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NetSpend Visa Prepaid Card faq
NetSpend
Frequently Asked Questions.

Questions

  1. What do I need to get the NetSpend Visa® Prepaid Card? What are the requirements?
  2. How is the NetSpend Visa Prepaid Card different from a credit card?
  3. Where do I get the NetSpend Visa Prepaid Card?
  4. How long does it take to receive my NetSpend Visa Prepaid Card in the mail?
  5. How do I load money onto my NetSpend Visa Prepaid Card?
  6. What is the maximum/minimum that I can load onto my NetSpend Visa Prepaid Card?
  7. If I lose my NetSpend Visa Prepaid Card or NetSpend Cash Card, can someone use it at an ATM?
  8. What can I buy using my NetSpend Visa Prepaid Card?
  9. How do I check my balance?
  10. What if I don't agree with my available balance?
  11. Can I pay at the pump for gasoline?
  12. What if one of the posted transactions on my account is illegitimate?
  13. What is the minimum balance required to rent a car?
  14. What is a PIN?
  15. Can I change my password/PIN?
  16. What if I forget my password/PIN?
  17. What are the fees for using my NetSpend Visa Prepaid Card?
  18. My NetSpend Visa Prepaid Card or NetSpend Cash Card was stolen. What do I do now?
  19. What are the system requirements for accessing my account via the NetSpend website?
  20. Can I close my account and withdraw my money?
  21. What are your telephone Customer Service hours?
  22. Can I rent a car with my NetSpend Visa Prepaid Card?
  23. Where can I use my temporary NetSpend Cash Card?
  24. Can my NetSpend Visa Prepaid Card be sent to a PO Box?
  25. Can I use my NetSpend Visa Prepaid Card for Hotel Reservations and payment?
  1. What do I need to get the NetSpend Visa® Prepaid Card? What are the requirements?

    Getting the NetSpend Visa Prepaid Card is easy. Go to one of our distributors, where we will verify your name, address, telephone number and collect the one-time fulfillment fee. There is no credit check or application. You are already accepted! Due to newly adopted government regulations, all customers are also required to provide their date of birth and one form of government ID to activate a NetSpend Card. All U.S. citizens must provide their Social Security Number as the form of government ID. Non-U.S. citizens can provide an alternative form of ID, such as a Driver's License, Passport, Alien Registration, etc.  » top
  2. How is the NetSpend Visa Prepaid Card different from a credit card?

    The NetSpend Visa Prepaid Card is prepaid, which means it is completely powered by your cash. The money you have in your NetSpend Visa Prepaid Card account is the money you have to spend.  » top
  3. Where do I get the NetSpend Visa Prepaid Card?

    Visit this page to find the authorized distributors near you.  » top
  4. How long does it take to receive my NetSpend Visa Prepaid Card in the mail?

    You will receive your NetSpend Visa Prepaid Card in about 10 business days. Meanwhile, you may use your NetSpend Cash Card to access your money at more than one million ATMs worldwide.  » top
  5. How do I load money onto my NetSpend Visa Prepaid Card?

    You may load your NetSpend Visa Prepaid Card at any of our authorized distributor locations. Visit this page for more information. Funds are posted to your account within 30 minutes.  » top
  6. What is the maximum/minimum that I can load onto my NetSpend Visa Prepaid Card?

    Maximum and minimum loads may vary according to Card type and location. Please call Customer Service at 1-866-930-9924 for more details.  » top
  7. If I lose my NetSpend Visa Prepaid Card or NetSpend Cash Card, can someone use it at an ATM?

    The only way someone else could use your Card at the ATM would be if they knew your PIN. Never write your current PIN on your NetSpend Visa Prepaid Card or NetSpend Cash Card. Call us immediately to report a lost or stolen Card at 1-866-930-9924. You can also report your Card lost or stolen online once you are logged into your “Account Center.”  » top
  8. What can I buy using my NetSpend Visa Prepaid Card?

    You can purchase anything you want, as long as the merchant accepts Cards and all merchant conditions are met. You can make purchases at more than 21 million merchants, on the Internet, or over the telephone. You must be at least 18 years of age to purchase adult content.  » top
  9. How do I check my balance?

    You may check your balance online for free, through our automated phone system, or by talking to one of our friendly Customer Service Agents, in English or in Spanish. A fee is assessed for balance inquiries via our automated phone system or through a live agent. Should you choose to access your balance online, you will need a username and password. You can obtain a username and password for free online or through our automated phone system once you purchase your NetSpend Visa Prepaid Card.  » top
  10. What if I don't agree with my available balance?

    You can review posted transactions online for any discrepancies. If a problem exists, please keep in mind that your account may have pending authorizations that should be complete as soon as the merchant settles on the transaction. For instance, if you purchase gas and the merchant runs the NetSpend Visa Prepaid Card for $55, NetSpend will hold this amount for the merchant. If the total purchase comes to $30, the merchant will complete the transaction by collecting on the $30. The remaining $25 will be released back to your account.  » top
  11. Can I pay at the pump for gasoline?

    Yes. You will need to have a minimum available balance of $55 to $100. If you purchase gas at the pump and the merchant obtains an authorization for $55, NetSpend will hold this amount for the merchant. If the total purchase comes to $30, the merchant will complete the transaction by collecting on the $30. The remaining $25 will be released back into your account.  » top
  12. What if one of the posted transactions on my account is illegitimate?

    Please contact the merchant and verify that the purchase is not legitimate. If this is the case, request that the merchant reverse the transaction and credit your account with the funds. If the merchant does not cooperate, please call 1-866-930-9924 for further assistance.  » top
  13. What is the minimum balance required to rent a car?

    You need at least 15% above the authorized security deposit amount to rent a car.  » top
  14. What is a PIN?

    A Personal Identification Number (PIN) allows you to access your funds so you can withdraw cash at an ATM. To perform such a transaction you must select debit card or checking account at the ATM console.  » top
  15. Can I change my password/PIN?

    Yes. You can change your password/PIN through our website at www.netspend.com or by calling us at 1-866-930-9924 and using either the automated system or speaking to a live agent.  » top
  16. What if I forget my password/PIN?

    Just call Customer Service toll free at 1-866-930-9924 and we will assist you in creating a new password/PIN.  » top
  17. What are the fees for using my NetSpend Visa Prepaid Card?

    Here's a complete schedule of NetSpend fees: Fees Related to the Service:

    *Refunds are at par. None of the fees listed are assessed by The Bancorp Bank, MetaBank, or the Card Association. International ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.

    Pay-As-You-Go Customers
    Signature Purchase Convenience Fee $1.00
    PIN Purchase Convenience Fee $2.00
    Card Fulfillment (Shipping & Handling) FREE
    Fee Advantage Customers
    Monthly Service Fee $9.95, billed on cardholder"s cycle date
    Signature Purchase Convenience Fee FREE
    PIN Purchase Convenience Fee FREE
    Card Fulfillment (Shipping & Handling) FREE
    Other Fees
    Adding or withdrawing funds to your account at local distributors Convenience fee determined by distributor
    Non-Monetary Transactions -- Via Internet FREE
    Non-Monetary Transactions -- Via Toll Free Number Up to $0.50
    Non-Monetary Transactions -- at ATM Up to $0.50
    Account Maintenance (waived if account has debit or credit transaction and/or balance inquiry within 90 days) $5.95 per month
    Check or Additional Statement Mailing Fee $5.95
    Domestic ATM Cash Withdrawal / Cash Withdrawal at Distributor Up to $2.00 per withdrawal, plus ATM owner fees, if any
    International ATM Cash Withdrawal $4.95 per withdrawal plus ATM owner fees, if any
    Lost or Stolen Card Replacement Fee Up to $9.95

      » top
  18. My NetSpend Visa Prepaid Card or NetSpend Cash Card was stolen. What do I do now?

    Please be sure to call 1-866-930-9924 immediately to report your Card lost or stolen. You can also report your Card lost or stolen online once you are logged into your “Account Center.”  » top
  19. What are the system requirements for accessing my account via the NetSpend website?

    You will need to use Netscape 6.0 or higher, IE 5.0 or higher, or AOL 5.0 or higher. If you have any versions prior to these, you will need to upgrade your current browser.  » top
  20. Can I close my account and withdraw my money?

    Yes. The easiest and quickest way to do this is to withdraw your money at an ATM. You can also request the funds be sent to you via check. To do this, call us at 1-866-930-9924 or simply log-in to your “Account Center” online and click on “Close Your Account.” Once you verify your personal information, a check will be sent to you within 3 to 4 weeks. The fee for this is $5.95.  » top
  21. What are your telephone Customer Service hours?

    You may reach a helpful Customer Service Agent at 1-866-930-9924 between 8AM-10PM CT, Monday through Friday, and 8AM-8PM CT, Saturday and Sunday.  » top
  22. Can I rent a car with my NetSpend Visa Prepaid Card?

    Yes. However, not all car rental agencies accept the NetSpend Visa Prepaid Card. When renting a car, an additional 15% does get added with your rental security deposit.  » top
  23. Where can I use my temporary NetSpend Cash Card?

    Your temporary NetSpend Card can be used for cash withdrawals at ATM machines or as a Prepaid Card anywhere Cirrus is accepted and you can enter your four-digit PIN. Payments via the Card are possible at most gas stations, grocery stores and restaurants.  » top
  24. Can my NetSpend Visa Prepaid Card be sent to a PO Box?

    No. Due to newly adopted regulatory policies and procedures, NetSpend Visa Prepaid Cards must be sent to a physical address.  » top
  25. Can I use my NetSpend Visa Prepaid Card for Hotel Reservations and payment?

    Yes.  » top

1 NetSpend Prepaid Debit Cards are issued by BofI Federal Bank, The Bancorp Bank or MetaBank, Member FDIC. (Please see back of card for your issuing bank.) NetSpend is an authorized Independent Sales Organization ("ISO") of BofI Federal Bank, The Bancorp Bank and MetaBank. Subject to funds availability. Transaction fees, terms and conditions apply. All trademarks, service marks and registered marks are the properties of their respective owners. *100% approval of card requests is based on the ability of NetSpend to verify personal information provided.