Netspend (www.netspend.com) has a 2.8 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. Opinions are polarized: 44% rate it 4 stars or higher while 48% give 1 star; The business has replied to 99% of negative reviews; 80 of them were added in the last 12 months. Last updated 2026-08-10.
12 months try to reach costumer service, 12 months! Sent over 40 emails with my number as they asked! No 1 as called 12 months. How does a company with this service still available? If you have on emergency and need to contact netsped you will die before anyone gets to you ..... what are pathetic company
Nothing wrong with the card other than the every charge of use of 2$ even if I make a small buy it charges 2$ .I will never use this card again.
We do offer monthly fee plan options which could save money! Please respond to our information request so we can look into better fee plan options.
My new account was closed and I was told I could never have an account with Netspend because of Identity, high risk and suspicious activity. I have not had any suspicious activity because the account was never used. I don't know what this decision is based off of. I was told that they could not go into details. I have not used any Netspend account because it is always closed before I could use it. At this point, I do not want to do business with any company that is this untruthful, irresponsible and backwards.
We would like to investigate the account to better assist you with this process. Please respond to our requested information.
If I could do negative I would. They are a scam. They tell you that your card has been stolen and provide you no proof of it and then they ask you to pay 20 or more to get a new one in 3 or less days. This is nothing but a scam. A shell company to steal people's pay checks. I have to PAY THEM TO GET MY OWN MONEY OFF OF THIS STUPID CARD.
We'd be happy to investigate your concern. Please respond to our request for more information and we'll see what we can do to make things right. Thanks.
I would strongly advise anyone to think twice before using Netspend. I had approximately $2,500 in my PayPal Debit account before the debit card program was transferred to Netspend after PayPal stopped operating its own debit cards. Since then, getting my money back has been an absolute nightmare. A few weeks after the transfer, I called to follow up and was told my refund was being processed and that I should wait 5–10 business days. On July 1, after still receiving nothing, I called again. This time I was told the check had supposedly been mailed on May 7. I explained that I never received it. They said they would issue another check and again told me it would take 5–10 business days. I asked for tracking information for both the original and replacement checks, but they couldn't provide any tracking or proof that either had actually been mailed. On July 21, after waiting yet again with no check, I called for another update. I was told a replacement had been sent, but they couldn't even tell me when it was mailed, nor could they provide any tracking information. I explained that I had now been waiting three months to receive $2,500 that belongs to me and asked that they simply issue a new check using a trackable delivery service. Instead of helping, the representative transferred me to a supervisor, then disconnected the call. The supervisor never answered, and I was sent to voicemail. At this point, I have spent hours on the phone chasing my own money, received conflicting information from multiple representatives, and still have no check, no tracking number, no proof of mailing, and no resolution. This has been one of the most frustrating customer service experiences I have ever had. A company entrusted with customers' money should have a reliable process for issuing payments and should be able to provide tracking or proof of mailing for checks of this size. Three months later, I'm still waiting for my $2,500.
This is not the experience we expect you to have. Please respond to our request for information and we'll get this taken care of. Thank you.
My spouse passed away as beneficiary I was entitled to the remaining funds but netspend is going to hold for 3 years then send it as unclaimed funds don't trust this people they also like to put you on hold for long periods of time hoping you will just hang up
We'd be happy to investigate your concern. Please respond to our request for more information. Thank you.
Everything is wrong with this bank. Every other day, I have a block on my account. Currently, I can not access their website, over all piss poor service.
Our website is up and running with no issues. We take account protection very seriously. We know it can be inconvenient but we will always protect your funds. We requested more information from you so we can take a look at your account and ensure everything is working as it should. Thank you.
I’m Back here again to write another review about Netspend. Well I talked to a supervisor this morning and she has not called me back I’m still waiting for my money from them.i did everything that I was to do and I still have to wait now I’m so pissed off and mad at them at this point that I’m thing about getting me a lawyer cause and if I have to get me a lawyer to get my money then that’s what I will d. If Netspend wants to keep customers they should deal with people in a timely manner for me to have mad this dispute on July 2 and have to wait 2 weeks is unreal. I think I will contact legal aid for help please don’t ever get this card cause they will make u wait for ur money
Thanks for taking the time to share your thoughts. There are regulations and guidelines that we must follow when investigating disputes. These are all explicitly shared with you in the terms and conditions that you agreed to when you signed up to use our services. We will always follow all regulations and guidelines to the letter and we cannot make an exception. We understand your frustration but once again request your patience while we thoroughly investigate the claim and adhere to regulations and policies. Thank you.
Went to deposit check took pictures of front and back of check next it said write void on it. Said check can't be cashed now I will have to wait 4 to 6 weeks to get another one. Really needed money now. Don't recommend depositing check on line.
Thanks for letting us know this happened. We'd be happy to investigate your issue. Please send an email to [email protected] and provide your full name, the email address associated with the account, the best phone number to reach you, and a detailed description of the issue. Please also mention that you reached out to us on Trustpilot. Thank you!
Total Waste of Time! If I had known before opening my account that proof of residence and ID verification were needed, I would not have bothered getting a card. You might as well build a relationship and credit with a financial institution.
Thanks for the feedback. We follow the same guidelines and federal regulations as any financial intuition.
Terrrible customer service! Supervisor Joshua ensured me for 2hrs on the phone, that everything would be handled and totally did the opposite. Never refunded the check like he was suppose to, now I have to wait for another 10/15 business days. After already wait 3months!! Would never recommend Netspend/Paypal to my worse enemy. I’ve been with PayPal for 15yrs and this will be my last
We appreciate your patience as we work on issuing your refund check as soon as possible. Please respond to our information request so we can investigate the account.
I would give negative 5 stars if I could. I've been requesting assistance regarding rapid attacks, synthetic attacks and changes to login info not to mention charges/fees that are not only predatory but also inaccurate. Recently I finally not only received over 700 in reversals back from a company but submitted a claim and received written confirmation that other charges would be reversed. I've submitted substantial documentation and I had a supervisor confirm my overdraft was mistakenly deactivated. Despite this, there has been no escalation to return my funds. Despite the merchant statement and reversed credits there is still a "investigation" and at this point what more could you investigate. I was given a $10 credit and told my purchase cushion was active. It was not however NetSpend did overdraft my account for a monthly fee. I was told on 6/22 that a supervisor was waiting to speaking with me and never transferred but placed on hold over a hour. I have documentation verifying missing money with no transactions. There has been no urgency to either help or resolve this issue. This nightmare as and treatment has caused me financial harm, emotional distress and trauma. The only thing I receive from NetSpend is lack of transparency, unacceptable customer service and more financial strain. You or your money isn't a priority. You won't get consistent help, answers or even basic respect. I have been transferred only to be hung up on. Stonewalled and disregarded. I filled another complaint with cfpa, I'm going to file more. This is a egregious violation of federal laws and a total failure to even attempt to accommodate assist me to get a speedy resolution. I'm completely disgusted. I've never been exposed to this type of experience. I wouldn't wish this on my worst enemy. DO NOT USE THIS COMPANY ESPECIALLY IF YOU HAVE A disability, they seem to prey upon vulnerable individuals and. Do absolutely nothing to help their customers. I have no words. Customer since 23 or better, DD and is is what I receive u from them? Worse experience aside from identity theft ice ever had Its important to note they were recently fined over 1 million dollars by Attorney General Leticia for exactly this behavior and are still doing it. Edit: they did not take account protection seriously and even that answer is a joke not even a dressing anything that I stated in this situation regarding my financial situation due to their incompetence only addressing the account protection which they felt at as well. That is further evidence a matter of fact if anyone notices they didn't even ask anything about what my username was how do they know what my account is this is bogus. Don't believe anything that they say. Completely not only incompetent but not caring
Thank you for taking the time to share your thoughts. We are already aware of the situation, and as always, we are working to resolve your concerns. We take account protection very seriously and will always ere on the side of keeping accounts secure. We appreciate you continuing to work with us and being a great passionate customer. Thank you.
wants more documents to verify identify that they do not need do not get a netpend debit card they also lied to me
We are required by federal law to verify the identity of all of our card holders. If we cannot verify your identity based on information you input then we will request documentation. Thank you.
Hello, I am aware that routing numbers have changed, however, the last communication I received regarding the change on May 21, 2026 was that the change would be extended until the end of July. Part of the email reads "Avoid Disruptions: After July 2026, we cannot guarantee that your transactions will be successful. Update your info immediately to get your money on time and avoid late fees or declined payments." But it is June 18th and my direct deposit should have been issued Tuesday the 16th and I was told when calling the Brinks that the routing number changed early, and that I had to correct it with my employer. The second agent said there were no pending deposits, and the third agent said that the routing number was changed and that it would be sent to my employer in six business days, but that is a long time to wait, when my account is already in the red. The fallout from this is not only not having any funds for at least 10 days (the funds back in 6 days and the employer sending a paper check), is rental late fees, possible car repossession when I don't make that payment on the 20th (and my record was good until now), other bills and late fees and not even being able to purchase groceries. Just as in a fraud case when you provide funds, that should be the case here, until the deposit is corrected and you take that money back. I am requesting a provisional credit to my account in the amount of past direct deposits that come every two weeks, until that money is returned and then they can take the money back when it is returned, as not every organization let's you change direct deposit information online as my company requires paper and is a process of receiving paper checks in between. I shouldn't have to be late or risk car repossession when the information received from the company listed a different date of a routing number change. The 'supervisor' that called me back told me they were not aware of the communication and only learned from customers calling, and that they were forced to change the routing numbers sooner. How is that my problem. This is really going to put me in a bind as I was planning a move, have a pending housing payment, car payment and numerous other bills and I can't wait 6-12 days for a paper check. That is not a solution to something that was not my problem.
Please reply to our information request so we can investigate the account and assist with the direct deposit status.
So far an evening of hell. I bought a net spend card because I seen online it would be a safe method to play legal online casino games. It did not work on 2 of the casino apps I tried to use it on. I then attempted to add the funds to my PayPal account, not compatible with PayPal. I then linked it to my bank debit card, all went well until I tried to transfer the money from Netspend to my debit card. I was directed to call customer service. Made the call and did as directed and waited an hour to attempt the transfer again but not to do it more than one time or it could cause the card to receive a block on it. I tried it just once after an hour and BLOCKED and frozen. I was directed to verify my account with a government ID, I did that and the system said it accepted it but when I called customer service I was told the accounts needed more verification. An email was sent for me to verify with a recent utility bill( must be within the past 30 days) and once again my government issued ID with a reference number in the subject line. I received a reference number over the phone different from the reference number supplied in the email so I will find out in 6-8 BUSINESS HOURS if I can transfer my money, close this nightmare account and try to get over how a whole evening of what was supposed to be rest and relaxation was stolen from me from this extremely inept company!
Thank you for taking the time to share your experience. We're sorry that our card didn't meet your expectations. We take account protection very seriously and stay by our verification process. Thank you.
Terrible experience with Netspend from the very start. My card was blocked, and when I called customer service. I was told to wait 4-6 business days for resolution. To make matters worse, the representative spoke too quickly and had an accent that made it hard to understand. I can’t recommend this service to anyone
We're sad to hear that your experience hasn't been what you expected. We'd be happy to investigate what happened. Please respond to our request for more information. Thank you.
Terrible, I've had them 12 years and they have just tanked. Terrible customer service with 0 resolve and no way to access my funds. I was told to transfer my funds. Lol to access my funds the bank told me to transfer them to another. Terrible customer service.
We appreciate you being around for 12 years and we can fix any issues you are having. Please reply to our information request so we can investigate your account.
How on earth has anyone read if there’s anything other than a one. If there were zero I would read zero this is the most convoluted scam I’ve ever ever experienced as far as financial institutions are concerned. What the hell is up with their fee for everything… I mean everything! I can understand ATM fee, but I’m being screwed by the fact that I can’t take up money anywhere with this card and so any ATM that’s gonna charge me a fee. I’m also incurring a fee through them. There’s a monthly fee, that is also a two dollar fee every single time you use your debit card. What kind of messed up crap is that!? That is just complete Idiocracy. It’s so cheap and ridiculous that I am so confused as to why I ever even accepted this card into my wallet. They should be closed for being the shittiest banking system ever in existence. This is 2026… Get on with the program! You were speaking experience… Financial experience… Whatever the hell these people are called… I’ve ever had in my entire life. I don’t even wanna know how much I spend fees in the last two months since I’ve had this card on. I just caught on… Silly me, I guess. These people should be shut down and never allowed to do business again. Cheating lying corrupt system with petty fees. Such idiots. Accuse my language and excuse my abrupt writing. I’m just so fed up with their bullshit. It’s not even funny.
We're so disappointed to hear that you're unhappy. The fee schedule was prominently displayed for you at the time of sign-up and you had to agree to the schedule in order to activate your card. We would be happy to talk to you about moving to an All-Access card that is a low monthly fee instead of a per transaction fee. We appreciate you taking the time to share your thoughts.
Account locked with money and they're trying to hold on to it like their own. Avoid these thieving bastards
We take account protection very seriously. We'd be happy to help you get your account block resolved. Please reach out to us by phone at 1-866-387-7363. Thank you.
After reading the hype about this organisation being the most user friendly and very accommodating to facilitate the provision of a reloadable Visa card for someone who does not have a bank account or personal identification limitations. Well what it won’t tell you is you can’t open an account in the uk on behalf of someone living in USA. Expert guidance from “AI” revealed they have “red flag” security restrictions blocking anyone outside USA creating an account. Despite failed attempts to reach out to Netspend by email and phone, I had to rely on “AI” again who confirmed email responses are a pre determined fixed response advising you for security reasons to phone, but again they don’t tell you they also put red flag security blocks on phone calls from uk. THIS COMPANY SHOULD BE RECYCLED So why they are described as the best service I don’t know. It’s certainly not been my experience for someone from uk.
You are correct, our cards are only available in the US and accounts can only be created from within the US. We would need to fully verify the identity of the cardholder and you state in your review the person you're trying to set up an account for has limited ID. We appreciate you taking the time to share your experience and are glad you've shared the parameters you experienced. Thank you.
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