Choose the reload option that works best for you.

Speedway Locations

Convenient Speedway locations make reloading your card easy.

Add money to your reloadable prepaid card at any Speedway location or at more than 100,000 NetSpend Reload Network locations nationwide-just look for the reload icon you see here. (Fees may apply.)

Find a Speedway location near you

Direct Deposit

Get paid up to 2 days faster!1

Direct Deposit is the free2 and easy way to add money to your NetSpend Prepaid Card.

Learn more about Direct Deposit

Plus, direct deposit $500 or more in payroll or government benefits to your NetSpend Prepaid Card in one calendar month and you're eligible for a no-cost Speedy Select upgrade.

Learn more about Speedy Select

Mobile Check Load

Load checks to your NetSpend Prepaid Card in minutes with your mobile device using the NetSpend Mobile App.3 With just the snap of a picture, you can load checks to your account quickly, securely and at your convenience anytime from anywhere. And, once the card is funded, the money is yours to spend.

Get started today!

  1. Download the NetSpend Mobile App4
  2. Select "Load a Check" from the left menu
  3. Follow the on-screen instructions

Download for Android Download for iOS

Bank Account Transfers

Add money from virtually any U.S.-issued bank account5

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® brand mark
  • Friends or family can add funds to your Card Account from their bank accounts

Choose from 2 ways to transfer money: INSTANT bank transfers (fee applies) or no-cost transfers.5 Funds are typically available within 2 to 3 business days when you use the no-cost transfer method.

Log in to learn more about bank transfers

PayPal® Transfers

Use PayPal® to add money to your card, the no fee alternative.5

Transferring funds to a NetSpend Prepaid Debit Card is easy when you use PayPal.

  • Use PayPal to send money to your NetSpend Card Account.
  • Friends or family can send funds to you from their bank accounts

Funds are typically available within 2 to 3 business days when you use this method.

Log in to learn more about PayPal® transfers

Share Money

It's simple to share money from one NetSpend Card Account to another5
  • Share money between your own NetSpend Card Accounts
  • Share money with other NetSpend cardholders and they can share money with you.
  • Sharing money using your online Account Center is free.5

Log in to learn more about how to share money with your NetSpend Card Account

Tax Refunds

Get your tax refund faster6 with Direct Deposit

Want to receive 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 Free:2 There is no fee for direct deposit.2

Learn more

FDIC MasterCard VISA Better Business Bureau

1 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.

2 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.

3 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.

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

5 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.

6 Tax refund timing is based on IRS estimate. For up-to-date information from the IRS, visit State tax refund times vary.

The NetSpend Visa Prepaid Card is issued by MetaBank; Member FDIC, pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by MetaBank; Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend, a TSYS® Company, is an authorized Independent Sales Organization of MetaBank. 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 the Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

© 2015 Total System Services, Inc.® All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.