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NetSpend

How would you rate NetSpend?
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New Jersey
1 review
1 helpful vote
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Sorry Central
October 13, 2020

I've had Netspend over 5-6 years. Currently... have over 7-9 cards sitting in my dresser. Due to "holds" or "sorry errors" on netspend's end. I've called back multiples times with communication failure between reps. Had "expedited cards" sent out to me for 3-5 business days, which came in the original 7 days. I use netspend to deposit my checks from work. I thought for the convenience of getting paid earlier and less hassle (as advertised). It seems the aggravation of miscommunication and holds being placed for a $36 charge at 7 am is not worth it at all. When in all seriousness I gas up over $40 on a regular. I'm not sure what the error true was behind that hold. I was told another card would again be "expedited" out to me, so I can add this to the collection of wonderful errors I already have. Guess it's my fault for not baking wisely. OoO

Date of experience: October 13, 2020
Eric L. NetSpend Rep
over a year old

We're sorry to hear that you aren't happy with your card services. For assistance, please email us at social@netspend.com.

Thank you,
Netspend

Colorado
1 review
9 helpful votes
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I purchased a card for my nephew who is 15 and he registered the card and then when they asked for his ss number he stopped! So I gave him cash and took the card back and have not been able to activate this card and been on the phone for 3 days trying to get someone to help and it's just a vicious cycle! They hung up on you and transfer you back to the first person... never ever will I purchase one of these NETSPEND Cards again! Reporting as Fraudulent!

Date of experience: January 4, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that.

We ask that users be at least 18 in order to activate our cards. We recommend having the guardian of the minor recipient reach out to us at social@netspend.com for assistance.

Thank you,
Netspend

Pennsylvania
1 review
0 helpful votes
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Horrible
February 1, 2024

I pay the same bills every month, same companies every month and netspend keeps denying my transactions an blocking my card. I have to go through hoops to use my fund. It feels so illegal. Customer service will put me on hold an leave me there, hang up on me, transfer me to random departments. This company is horrible. Time for me to bank somewhere else. I have kids. I dont have time for my money that i worked for to be blocked from using. What if i was stranded or had an emergency an cant access my money. I dont know how this company is still in business. The worst thing about this company is the customer service. Worst experience every single time. Every single person has broken English. Can barely understand them an visa versa. Horrible horrible horrible. 0 stars

Date of experience: February 1, 2024
Eric L. NetSpend Rep
over a year old

We are sorry to hear that you had a bad experience with our customer service. We will be glad to assist you with your concerns. Please reach out to us at social@netspend.com. We will be gladly to assist you with your concerns and resolve the issue.

Kentucky
1 review
0 helpful votes
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Early Payday
October 21, 2022

If you want your money like Netspend advertises "up to 2 days early" you might as well forget it. One week I get paid on Thursday, next on a Friday. This card is inconsistent with deposits. Some weeks I get paid even later than any of my coworkers. Just don't expect early payday with hassel free banking because it isn't going to happen.

Date of experience: October 21, 2022
Eric L. NetSpend Rep
over a year old

Unfortunately, we don't have control over when deposits are sent to us. This means that we aren't able to say when they are going to arrive. Rest assured, we post deposits when we get them. If you have questions about the direct deposit process, please email us at social@netspend.com. We are happy to speak with you.

Thank you,
Netspend

Washington
1 review
2 helpful votes
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I cant believe what had haope to me by not spend. They sent 4 primary cards to other addresses and states. I've called a dozen times and told them to terminate my information. Since then they have gave my personal information to other businesses. I can only imagine my social security number 2as apart of that information. This business should be shut down as soon as possible! Do your research before doing anything. Definitely stay far away from here!

Date of experience: October 1, 2021
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. For assistance, please email social@netspend.com.

Thank you,
Netspend

Pennsylvania
2 reviews
1 helpful vote
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I was visiting family and went into Giant food store asking for gift cards, they sold me NetSpend and the children that I gave these to came back to me saying they couldn't use them to buy their gift so I took them back and they would not give me a refund for the cards, I now have 3 $25.00 cards that I cannot even merge as they say I can using flash pay id. I've just wasted a whole day trying to figure out how to use this as online they don't do split payments at most websites and NetSpend support is next to worthless as it seems there is also a usage charge so the $25 cards are worth $23.50 each after their usage fee of $1.50. I will make sure that this information is spread throughout my area and to all my social media contacts before someone else gets stuck like myself.

Date of experience: December 29, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. We offer prepaid debit cards, not gift cards.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Colorado
2 reviews
3 helpful votes
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I got this as a Christmas present with $100 on it. I activated it. They ask for WAY too much personal information which was weird. My Netspend card was declined at multiple locations on a road trip. I called the phone number on the back of the card which told me me account balance was $0. I spent 15 minutes on their phone system pressing every button to try to get a live person to explain what happened to my money. No live person was an option. I thought I was an isolated case till I read these stories here.
Geez... Do you see a trend? Stay far away.

Date of experience: January 25, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. Netspend offers prepaid debit cards, not gift cards.

Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.

This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification are required before you can use the Card Account.

The fees for using the card and for maintaining the Card Account, including maintenance fees, are fully disclosed in the Cardholder Agreement that was included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.

To speak with us about your experience, please email social@netspend.com.

Thank you,
Netspend

Tennessee
1 review
0 helpful votes
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A big joke
January 30, 2023

If you value ur money don't use net spend. They are liars crooks and thieves. I had fraud on my account where my card was stolen, and used in one state, while I am in a whole different state on the other side of the US. It's physically impossible for me being in two different states at the same time. If I could give them no stars, but it doesn't give that option. Netspend is the biggest joke and thieves out of any prepaid service around. Do not use or get netspend for ur sake, especially if u value ur hard earned money. Cause if u have fraud, u will never see ur hard earned money ever again. Netspend is just as bad as the thieves that stole my card. I will also be contacting BBB, which has more complaints filed against netspend then any other prepaid card services in history.

Date of experience: January 30, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. For questions about the dispute claim, please email social@netspend.com.

Thank you,
Netspend

Texas
1 review
6 helpful votes
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Your money and personal information is not protected with Netspend. Money was stolen from my HEB debit card in the amount of $572.84 by someone out of the country. Netspend is refusing to refund this money until an investigation which could take up to 45 days. During the email exchange with Netspend they sent me another customer's personal information and card account! Do not trust this company!

Date of experience: October 2, 2023
Eric L. NetSpend Rep
over a year old

We are sorry to hear about your issue.

Please email us at social@netspend.com if you are needing assistance.

Thank you,
Netspend

Washington
1 review
2 helpful votes
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They fee you to death
November 28, 2023

Netspend is a horrible card,no matter what you purchase you pay1.95 fee on it even if what you buying costs.75 cents f ing stupid! My wife and I will be promptly cutting up our cards and feeding the shredder! NEVER AGAIN

Date of experience: November 28, 2023
Eric L. NetSpend Rep
over a year old

Sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN transaction or signature/credit transaction there is a fee. We also have a monthly plan that allows for unlimited card purchases. Change your plan at any time through your Online Account Center or with Customer Service.

For questions, please email social@netspend.com.

Thank you,
Netspend

Rhode Island
1 review
2 helpful votes
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This company sucks. I have been trying to contact a live representative for days now and I only get one prompt when I call and it asks me for the card number and the PIN. When I enter this information it says that my pin is not correct. I know for a fact that my pin is correct and I'm starting to get really pissed off now. Instead of resolving this quickly, I had to text help in order for someone to respond. They responded by giving me an email address. I don't want to text them, I don't want to email them I just want to speak to a live human being and stop getting the runaround. Basically the money I put on the card is useless. I will never ever again in my life purchase a card from NetSpend. If you're looking to speak with someone, good luck because I've been trying for days. I do not recommend NetSpend to anyone unless they want to lose their money and get screwed

Date of experience: August 16, 2018
Eric L. NetSpend Rep
over a year old

Hi Christine,

We regret to hear that you have not been able to reach a live representative over the phone. Most options will transfer you to an agent, or you can report that you do not have your card to be transferred. However, please email social@netspend.com and we will have someone from our main office contact you.

Thank you,

Netspend

California
1 review
4 helpful votes
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I filed a dispute because someone took money out of Mt account and the denied my claim trust me your money isn't save here the policy says they will give previsonal credit but they lie look them up on Google there's already claims and lawsuits I will be bringing this to a higher up attention IL going to take action... scams!

Date of experience: July 18, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. To speak with us about the dispute claim, please email social@netspend.com.

Thank you,
Netspend

North Carolina
1 review
0 helpful votes
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I found a prepaid debit card in my 15 year old's room. First the store never should have sold to him because he was underage but that is a different battle.

Tried to get balance online and of course couldn't. Called the *******363 on the back and got 2 different people who could not and would not give me the balance because I couldn't provide them with a social security number and told me my 15 year old son would have to call them back. He doesn't know his SS# and I told them that. All I wanted to know is what the balance is on the card. I asked to be escalated and talked with someone different who asked me about 10 different questions and still said she couldn't give me the info. Such BS.

Date of experience: August 30, 2021
Eric L. NetSpend Rep
over a year old

Hello,

We are sorry to hear that.

We ask that users be at least 18 in order to activate our cards. If not, then we offer several options. For assistance, please email social@netspend.com.

Thank you,
Netspend

Maryland
1 review
5 helpful votes
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This is the second time in two weeks this company allow unauthorized money to be taken from my account. The first time it was 875.00. I explained I'm a cancer patient I need my money back. Then I had to wait 10 days. Received a call from fraud
department stating someone order another card
and they will block it. They attached this card to my account and someone was able to take out 303.00. You can call the non English speaker don't understand. Have no numbers to fraud department or headquarters. Get rid of this CARD! Try Chime Card.

Date of experience: July 13, 2021
Eric L. NetSpend Rep
over a year old

Hi,

We'd like to look into this. Please email us at social@netspend.com.

Thank you,
Netspend

Illinois
1 review
1 helpful vote
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-458.00
August 4, 2020

Amazingly my account is overdrawn almost 500.00. A merchant swiped my card that came up declined. I then paid with cash but it was pending on my account for 8 days. I then called customer service and the charge was reversed. Now somehow I'm overdrawn. I have no idea how that was even allowed when the charge was reversed after being told from the merchant it didn't go through. Now I have no money and what's in my savings, I have no access to. Unbelievable. I normally enjoy my NetSpend but this is one of many reasons why I have to let them go. Fix it NetSpend. My regular account doesn't even overdraw for a figure that high.

Date of experience: August 4, 2020
Florida
1 review
4 helpful votes
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Fraud
December 24, 2022

Bought a netspend at Walgreens. It was very difficult to activate and they asked many personal questions including your personal social security number. I stopped when it got to the social security number as this is very risky. They put me on hold and said, someone would be right with me. After 15 minutes no one came and I hung up. I got a charge on my phone bill for the 15 minutes. This is a sham operation!

Date of experience: December 24, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear that you weren't able to complete the activation process for your Netspend prepaid debit card.

Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.

This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information.

If you are still needing assistance, please email us at social@netspend.com.

Thank you,
Netspend

California
1 review
7 helpful votes
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SCAM
June 12, 2020

What a scam this company is. I received a card a gift that looks like a visa debit. Apparently, you have so many many days to set up an account with them or the card expires, even though the card says it is good through 9/22 They were 'gracious' enough to offer to send me a new card with no balance. LOL. This company is a SCAM and I am going to report them to whomever regulates them.

Date of experience: June 12, 2020
Indiana
1 review
0 helpful votes
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Netspend is biased
September 24, 2020

Netspend contacted me to ask if a charge on my card was fraudulent. Great right? Until they closed my account the day before my direct deposit was supposed to be deposited. Leaving me with NO access to my money until they could send me another card in 3-4 days. Then put me through the wringer with several security questions and public record questions. Long story short, still waiting for my new card and no access to my money.

Date of experience: September 23, 2020
Maryland
1 review
0 helpful votes
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I bought my daughter a card and put a $150 on it. She tried to use it and it declined. She emailed the company and they said that there are restrictions on the account and you can't resolve it through email. So she called. They hung up on her. How do you get something resolved when you can't make contact.? So very frustrating. So very sorry I spent $150 on this card. I bought another one for my other daughter and hers declined as well. So now I am out $300 because there is no way to resolve issues. This is theft.

Date of experience: December 27, 2022
Eric L. NetSpend Rep
over a year old

We are sorry to hear that.

We ask that users be at least 18 in order to activate our cards. Please have the cardholders email us at social@netspend.com so we can assist.

Thank you,
Netspend

Florida
1 review
3 helpful votes
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I had a deposit that was sent under my business name to my Netspend account. I called to get the money sent back to the sender and the customer service did not get my name right and I gave home my card number (8) times and he still got it wrong. He did not speak English properly and would not put a supervisor on the phone, in the end he hung up on me. Now they still have not sent the money back and it payroll money and they went from a (2) day turn around to (6) days! Now I'm still on hold cause this customer service person just has me on hold when I asked for a supervisor and it's been a hour. I think they are very unprofessional and I will not trust them anymore with my money. They have customer service people work from an other country that can't speak English and properly stealing your personal information for all we know!

Don't use them! Don't use them! Don't use them!

Still on holed!

John S
Brandon, Fl.

Date of experience: August 18, 2022
Eric L. NetSpend Rep
over a year old

Hi, we're sorry to hear about your experience. Please send an email to social@netspend.com. We will be glad to assist you.

Overview

NetSpend has a rating of 1.4 stars from 435 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with NetSpend most frequently mention customer service, social security and debit card. NetSpend ranks 15th among Debit Card sites.

service
212
value
208
shipping
37
returns
41
quality
199
This company responds to reviews on average within 1 day
+82