Where Can I Load My Netspend Card?

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The Netspend card is a prepaid Visa or Mastercard debit card. It allows you to make purchases, transfer money, pay bills and manage your finances. Unlike a traditional bank account, a Netspend card doesn’t require a credit check or initial deposit.

Read on to learn more about the Netspend card, including where you can load your card with cash and how to avoid some of the fees.

Where Can I Load My Netspend Card?

You can load your Netspend card at over 130,000 locations in the U.S., including grocery stores and gas stations. This may include certain banks in your area.

To find a retailer or bank near you that reloads Netspend cards, use the location finder on the Netspend website or app. The location finder also lists each location’s reload fee.

To use the Netspend location finder, simply enter your ZIP code or city and state. You can filter the results to display all locations, no-fee reload locations or places where you can buy a Netspend card.

Here are a few of the retailers that provide reload services at select locations:

Netspend Reload Fees and Limits

Fees and limits for reloading your Netspend card vary depending on the method and location. Here’s what you need to know:

• Reload fees: Fees for adding more money to your Netspend card vary by location. Using the Netspend Reload Center Locator can help you find a location with the lowest fees near you. Fees may also apply for certain online transfer methods, like debit cards or bank transfers.
• Reload Limits: Specific limits are not listed on the Netspend website. You should check your online account or mobile app for your personal limits.
• Free reload options: Some reload methods, like direct deposit or PayPal transfers, do not incur fees. Planning ahead to use these methods can save you money.

Other Ways To Add Money to a Netspend Card

Besides adding cash to your Netspend card at a reload location, you can also add funds in the following ways:

• Initiate a bank transfer from your checking or savings account or bank debit card.
• Transfer money from your PayPal account.
• Have another Netspend cardholder transfer money to your card.
• Set up direct deposit for your payroll check, tax refund or other government-issued check.
• Deposit a check using the Mobile Check Load feature via the Netspend app.

How To Reload Netspend Cards for Free

If you’re looking to avoid fees, here are some free reload options:

• Direct deposit: Employers and government agencies often offer free direct deposit to Netspend accounts.
• No-fee reload locations: Use the Netspend location finder to identify participating retailers that offer free reloads.
• Mobile check deposits: Deposit checks for free through the Netspend app, depending on the processing time you select.

What Can I Do With a Netspend Card?

Using a Netspend prepaid card is like using a checking account and its debit card. You can use it to:

• Make purchases online and in-store anywhere that accepts Visa debit cards or Mastercard debit cards.
• Earn cash-back rewards on select purchases.
• Pay bills.
• Transfer money to other Netspend cardholders.
• Get cash from ATMs.
• Make mobile check deposits.
• Possibly get your paycheck up to two days early by setting up direct deposit into your Netspend account.

How Can I Get a Netspend Card?

Getting a Netspend card is simple:

• Online: Sign up on the Netspend website for free, and your card will arrive in the mail within 10 business days.
• Retail purchase: Pick up a Netspend card at a participating retailer like Family Dollar, Walmart, CVS or 7-Eleven. A purchase fee of up to $9.95 may apply.

To open a new Netspend account, you’ll need to supply your personal information and proof of identity. Netspend doesn’t require an initial deposit or a credit check like traditional checking accounts though.

How To Withdraw Money From a Netspend Account

You can get cash from your Netspend account in several ways:

• At any ATM
• Over the counter at some financial institutions
• At a Netspend reload location

There is a fee for each of these withdrawal methods per Netspend’s fee summary.

What Is the Monthly Fee for a Netspend Card?

The monthly fee for a Netspend card depends on the plan you choose and whether you use direct deposit.

The monthly plan has a $9.95 monthly fee but allows you to make fee-free purchases with the card. If you set up a qualifying direct deposit to your card for a minimum of $500, your monthly fee drops to $5.

The pay-as-you-go plan doesn’t have a monthly fee. Instead, you pay per purchase. Fees may vary based on your card issuer and the type of card you have. Typically, you’ll pay $1 or $3 per purchase, depending on whether you choose credit or debit at checkout. 

Both Netspend plans apply ATM, reload and several other fees to your card. You can find a complete list of fees for your specific Netspend prepaid card on the company’s website.

What Banks Issue Netspend Cards? 

Pathward, National Association and Republic Bank & Trust Co. issue Netspend prepaid Visa cards and prepaid Mastercards. Both banks are FDIC members, which insures the funds on your card up to $250,000.

Additionally, Netspend cards come with Visa or Mastercard Zero Liability protection, offering the same level of security as credit cards from these networks.

Elizabeth Constantineau contributed to the reporting for this article.

Information is accurate as of Jan. 6, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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