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.
What people say
C
Customer service is PATHETIC美国 · 1 review · Experienced 2026-02-13 ·
★★★★★
I bought a Visa card and they are still…
I bought a Visa card and they are still holding my money. Many emails back and forth... one person tells me the card is active so I try it and still nothing. They have had my money tied up for over 2 weeks and they don't seem to be helpful. You can not talk to anyone to work through the problem. They tell me I can only resolve the problem myself online. This company is PATHETIC!!!
Reply from Netspend2026-03-03
We want to help assist to get access to your funds promptly. Please respond to our request information so we can immediately investigate the account.
I cannot tell you how many times I sent documentation to be verified so I could use my card unrestricted. Still there's issues.
They charge $2 tax on everything when you buy something or use your card.
Then they won't mail me my card because I live in a nursing home and according to them, it's too public and not a secure location to send cards.
Then I was on the phone the other day with them and they told me that my card is Frozen until I can verify my identity. Give me my $70 back.
Reply from Netspend2026-03-01
We'd be happy to investigate the account to upgrade it the fee plan and help get access to the remaining funds on the account. Please reply to our information request so we can look into this!
R
R S美国 · 1 review · Experienced 2026-02-25 ·
★★★★★
Absolute garbage
Absolute garbage. They allowed ALL of my money to be transferred to a bank in california (I never travel out of state, I live on the east coast.) I ended up having to ask my elderly mother for rent money, which as a grown man is insanely embarrassing. I'm currently on the phone with their customer service, and every time they ""transfer"" me I have been hung up on.
Reply from Netspend2026-02-26
It's so hard when an account is compromised. Fraudsters are the worst! We work very hard to ensure that your money is safe. We'd like to investigate if you haven't received the help you need. Please respond to our request for more information.
I would give them a negative if i could. They want two items to verify my address. I dont get mail at physical. I gave them drivers license, car registration and concealed carry license ( which has to be approved by FBI). DL they approved, the conceal carry was not good enough and registration wasn’t done in last 30 days. You would think if its good enough for FBI it would be for a prepaid card. Its not like they are loaning me money.
Reply from Netspend2026-02-22
We can definitely review the account's documents to get the account approved. Please reply to our information request so we can investigate the account's status.
They make you jump through loose to talk to an actual person they sent me a card I didn’t ask for and I can’t speak to no one about it. It doesn’t make it any easier on their website either there.
Reply from Netspend2026-02-20
Like all companies we encourage self service via our IVR. We'd be happy to remove you from our promotional marketing. Please respond to our request for more information and we'll help you out. Thank you.
They don't tell you about monthly subscription and external transfer fees. Additionally, they dont make it easy to close the account. You need to call them but they dont pick up. So you are stuck
Reply from Netspend2026-02-18
We can help with explaining the fees or with the account closure process. Please reply to our information request so we can assist!
Paid $102.95 for a card can't use it because it says I'm not who I am WTF. Lesson learned out of a hundred dollars
Reply from Netspend2026-02-17
We would be happy to investigate the transaction so we can get your account approved or send a refund check. Please reply to our information request so we can move forward.
Has to be the worst bank I've ever dealt with and I've dealt with probably around 30 of them maybe more they charge you a fee for everything under the sun the customer service representatives are completely incompetent they have no idea what they're doing they're a bunch of crooks the bank should be shut down
Reply from Netspend2026-02-04
We do offer different options for fee plans and we can help taking a look at the account. Please respond to the information we requested so we can assist.
There a joke cost $2.95 to buy a card add money cost you then to even use the money you load on the card cost $2 every time you use the card. They’re a complete scam. Do not use this company
Reply from Netspend2026-02-02
We do offer different fee plans such as a monthly option and we can update the plan for you. Please reply to the information we requested so we can assist.
J
Jesse美国 · 1 review · Experienced 2026-01-27 ·
★★★★★
Okay here is the deal
Okay here is the deal. BS aside. Netspend been a headache since i started with them. Netspend I don't understand why you keep asking me to leave a review. This how you ask me. Would you let us know how we doing . I remember telling you that im the last person you should be asking. Only time you Netspend ever did anything right for me was when i moved to the west an i left a Netspend card behind at the house i was staying at. Anyways when it came time for me to receive SSI benefits check you didn't allow me to. I PEACH an called you out your name an prayed you death. On one of them days i called you Netspend an heard the voice of a young lady that spoke ENGLISH no half ass English but spoke the proper English. When she spoke it sounded like she was signing. She said LOOK JESSE IM GOING TO TRY AN HELP YOU. SO YOU CAN GET YOUR ACCOUNT UNBLOCKED. JUST NEED YOU TO STOP WHAT YOUR DOING AN LET HELP.SHE DONT CALL NETSPEND ILL GIVE YOU A CALL MYSELF ONCE I SPEAK WITH NETSPEND ABOUT LETTING YOU GET ACCESS TO YOUR MONEY. AN GOOD GOD SHE DID IT. CALLED ME WHEN SHE SAID SHE WAS AN MADE A NEW ACCOUNT WITH NEW PASSWORD AN I GOT MY MONEY. BLESS THAT ENGLISH SPEAKING YOUNG LADY. THAT WAS THE ONLY TIME YOU NETSPEND DID ANYTHING RIGHT. THEN NETSPEND SHOWED ITS ASS AGAIN. REMEMBER NETSPEND WHEN THEY STOLE MY MONEY AN I ASKED YOU OVER AN OVER TO ASK FOR PICTURES OF PERSON TAKING MY MONEY OUT AT A ATM. AN YOU DIDN'T. IM STILL HURTING CAUSE OF THAT. I LOST MY PLACE CAUSE COULDN'T PAY MY RENT. ITS REALLY HARD TRYING GET UP FROM THAT. AS YOU CAN SEE IM STILL BUTT HURT. AN YES I STILL SAY NETSPEND YOU OWE ME A LITTLE OVER 900 HUNDRED DOLLARS. YOU OWE ME A LITTLE OVER 900 hundred dollars. I has police standing next to me when you Netspend was sending me alerts about some still trying to use that card to get money out. An i told you Netspend this an you just shined me off. Then just other day you called me a liar. Some about you took down a review i had put out. I can't lie so f you an whoever else feels some type way about what put out in a review. You the lie. Want to be playing Bank lookin ass... an i just found out that you Netspend DON'T report to the credit bureau that i always over draft my cards but you get it all back come day my benefits check hits my account. NEVER FAILED YOU. NOW IF I WERE TO SKIP OUT ON PAYING YOU WHICH I COULD BUT DON'T CAUSE I BET WHAT TO BE PLAYING BANK LOOKIN ASS WOULD DO REPORT IT TO THE CREDIT BUREAU. DUK IS THAT. TAKE DOWN THIS REVIEW GIVE A DUK.YOU ARE GOING TO TAKE IT DOWN CAUSE SPEAK WITH TRUTH ABOUT YOU. SO TAKE IT DOWN WANT TO BE PLAYING BANK LOOKIN ASS.AN ILL BE BACK WITH MORE DIRT ON YOU NETSPEND
Reply from Netspend2026-01-27
We have requested more information so we can look into this. Please respond to our request.
M
Mark Koenig美国 · 2 reviews · Experienced 2026-01-23 ·
★★★★★
Worst banking experience I ever had
Opened a pre paid credit card account and linked my bank account to it. I was able to transfer money from my bank account to the pre paid card, but every time I tried using card it was rejected. I contacted support and after 30 minutes they told me my account wasn't fully activated and they took care of it, but it may take an hour or two before the card works. I waited 7 hours and when I tried to use the card again it was still getting rejected. After another hour with support they told me my account was fine and they would escalate the issue, it it may take days before it is fix if ever. I decided netspend wasn't worth it so I logged into my account and tried to to transfer my money back to my linked banked account, but kept getting error telling me to try again later. So for third time I contacted support and after 60 minutes of them blaming me, the websites I tried to use the card, and my bank for not letting me transfer the money back, the finally agreed to close my account and send me a check for a refund. Of course I have to wait up to two weeks to get the money back that only took them seconds to transfer from my bank account
Reply from Netspend2026-01-26
We're disappointed to hear that you had such a poor experience. We will be investigating what happened to ensure this isn't an issue in the future. Thank you.
m
mikii美国 · 1 review · Experienced 2026-01-22 ·
★★★★★
Big fat scam
I really regret purchasing a card from Netspend. I buy the card at Family Dollar, use it once to buy something off the app store, all of a sudden it starts declining. Also why must I verify myself for a temporary card?? I only needed to see the balance(I thought that was why it was declining but nope) I want my 41 bucks back. Let me get my money back netspend.
Reply from Netspend2026-01-26
We'd be happy to investigate your issue. Please respond to our request for more information so we can locate your account. Thank you.
After 20 + years of having NetSpend they are now limiting how much I can transfer to my spouse. It's not their money and they shouldn't have a say on me getting it. I will be looking for a different place to do business, maybe one with people who speak good English
Reply from Netspend2026-01-20
We appreciate your feedback. Thank you.
L
Luba美国 · 1 review · Experienced 2026-01-13 ·
★★★★★
Shut them down
Bounced a $200 transfer after the first transfer went through ok. Charged me $5 for the card, then another $5 after I called to ask for statements. Thiefs. Customer service replies fast but will demand your personal and financial info such as your regular bank statements. Someone needs to shut them down. I want my $10 back.
Reply from Netspend2026-01-15
Thank you for taking the time to share your experience. Our fee schedule is clear outlined in the terms and conditions that you agreed to when you signed up. We would still be happy to take a look and ensure that everything was handled correctly. Thank you.
This company charges 2.00 every time you use your pin absolutely not me using my pin lets the company know that I the card holder is the user of the card and they wanna charge you for it disgusting money hungry company
Reply from Netspend2026-01-13
Thank you for taking the time to share your thoughts. We are very transparent about the fee schedule associated with your card and you must agree to that schedule when you agree to terms and conditions. We'd be happy to see if you're eligible for an upgrade to an account that has a low monthly fee rather than a per transaction fee. Thank you.
J
J Roman美国 · 1 review · Experienced 2026-01-08 ·
★★★★★
Extra Fees
This company charges you every time you use your own money and to send you a check if you want to close the account.
Reply from Netspend2026-01-09
We're sorry that you missed the fee schedule when you agreed to terms and conditions. We are very open and fully disclose all fees at the time of sign up. Thank you.
D
Deb McKinnon美国 · 1 review · Experienced 2026-01-04 ·
★★★★★
got over $1000 stolen from me from a…
got over $1000 stolen from me from a purchase i made online, waited over a month for my dispute just to have it reopen and immediately denied. got told there’s absolutely no one i can call and nothing i can do. i am extremely upset and i want my money back.
01/ 13/26
how can i give you the information you need? i can’t put an email or phone number this way.
Reply from Netspend2026-01-06
We would be happy to take another look at this issue for you. We've requested more information from you so we can locate your account. We look forward to your response.
Thank you for working to get my money back I spoke to a nice young man promise me they will get get the job done I apologize
I had the the NetSpend card my Disability Social security for 967.00 there is fraud they did nothing to stop it.It was all gone on December 26th 2025 they did nothing to help all I got was runaround lies I gave them all the information they are . I will do anything to stop them from stealing from people how do they get away stealing a Government ✔️
Reply from Netspend2026-01-06
We have reached out to the cardholder about this concern and working to resolve the issue. Thank you.
I don’t know how this company got my data, but I’ve been getting targeted email and mailers. The fact that they send me a card that could be activated perhaps by anyone and they don’t give you any information about how this could work is bullshit in my opinion. This feels illegal And highly unethical.
Reply from Netspend2026-01-02
We'd be happy to remove your information from our marketing. Please respond to our request for more information so we can get that taken care of for you. Thank you.
