Your Money. Your Way.

Money can be tricky sometimes, but it doesn’t have to be. With a Netspend® Visa® Prepaid Card and Netspend® Prepaid Mastercard® you choose the options that fit your life best, giving you the freedom and control to do your banking your way. Your life’s not like everyone else's, so why should your money be?

Card usage is subject to card activation and identity verification.

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.

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.

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

Add money.

Cashing a check can be such a hassle. Make life more convenient and get your money into your Netspend account quickly, without lifting a finger.

One way is with Direct Deposit, and your paycheck or government benefits can be in your Card Account up to two days faster.[1]

You can add cash or paper checks, too. Skip the line completely and load checks directly from your mobile phone in minutes with Mobile Check Load.[2] Or stop by one of over 130,000+ convenient Reload Locations nationwide to add cash or checks in person.[3]

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.

Go shopping, pay bills, and more.

You got this. With a Netspend Prepaid Card, you can enjoy the freedom to handle your family finances all from one account.

You can shop anywhere–from stocking up the fridge to topping off the gas tank. Or pay your bills online to help you avoid those surprise or late bills. You can even withdraw cash from ATMs[4] or at the register, and send money directly to family to take care of what matters most.[5]

See all features

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

The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.

Stay in control.

It can be hard to see where your money went, but with your Netspend Prepaid Card, you can easily keep track of every dime.

You can access your account on-the-go with our Mobile App[6] or at home through the Online Account Center. Or if you just need a quick update, sign up for Anytime Alerts and get text messages[6] for things like when your paycheck is in your account.

Oh, and we know we all get off track occasionally. So, if you’re ever a little short on money, you don’t have to worry. With our Purchase Cushion, we may cover you up to $10 on a purchase.[7] (Available on Netspend Premier Cards, only)

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

Get the Card that fits you.

Ready to bank your way? Order a card now and receive it within 7-10 business days.

  • No credit check[8]
  • No minimum balance
  • No activation fee

Card usage is subject to card activation and identity verification.

More than just a Card.

Cash back, rewards, and peace of mind all in one card?  Yes, yes, and yes.

Get Something Back

Earn cash back on many of your everyday purchases when you shop with Payback Rewards.[9]

Get paid interest with a no-minimum 5.00% APY Savings Account.[10]

Refer a Friend to Netspend and get a $20 bonus for every friend that adds $40 to their card.[11]

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

The Savings Account is made available to Cardholders through The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company; Members FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.
  • If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of May 7, 2020. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company, Members FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00.

 A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, Netspend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder’s knowledge of referred person establishing an account with us. The Bancorp Bank, MetaBank®, National Association, and Republic Bank and Trust are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program.

Peace of Mind

Create a unique card design or add your photo with Custom Cards.[12]

Create a temporary Virtual Card to keep your account number private when you shop online.[13]

Get a text message alert when money goes in or out of your account with Anytime Alerts.[6]

Custom Card Fee required. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee; or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account Center for details.

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

Ready to change the way you pay?

Order a Card today, and you’ll receive it in the mail within 7-10 business days.