Fee Plans

Prepaid Card Costs

No interest charges or late fees because this is not a credit card.[1]

Card usage is subject to card activation and identity verification.[2]

We’ve created three great plans, targeted to the way you use your card, with no surprises.

Please note: These fees apply to new Netspend Prepaid Cards requested through this Web site. The fees associated with other cards currently used by our cardholders may be different. To see the fees associated with your Card Account, log in to the Online Account Center.

Basic Fees

Plan Fee Signature Purchase Transaction Fee PIN Purchase Transaction Fee Foreign Transaction Surcharge
Pay-As-You-Go Plan[3] No Fee $1.00 each $2.00 each 3.5% of the U.S. Dollar amount of the purchase transaction, charged in addition to the Signature Purchase Transaction Fee or PIN Purchase Transaction Fee.
FeeAdvantageTM Plan $9.95 per month Included in Plan Included in Plan 3.5% of the U.S. Dollar amount of the purchase transaction
Netspend Premier® FeeAdvantageTM Plan[4] $5.00 per month Included in Plan Included in Plan 3.5% of the U.S. Dollar amount of the purchase transaction
Plan Fee Signature Purchase Transaction Fee PIN Purchase Transaction Fee Foreign Transaction Surcharge
Pay-As-You-Go Plan[3] No Fee $1.00 each $2.00 each 3.5% of the U.S. Dollar amount of the purchase transaction, charged in addition to the Signature Purchase Transaction Fee or PIN Purchase Transaction Fee.
FeeAdvantageTM Plan $9.95 per month Included in Plan Included in Plan 3.5% of the U.S. Dollar amount of the purchase transaction
Netspend Premier® FeeAdvantageTM Plan[4] $5.00 per month Included in Plan Included in Plan 3.5% of the U.S. Dollar amount of the purchase transaction

Cash Withdrawal

Item Fee
Over the Counter Cash Withdrawal Fee at a financial institution (OTC Withdrawal Fee) $2.50 per withdrawal, plus the Foreign Transaction Surcharge, if applicable. A fee may also be assessed by a financial institution that is not a Visa member financial institution.
Over the Counter Cash Withdrawal Fee at a Netspend Reload Network location (OTC Withdrawal Fee – Reload Network) Fee may be assessed by reload location and may vary from location to location. Service not available in all reload locations. This is a third party fee, not assessed by Bank.
ATM Cash Withdrawal Fee - Domestic $2.50 per withdrawal, plus third party ATM operator fees, if any.
ATM Cash Withdrawal Fee - International $4.95 per withdrawal, plus the Foreign Transaction Surcharge, and third party ATM operator fees, if any.
Foreign Transaction Surcharge 3.5% of the U.S. Dollar amount of the cash withdrawal, charged in addition to the ATM Cash Withdrawal Fee - International.
ATM Transaction Decline Fee – Domestic $1.00 each
ATM Transaction Decline Fee – International $1.00 each

Adding Money

Item Fee
Direct Deposit Fee No fee
Cash Value Load Fee - Netspend Reload Network location Fee may be assessed by reload location and may vary from location to location. This is a third party fee, not assessed by Bank.
Funds Transfer Fee Visit your online Account Center to learn how to transfer funds between your Card and a bank account or third party. You can see a full range of options and applicable fees in your online Account Center. Depending on the transfer service you select, a fee may be assessed to your Card Account or to the transferor. The fee may be determined by a variety of factors set by the service provider, such as speed, amount, or destination. Some of the fees are assessed by third parties or the originating bank, and are not assessed by Bank.
Mobile Check Load Fee Fees are determined and may be assessed by the Mobile Check Load service provider. Standard text message or data rates may also apply. This is a third party fee, not assessed by Bank.
Account-to-Account Transfer Fee - website No Fee
Account-to-Account Transfer Fee - CS agent $4.95 each transfer conducted through a Customer Service (CS) agent

Checking Your Balance

Item Fee
Balance Inquiry Fee – Online Account Center No Fee
Balance Inquiry Fee – Email or Text Message No Fee; standard text message or data rates may apply
Balance Inquiry Fee – Telephone Automated Service $0.50 each
Balance Inquiry Fee – Telephone Automated Service - Netspend Premier FeeAdvantage Plan No Fee
Balance Inquiry Fee – CS agent $0.50 each inquiry conducted through a Customer Service (CS) agent
Balance Inquiry Fee – ATM Domestic $0.50 each, plus third party ATM operator fees, if any.
Balance Inquiry Fee – ATM International $0.50 each, plus third party ATM operator fees, if any.

Managing Your Account

Item Fee
Check Request Fee $5.95 each (purpose of check is to return funds to you)
Additional Statement Mailing Fee $5.95 each
Additional Card Fee $9.95 each Secondary Card requested
Replacement Card Fee $9.95 each lost, stolen, or damaged card replacement requested
Card Delivery Fee – 7-10 Business Days No Fee
Card Delivery Fee – 3 Business Days $20.00, assessed when processed (Charged in addition to the Additional Card Fee or Replacement Card Fee)
Card Delivery Fee – 1-2 Business Days $25.00, assessed when processed (Charged in addition to the Additional Card Fee or Replacement Card Fee)
Account Maintenance Fee (also referred to as the Account Inactivity Fee) $5.95 per month (Fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days.) If enrolled in any FeeAdvantage Plan and your Card Account has had no activity as described above, this fee applies instead of the Plan Fee.
Overdraft Protection Service Fee (This optional service has Cardholder activation and eligibility requirements.) $15.00 per Overdraft occurrence (maximum of 3 fees per calendar month).

Making Payments

Item Fee
Bill Payment Fee You can see a full range of options, including ACH Debit/Preauthorized Payment Transactions, in your online Account Center. Depending on the bill payment service you select, a fee may be assessed to your Card Account and will be disclosed to you prior to use of the service. Certain fees are determined and assessed by third-party service providers.
ACH Debit/ Preauthorized Payment Transaction Decline Fee $1.00 for each such declined transaction.
Stop Payment Fee for ACH Debit/Preauthorized Payment Transactions $10.00 each

Optional Features

Item Fee
Custom Card Fee $4.95 per custom card, if available.[5]

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