Prepaid Debit
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Prepaid Puts You in Charge

With Netspend®, you get a convenient way to manage your money on a prepaid card that is packed with features.

Signing up is simple, because there’s:

  • No credit check[1]
  • No activation fee
  • No minimum balances
Sign Up Now

Card usage is subject to card activation and identity verification.

IMPORTANT INFORMATION FOR OPENING A CARD 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 a Card Account. 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. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

A reloadable prepaid card with the convenience, freedom, and control you need.

Get paid up to 2 days faster with Direct Deposit℠.[2]

Get your paycheck or government benefits up to 2 days faster than a paper check with Direct Deposit.

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice.  Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Earn cash back with Payback Rewards℠.[3]

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

Know the moment your money arrives with Anytime Alerts™.[4]

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

Manage your money anywhere with our Mobile App.[4]

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

And we’re just getting started.

See all features

Enrollment in the Monthly Plan is optional and covers only purchase transaction fees. It does not include ATM fees or any other fees associated with the use and reloading of the Card Account. To qualify for the Reduced Monthly Plan you must receive $500 in payroll or government benefit direct deposits in 1 calendar month. Upon qualifying, discounted fee takes effect on enrolled Cardholder’s next Plan Fee assessment date. Pay-As-You-Go Cardholders must enroll in the Monthly Plan to activate the Reduced Monthly Plan. See the Cardholder Agreement for details.

Upgrade to Premier.

Who doesn’t like an upgrade? Netspend Premier has the most features, and you’ll save almost 50% on monthly fees![5]

See what you get with Premier

See what the Netspend Card can do.

Direct Deposit

Direct Deposit

Learn how to get your paycheck or government benefits up to 2 days faster.[2]

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice.  Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

MLB Cards

Pick your team and show your support every time you pay with your Netspend® Prepaid Mastercard®.
Mobile Check Load

Load Checks from Your Phone

See how you can load checks to your card in a snap.[6]

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.

How to get started.

Get up and running in 3 steps.

  1. Order
  2. Activate and Verify ID
  3. Add Money

See How It Works

For Mastercard, Conditions and exceptions apply-see Cardholder Agreement.

Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, any transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us).  You must notify your financial institution immediately of any unauthorized use.  For specific restrictions, limitations and other details, please consult your issuer.

You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account Center for details.

Security features for your peace of mind.

With a Netspend card, there are lots of security features available to you:

  • FDIC-insured through the card’s issuing bank
  • Protected against unauthorized purchases with Visa® Zero Liability protection or Mastercard® Zero Liability protection[7]
  • Virtual Cards to give you an added layer of control over who has your card number[8]
customers served

10 million +

reload locations

130,000 +

year we were founded

1999

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The Netspend Visa Prepaid Card is issued by Pathward, National Association and Republic Bank & Trust Company, pursuant to a license from Visa U.S.A. Inc. The Netspend Prepaid Mastercard is issued by Pathward, N.A., and Republic Bank & Trust Company pursuant to license by Mastercard International Incorporated. Pathward, N.A., and Republic Bank & Trust Company; Members FDIC. Please see the back of your Card for its issuing bank. Netspend is a registered agent of Pathward, N.A., and Republic Bank & Trust Company. 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 activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

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Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2023 Netspend Corporation. All rights reserved worldwide. Netspend and Skylight are federally registered U.S. service marks of Netspend Corporation. All other trademarks and service marks belong to their owners.