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NetSpend

How would you rate NetSpend?
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Massachusetts
1 review
0 helpful votes
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Worst debit card ever!
November 20, 2020

This debit card be taking money all the time off your card. They charge for everything! And this is why is the worst debit card to have. Is funny hoe I can put 20 dollars and they be taking almost all my money out. Bunch of greedy asses they should take this whole company down!

Date of experience: November 20, 2020
Eric L. NetSpend Rep
over a year old

We're sorry to hear that you are unhappy with your card services. It sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN or signature/credit transaction there is a fee. We also offer a monthly plan that allows for unlimited purchases. You can change you fee plan at any time through your Online Account Center. If you need additional assistance, please email us at social@netspend.com.

Oregon
1 review
2 helpful votes
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Terrible
December 19, 2016

Got a gift card and used it once. A website tried to take my money while there was none on it and then NetSpend didn't decline it. I reloaded my card with 50 dollars on it and then had -2 dollars when I went to use it. Then I called them to complain and blamed me. Terrible. Never use this credit card company. It will scam you big time and you will never get your money back! I am not satisfied ONE BIT!

Date of experience: December 19, 2016
Eric L. NetSpend Rep
over a year old

Hi Jeanne,

We regret to hear about your recent experience with our service. We do not offer gift cards, but reloadable prepaid debit cards. We would like to research why your balance was negative and request that you email us at social@netspend.com. We will contact you as soon as possible.

Thank you,

Netspend

Louisiana
1 review
9 helpful votes
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Locked my account
October 15, 2020

They locked my account on the same day my paycheck was direct deposited and now I have no access to my money! You can't get any straight answers when you call costumer service it's just a joke! Can they legally just close my account for no reason and not give me my money that was just deposited by my employer? If I don't hear back by top management like I was told and get my money by tomorrow I'm going to the Attorney General!

Date of experience: October 15, 2020
Ohio
1 review
0 helpful votes
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The worst card Ever! The people on the other end won't help you at all. I kept getting you must verify everything on your end I kept doing it over and over again. Nothing worked and they wont fix it on their end. So my money is stuck on a card I can't activate.

Date of experience: October 6, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear about your experience. Please send us an email to social@netspend.com if you still need assistance with resolving the issue on your account.

Washington
1 review
0 helpful votes
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THEY STEALING
December 3, 2024

They won't let you access your money then they lie and say they sending a check only for a check to never come. Don't waste your time or money with them trust me

Date of experience: April 16, 2024
Eric L. NetSpend Rep
5 months ago

Hello,
We are sorry you have concerns in regards to your account. In order to assist you further we will need more information. Please email socialsupport@netspend.com and provide your full name, email address associated with your account and your concerns. Could you mention that we messaged you on Site Jabber, and we'll see what we can do? Thank you,
Customer Advocate
Eric

South Carolina
1 review
1 helpful vote
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Stolen Money
February 21, 2022

I have had my Netspend card hacked TWICE in a 2-3 month span. First time, over $400 and that took FOREVER to get the money back. Now here we are again, I got $250 stole from me and Netspend does not want to help anyone. They say it can take 30, possibly 45 days for the dispute to be solved. I just need my money back ASAP that was stolen from me, I have bills to pay before stuff gets shut off! Once, I get this $250 back, I will be closing the account because I am tired of people taking my money! This has never happened with any other card I have had.

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

We're sorry to hear about your experience.

We are happy to speak with you about the dispute process. Please email us at social@netspend.com.

Thank you,
Netspend

New York
1 review
1 helpful vote
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Beware that there is a $5 monthly fee. You can't transfer money from its account to another bank account. Unlike other banks, they never tell you there is a monthly fee on the website where you sign up. Once I found out, I want to withdrawal and close the account. They told you to go the counter to withdraw, and you will be charge a 1% for that. I was charge $12.40 withdrawal fee plus the $5 monthly fee even I decide not to use it and close it.

Date of experience: August 6, 2021
Eric L. NetSpend Rep
over a year old

We're sorry to hear that you are unhappy with your card services. The fees for using the card and for maintaining the Card Account are fully disclosed in the Cardholder Agreement that is included with all cards.

Currently we offer the option to make debit card transfers to external institutions and bank to bank transfers using your routing and account information.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Pennsylvania
1 review
0 helpful votes
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So I had a joint account with them. My wife's card had gotten hacked. They stopped the transaction but in total took over 40 dollars in fees. And when we called in the customer service person asked my wife to get off of the phone so he could email her the transactions. They couldn't explain over the phone why they took over $40 in fees. Wish they would have been more helpful. In these times of needs for so many with the covid 19 and many out of work you'd think they would at least care enough to help.

Date of experience: October 10, 2020
California
1 review
1 helpful vote
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Do NOT waste your money
December 5, 2022

I purchased a card because I thought it was a trusted.
I was told they could not activate and will send a refund 10 business days.
As I patiently waited passed the days.
I called and a representative left me on hold for 20 minutes only to say she needs approval to give me my information for my refund.
Horrible.

Date of experience: December 5, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. Please email us at social@netspend.com if you still need assistance checking the status of your refund check.

Kentucky
1 review
1 helpful vote
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I have done this twice in order to get my pay from work when Its on direct deposit where I get it 2 days earlier. Two weeks ago I Ihad to send my direct deposit info to h. R of my workplace which sent it to my corporate office. And I'm getting pissed off because you all are running me around. I have to make a living you know. So why do you get paid and not me or others. Smdh...

Date of experience: April 28, 2021
Eric L. NetSpend Rep
over a year old

We're sorry to hear that there are issues with your employer sending your direct deposit. For questions about the direct deposit process, please email social@netspend.com.

Thank you,
Netspend

California
1 review
0 helpful votes
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Honestly, you'd be better off trusting a complete stranger on the street with a CashApp to load funds than NetSpend.

I bought and used cards, but had a remaining balance I attempted to recover. First they said they'd return it because I didn't have the necessary documents to get the "block" lifted on my account. No biggie, I'll take my money. A month later, they say sorry, we lied, never sent it. We need your documents to give you YOUR MONEY back. No problem, I provide a Passport, SSN and W2 with the account address. Now the W2 is too blurry. Imagine how many people buy cards that they do this to, hoping they just give up so they can keep the money. Criminal organization.

Date of experience: April 15, 2022
Eric L. NetSpend Rep
over a year old

Our records show that an agent from our Corporate Office has reached out to you.

Email social@netspend.com if you have additional questions or concerns.

Thank you,
Netspend

New York
3 reviews
2 helpful votes
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John Barone
September 13, 2021

BEWARE - I purchase this netSpend card from a local Duane Reade Store here in New York and put only $20 bucks on it. I didn't ACTIVATE the card right away. When I called to activate it, they it was too late that it just expired. They said each month over the expiration date I was changed a $5.95 PER MONTH "maintenance fees"and was subtracted from my balance? And my balance was now ZERO. Even thought it was only $20, it's the principle. After 3 calls, 2 hang ups... I finally got a supervisor on the phone that said she'll send me a check. I'm now waiting on that check. This guys should be ashamed of themselves and should be shut down. I'm also reporting to the BBB if I don't see my refund.

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

We're sorry to hear that you are unhappy with your purchase.

The fees for using the card and for maintaining the card account, including maintenance fees, are fully disclosed in the Terms & Conditions that are included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.

For assistance, please email social@netspend.com.

Thank you,
Netspend

Alabama
1 review
0 helpful votes
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Are you ok NetSpend?
August 4, 2021

First, let me say NetSpend had awesome customer service. The key word had! I have used them since 2016 and then was switched to all Access by 2019. I thought they were great to use because all 4 kids in college and it was an easy way to send money. Well, I had a direct deposit sent which they stated they needed proof, I was like ok. Send proof wait 6 hours, no email. Then when I receive an email it has nothing to do with what I spoke to rep about and sent. No one knew what I was talking about?!? I called to see why no response and the rep was talking so much I couldn't even speak. I was so confused, what happened to the customer service or the practices I had grown to love? Needless to say, the 5 of us are switching asap. Do you research there are newer companies which have what NetSpend used to be. I still don't have a response. Please again do your research!

Date of experience: August 4, 2021
Eric L. NetSpend Rep
over a year old

We're sorry to hear about your experience. To speak with us, please email social@netspend.com with your contact information. We will have an agent reach out directly to you.

Thank for for letting us know,
Netspend

Maryland
2 reviews
0 helpful votes
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Horrible company
June 27, 2021

I have been with them since they started. They are the worst when it comes to depositing checks into your acct. I have one check from Dept of Treasury. They declined. I have a paycheck that they accepted direct deposit from my company but my 1st check they won't deposit. Why have an acct if they don't do what is needed.

Date of experience: June 27, 2021
Eric L. NetSpend Rep
over a year old

We highly regret the inconvenience. However, we could not understand the exact problem. Please shoot us a message at social@Netspend.com.

Thank you,
Netspend

Texas
1 review
0 helpful votes
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I went through a domestic violence issue where I was almost murdered. I changed my last name and my NetSpend had money on it. But then my name didn't match. Everything has my new last name even my social security card. They told me because it wasn't for marriage they won't change anything. Because if it was for marriage they would. So never will I use them again.

Date of experience: April 16, 2023
Eric L. NetSpend Rep
over a year old

That doesn't sound right. We are able to accept documents to update accounts where there is a legal name change.

We would be happy to provide more details. For assistance, please email social@netspend.com.

Thank you,
Netspend

Ohio
1 review
0 helpful votes
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Netspend is a joke
August 25, 2022

Don't not use netspend I switched from card.com to netspend and that was the worst mistake I made... netspend ended up charging me 56.00 in fees for 1 week and Bankcorp bank (card.com) only charges me a 1 time monthly fee of 9.95 dollars to use my card vs using netspend and getting 1.50 taken off my card everytime I use it... netspend is a joke and I am going to cut my card up because I done switched back to bankcorp bank...

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

We're sorry to hear that. It sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN and signature/credit transaction there is a fee. We do have a monthly plan that allows for unlimited purchases. You can change your fee plan at any time through the Online Account Center. Please send an email to social@netspend.com if you still need assistance.

Michigan
1 review
4 helpful votes
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No customer service
March 30, 2021

Worst company I dealt with. I had a issue with my insurance company I call net spend to help oh they did closed my account for over 26 days now took my money which I can not get because they closed my credit. Card still waiting on a replacement card best part was when I went to use my. Credit card it was declined people be aware what this company can do called them numerous times only to here its comming

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

Hello,

Netspend offers prepaid debit cards, not credit cards. For assistance with your card, please email social@netspend.com.

Thank you,
Netspend

North Carolina
1 review
4 helpful votes
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Net spend is another garbage prepaid debit card company that uses deceptive advertising and marketing. Do yourself a favor and cut your net spend card in half. If you're considering Netspend, do yourself a favor and don't.

Date of experience: August 1, 2018
Eric L. NetSpend Rep
over a year old

Dear Jeff,

We are very sorry to hear that you feel this way about our product. We would like to address any concerns you may have and request that you email us at social@netspend.com.

Thank you,

Netspend

Texas
1 review
0 helpful votes
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I had a horrible experience trying to get a hold off my card. I was cold transfered more than 7 times. Each transfer was back to the previous department I had spoken with. I asked multiple times to speak with a supervisor because nothing was getting accomplished, I was denied and told my problem did not warrant speaking with a manager. I then asked to file a formal complaint, and that too was decline. I myself work in a call center and it is frowned upon to cold transfer, especially if customer requests a warm transfer. I have been using netspend since 2017 and I have never had to contact customer service. Now that I see how the customer service is, it worrisome if I problem in the future how it would be handled. This call should have taken 10min tops. I had to deal with being transferred for over 45 min. I am extremely disappointed with how this was handled.

Date of experience: November 21, 2020
Eric L. NetSpend Rep
over a year old

Thank for providing feedback in your reviews. We're sorry to hear about your experience. To speak with us in more detail, please email social@netspend.com.

-Netspend

Georgia
1 review
0 helpful votes
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The app doesn't work, the online website doesn't work, and the customers service singlehandedly ruined my entire day, AGAIN. I'm closing my account and never looking back. Please do not do business with these con artists!

Date of experience: June 23, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear about your experience.

If you'd like to speak with us about your concerns, please email social@netspend.com.

Thank you,
Netspend

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