing stores
  • MoneyGram® agents
  • Western Union® agents

Our Reload Center Locator helps you find the lowest cost locations nearest you.

Learn more about our NetSpend Reload Locations

Bank Account Transfers

Add money from virtually any U.S.-issued bank account

If you have a checking or savings account or a bank debit card, use it to add money to your NetSpend card account.

  • Add money from most checking and savings accounts, or from any debit card with the Visa® or MasterCard® logo
  • Invite friends or family to add funds to your card account from their bank accounts

Choose from two ways to transfer money: INSTANT Bank Transfers or FREE bank transfers.

Log in to learn more about bank transfers.

PayPal® Transfers

Use PayPal® to load money to your card for FREE

Transferring funds to a NetSpend Prepaid Debit Card is easy and free when you use PayPal.

  • Use PayPal to send money to your NetSpend card
  • Friends or family can send funds to you from their bank accounts

The money is normally available within 2 to 3 business days when you use this method.

Log in to learn more about PayPal® transfers.

NetSpend Card Account Transfers

It's simple to transfer money from one NetSpend card account to another
  • Transfer money between your own NetSpend card accounts
  • Transfer money to other NetSpend cardholders or have them pay you
  • Transferring money online is free. Transferring money using the NetSpend toll-free automated phone service costs $1.00.

Log in to learn more about NetSpend Card Account transfers.

NetSpend Reload Pack

NetSpend Reload Packs

Convenient for adding money when you don't have your card with you

NetSpend Reload Packs are available at many retail locations. They're the perfect solution:

  • When you don't have your card with you
  • If you want to load money to someone else's NetSpend card
  • Find a retailer near you that sells NetSpend Reload Packs

Log in to learn more about NetSpend Reload Packs.

Tax Refunds

Get tax refunds faster1

Want to get your refund as quickly as possible? Tell the IRS to electronically deposit your refund directly to your NetSpend card account.

  • It's Fast: Direct Deposit gets your refund to you much sooner than having a paper check mailed to you.
  • It's Secure: The U.S. Post Office returns thousands of refund checks to the IRS as undeliverable mail. Direct Deposit ensures you'll receive your refund.
  • It's Convenient: Your tax refund goes directly into your NetSpend card account. You don't have to make a special trip to the check-cashing store or bank.
  • It's Easy: Follow the simple refund delivery instructions when completing your tax return.
  • It's Free: Direct Deposit is FREE.

Learn more

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FDIC MasterCard VISA Click for the Business Review of prepaid debit card provider, NetSpend Corporation.

1 Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit.

The NetSpend Visa Prepaid Card is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by MasterCard International Incorporated. The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. NetSpend, a TSYS® Company, is a registered agent of The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company. The NetSpend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The NetSpend Prepaid MasterCard may be used everywhere Debit MasterCard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2015 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.