Netspend Prepaid Mastercard review (2024)

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  • Our verdict
  • Your reviews
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By Cassidy Horton


Fact checked

Netspend Prepaid Mastercard review (2)

Monthly maintenance fee
Up to $9.95

Signature transaction fee
From $0

PIN transaction fee
From $0

Our verdict

Customize this prepaid card with your favorite major league baseball team or WWE wrestler.

The Netspend Prepaid Mastercard is a great prepaid card option for MLB and WWE enthusiasts. Thanks to its customization options, display your favorite baseball team or wrestler right on the front of your card.

Like most prepaid cards, you can qualify for the Netspend Prepaid Mastercard without a credit check. Plus, enjoy other perks like cashback rewards and early direct deposits. But you’ll need to watch out for lengthy fees.


  • Not open to Vermont residents

  • Long list of fees

  • Upfront card costs

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

How do I get the Netspend Prepaid Mastercard?

Follow these steps to apply for the Netspend Prepaid Mastercard online:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the official Netspend website, look for the MLB or WWE Netspend Prepaid Mastercard in the product list and click Sign Up Now next to the card you want.
  3. Enter your name, address and email address.
  4. Choose your direct deposit methods.
  5. Choose your card’s design.
  6. Agree to the terms and conditions and click Get My Card.


To be eligible for the Netspend Prepaid MasterCard you can’t live in Vermont and you’ll need to meet the following requirements:

  • US citizen or resident
  • At least 18 years old

Required information

When you sign up for the Netspend Prepaid Mastercard, have the following information on hand:

  • Full name, email address and US residential address
  • Date of birth
  • Government-issued photo ID number
  • Direct deposit information

Netspend Prepaid Mastercard plans and fees

Netspend has three plans to choose from — each with their own fee structure. Everyone starts out with the Pay-As-You-Go plan, but you can upgrade to the monthly FeeAdvantage plan or the Premier FeeAdvantage plan if you have at least $500 in monthly direct deposits.

Pay-As-You-GoFeeAdvantagePremier FeeAdvantage
Account opening fee$0$0$0
Monthly plan feeNone$9.95$5
Signature-based transaction fee$1.50Included in planIncluded in plan
PIN-based transaction fee$1.50Included in planIncluded in plan
Cash reload fee$3.95$3.95$3.95
US ATM withdrawal fee$2.50$2.50$2.50
Balance inquiry fee$0 by text message; $0.50 by phone or ATM$0 by text message; $0.50 by phone or ATMNone
Account inactivity fee$5.95 a month$5.95 a month$5.95 a month
Replacement card fee$9.95$9.95$9.95
Foreign transaction fee4%4%4%


Like other prepaid cards, you won’t get a credit check when you open the Netspend Prepaid Mastercard. You’ll also enjoy a comprehensive mobile app where you can deposit checks. Other perks include:

  • Customize your card. Netspend partners with MLB and WWE to offer customized cards of your favorite baseball team or WWE player at no additional cost.
  • Cash back. Earn cash back rewards when you use your prepaid card at eligible merchants.
  • Get paid up to two days faster. Receive direct deposits up to two days sooner than you would with a traditional bank account.
  • Comprehensive mobile app. Download the mobile app and deposit checks, manage your transactions and more.
  • Several reload options. Netspend offers convenient ways to reload money on your card: direct deposit, Paypal, electronic transfer from a bank or another Netspend account or in-person at over 130,000 retail locations.


Netspend is a great option for anyone who needs a little help managing their finances, but there are a few drawbacks to be aware of:

  • Not open to Vermont residents. If you live in Vermont, you’re not eligible for the Netspend Prepaid Mastercard.
  • Long list of fees. Regardless of the plan you choose, watch out for inactivity fees, ATM fees, foreign transaction fees and more.
  • Upfront card costs. If you buy your card in person at Walmart, CVS or another retail location, you’ll pay up to $9.95 depending on the retailer. But you can request your card online for free.

If you want an account with lower fees, you’ll want to keep looking. As always, compare your options when considering a prepaid card.

Compare with other debit cards

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Funding options

Choose from five options to add or reload money onto your Netspend Prepaid Mastercard:

  • Direct deposit. Set up direct deposit and have your paycheck, government benefits or tax refund sent straight to your prepaid card.
    Netspend reload network location. Netspend offers over 130,000 reload locations in the US where you can add money to your card in person.
  • Bank transfers. Move money onto your prepaid card when you connect your checking or savings account to your Netspend account.
  • PayPal. Add money straight to your Netspend Prepaid Mastercard using PayPal.
  • Transfer from another Netspend card. If you have more than one Netspend card account, quickly move money between accounts in the mobile app.

How long will it take to get my card?

You’ll receive your card in the mail within seven to 10 business days of submitting your application. Pay $20 to get it delivered in three business days or $25 to get it delivered in one to two business days.

I got my Netspend Prepaid Mastercard. Now what?

Make the most of your new Netspend Prepaid Mastercard by:

  • Reviewing your cardholder agreement. No one wants to be hit with unexpected fees. Review your cardholder agreement to find the fees you may encounter when you use your card.
  • Upgrading your fee plan. If you use your card more than seven times a month, consider upgrading to the FeeAdvantage plan to save in fees. This plan costs $9.95 a month, but if you have at least $500 in monthly direct deposits, your monthly fee goes down to $5.
  • Downloading the mobile app. Install the official Netspend mobile app to easily manage your card, deposit checks and reload funds.
  • Contacting customer support. Have questions about using your card? Contact customer service at 866-387-7363.

Frequently asked questions

  • Yes, although it depends on your individual financial needs. If you can’t open a traditional checking account but want to pay bills and make purchases without using cash, Netspend is a solid option.

  • Netspend doesn’t have any in-network ATMs, so you’ll pay a fee each time you need to withdraw cash.

  • The Netspend Prepaid Mastercard is issued by The Bancorp Bank, Axos Bank, Pathward and Republic Bank & Trust Company.

  • Once you get your card in the mail, you can activate it by calling customer service at 866-387-7363 or visiting

Netspend Prepaid Mastercard, WWE partner is not currently available on Finder

Have you considered GoHenry?

Get interactive money and investing tools for your kids, including expert-developed games and quizzes. Offers strong parental controls that allow you to set where and how much your child can spend.

  • Finder-exclusive 2-month free trial plus $10 in allowance, then $4.99
  • Optional parent-paid interest
  • 45+ customizable card designs

Learn more

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Netspend Prepaid Mastercard review (5)

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Netspend Prepaid Mastercard review (6)

Cassidy Horton


Cassidy Horton is a freelance personal finance copywriter and past contributing writer for Finder. Her writing and banking expertise have been featured in Forbes Advisor, Money, The Balance, Money Under 30,, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University.See full profile

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Netspend Prepaid Mastercard review (2024)


How long does it take Netspend to review documents? ›

Approval review usually takes 3 to 5 minutes but can take up to one hour.

Is Netspend prepaid card legit? ›

All transactions made using Netspend cards are insured by the Federal Deposit Insurance Corporation (FDIC) up to the current coverage limit, and the cards can be used anywhere MasterCard and Visa debit cards are accepted.

Is there a problem with Netspend right now? ›

No, we are not detecting any problems with Netspend right now. The last outage detected for Netspend was on Monday, May 13, 2024 with a duration of about 3 hours.

How do you speak to a live person at Netspend? ›

You should immediately contact Customer Service via our toll-free number, 1-866-387-7363.

What documents are needed for Netspend verification? ›

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.

Why is Netspend asking for documents? ›

1 IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT 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 an Account.

What is the Netspend controversy? ›

What was the lawsuit about? According to the FTC, many people who bought NetSpend prepaid debit cards were unable to access their funds, either because NetSpend denied or delayed activation of their card or because NetSpend blocked them from using it.

What are the cons of Netspend? ›

The biggest cons of the Netspend card are the fees. There is a recurring fee of $9.95 per month or $1.95 per transaction charge, depending on the plan you choose.

Why did I get a Netspend card with no money? ›

Tax Refunds: The Internal Revenue Service (IRS) may send a Netspend card if they do not have your direct deposit information on file. This can happen if you are eligible for a tax refund or if you are receiving Economic Impact Payments during times like the COVID-19 pandemic.

Has Netspend ever been sued? ›

Past NetSpend lawsuits include failing to refund unauthorized transactions, charge disputes, unreasonable blocks or holds (including tax refund holds and social security SSI holds), hidden fees, excessive charges, deposit issues, account errors, service issues, downtime, balance errors, duplicate charges, and/or ...

Why does my Netspend card keep declining? ›

Here are the most common: Order billing information doesn't match the information on your card account. You don't have enough money in your account to cover the purchase, shipping, and taxes. Your card has been flagged for suspicious activity, has a freeze on the account, or is subject to a security review.

Is Netspend for people with bad credit? ›

How do I get a Netspend card? Fill out a quick online order form and we'll ship you a personalized card! There's no credit check and no upfront fees.

Why is Netspend holding my money? ›

Sometimes, transactions like car rentals, hotel rooms, or pay at the pump require a pre-authorization, which means a hold is placed on some of your funds until they know the final amount owed. Often, the funds are released within about 3 business days, but it can sometimes take a couple of weeks.

What company owns Netspend? ›

AUSTIN, May 1, 2023 — International payments company Rêv Worldwide (Rêv), in partnership with funds advised by Searchlight Capital Partners, L.P. (Searchlight), today completed its purchase of the Netspend consumer business from Global Payments (NYSE: GPN) in an all-cash transaction valued at $1 billion.

What bank is Netspend through? ›

Netspend Visa® and MasterCard® Prepaid Cards are issued by The Bancorp Bank, Pathward™, National Association, and Republic Bank & Trust Company, Members FDIC.

How long does it take for Netspend to refund stolen money? ›

The FTC noted NetSpend will mail a refund check within 30 days after the customer makes the request. The refund is for all the money that was lost by the customer. The FTC warned consumers to keep in mind they don't have to pay to get a refund in any FTC cases.

How do I submit documents to a Netspend card? ›

Here's how it works

Send netspend document verification email via email, link, or fax. You can also download it, export it or print it out. Draw your signature, type it, upload its image, or use your mobile device as a signature pad. Send netspend document verification email via email, link, or fax.

How long does it take Netspend to release funds? ›

Netspend gives you access to your money as soon as the funds are electronically deposited to your card account – that can be up to 2 days faster than you'd expect.

How long does Netspend pending take? ›

Sometimes, transactions like car rentals, hotel rooms, or pay at the pump require a pre-authorization, which means a hold is placed on some of your funds until they know the final amount owed. Often, the funds are released within about 3 business days, but it can sometimes take a couple of weeks.

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