How to Add Money to a Prepaid Card

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

Set up Direct Deposit at no cost, 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 no cost way to add money to your NetSpend Prepaid Debit Card. It eliminates the hassles of cashing checks1:

  • 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 of payroll or government benefits in one calendar month, you qualify for an upgrade at no cost to a NetSpend Premier® Prepaid Card.

Set up 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 locations2, 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 account3

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 no cost bank transfers.

Log in to learn more about bank transfers.

PayPal® Transfers

Use PayPal® to load money to your card at no cost3

Transferring funds to a NetSpend Prepaid Debit Card is easy with no fees 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 Reload Network Locations

Mobile Check Load

Load checks to your card in minutes with your phone!4

Using the NetSpend Mobile App, you can now load checks straight to your account – it's as easy as taking a picture!

Learn more about Mobile Check Load.

NetSpend Card Account Transfers

It's simple to transfer money from one NetSpend card account to another3
  • Transfer money between your own NetSpend Card Accounts
  • Transfer money to other NetSpend cardholders or have them pay you
  • Transfer money online at no cost. Transferring money using the NetSpend toll-free automated phone service costs $1.00.

Log in to learn more about NetSpend Card Account transfers.

Tax Refunds

Get tax refunds fast4

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 No-Cost Direct Deposit has no fees.1

Learn more

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1 No fee for direct deposit services, but there may be a cost when reloading card at retail locations or via bank fund transfer. See your Cardholder Agreement or Online Account Center for details.

2 Fee may be assessed by reload location and may vary from location to location.

3 Fees for bank transfers are determined by the transferor's bank and may be changed 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.

4 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.

5 Faster access to funds is based on comparison of NetSpend's immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.

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

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.

© 2016 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.