Using Your Prepaid Card
You can rely on the worldwide acceptance and strength of the MasterCard® and Visa® brands
Once money has been added to your NetSpend Prepaid Debit Card, it's ready for use at any of the millions of locations - anywhere Debit MasterCard® and Visa® debit cards are accepted.
In Stores, Online, or Over the Phone
Pay for everyday purchases using your NetSpend card anywhere MasterCard and Visa debit cards are accepted.
When you are at a store, you should have the option to choose 'credit' versus 'debit.'
If you choose 'credit:'
The cashier will swipe your card and ask you for your signature
- If you are on the Pay-As-You-Go plan, the transaction fee for the purchase will be $1.00. Funds will be deducted directly from your card account balance to pay for the transaction.
- If you are on our FeeAdvantage Plan you will not pay this $1.00 fee per purchase transaction.
If you choose 'debit:'
You will be asked to enter your 4 digit Personal Identification Number ('PIN').
- If you are on the Pay-As-You-Go plan, the transaction fee for the purchase will be $2.00. Funds will be deducted directly from your card account balance to pay for the transaction.
- If you are on our FeeAdvantage Plan you will not pay this $2.00 fee per purchase transaction.
If you are making a purchase, and the merchant offers the cash back option, you can withdraw cash from your card account and avoid withdrawing cash at an ATM.
Choose 'debit' and use your PIN for the purchase transaction.
The merchant will give you the cash amount you choose.
The fee for this transaction will be $2.00 if you are on the Pay-As-You-Go fee plan. There will be no fee for this transaction if you are on our FeeAdvantage Plan.
Get Cash at ATMs
If you've never used an ATM, just follow the steps below:
Insert your NetSpend card into the ATM. Look for a picture showing which way the card should face.
Choose your preferred language from the list displayed on the screen.
Using the numbered keypad, enter your Personal Identification Number ('PIN') and press Enter.
You'll see a message stating how much the ATM operator's fee is. You'll be asked if you want to continue or cancel the transaction.
When asked what kind of transaction you want, select Withdrawal.
When asked what kind of account you wish to use, select Checking.
Select the amount of money you'd like to withdraw.
Most machines return your card before dispensing cash. Take your card.
Take the cash from the machine.
Be sure to take both your ATM receipt and your card.
NetSpend charges a $2.50 fee for each withdrawal.This is in addition to any ATM operator fees, which vary by ATM.
Pay your utility bills, rent, car loan - even pay a friend - using any of our fast and secure online Bill Pay services. Using these services is:
- Easy: Online directions walk you through the steps to pay a bill
- Convenient: No more writing checks or standing in line for money orders, and no more stamps and associated mailing costs
- Safe: Your money is sent electronically using the highest level of security
- Flexible: You decide which bill pay option works best for you
We give you different ways to pay your bills online, depending on how and when you need to pay.
Your NetSpend card can be used to buy gas. We recommend you pay inside the gas station by telling the cashier how much you want to spend. If you pay for your gas at the pump, gas stations frequently preauthorize a transaction, which means they place a hold on the funds in your card account until they know the final amount owed.
Rent a Car
You can use a NetSpend card at car rental agencies that accept prepaid cards. However, they usually require a deposit of 15 percent more than the cost of renting the car. The rental agency will put an extra hold on the account for that amount of money, and the hold could last for a couple of weeks. It is suggested that you call the car rental agency to inquire about how much they require for a standard deposit if paying with a prepaid card and how long a typical authorization hold on a prepaid card will last.
Reserve a Hotel Room
You can use a NetSpend card at select hotels that accept prepaid cards to make a room reservation. However, you should expect the hotel to place a hold on your card. The hold will cover the hotel room rate plus an additional 15 percent and the funds will be held until the hotel settles the transaction. A typical hotel authorization hold could be released the day of checkout, or the hold could take up to several weeks to be settled and released. It is suggested that you call the hotel to inquire how much a typical authorization hold is for hotel rooms if paying with a prepaid card and how long a typical authorization hold on a prepaid card will last.Learn more about reserving hotel rooms.
Send Money to Family and Friends
Transfer money from your NetSpend card to your family or friends who also have NetSpend cards. The most popular way to do this is by using the online Account Center. You will need the recipient's account number, card number or username. Plus, soon many cardholders will be able to transfer money to friends, even if they aren't a NetSpend cardholder!