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.
Customer service needs more training when talking with customers. All the over talking, the uhhs not cool. Especially when you are trying to explain the problem and the agent keeps overtalking you. Now for the biggest issue..had to report card stolen since i had 2 fraud charges on my card..plus 2 $20 overdraft fees. I got the regular money back and now Im being told I cant have my overdraft fees. Something that was out of my control. And now im being told i cant have my money back..yep time to move my money somewhere else..this aint the first time neither
Reply from Netspend2025-12-30
Thanks for taking the time to share your experience. We will pull and listen to the calls and coach our agents as needed. Please respond to our request for more information so that we can address the overdraft fees. Thank you.
I HAVE AN ISSUE WITH HOW IT IS ALLOWED FOR A CUSTOMER TO GET A CARD, PUT A PIN CODE, AND NOT BE ABLE TO USE THE CARD. WHY IS IT ALLOWED FOR A CUSTOMER WITHOUT ID TO GET A CARD AND MAKE A PIN CODE AND STILL NOT BE ABLE TO USE IT? NOW, DUE TO THE LACK OF INFORMATION GIVEN BY THE CARD ISSUER, THIS CUSTOMER MUST NOW WAIT 20 DAYS TO RECEIVE A CHECK IN WHICH SHE MAY BE ABLE TO CASH DUE TO LACK OF VALID IDENTIFICATION. SHE SHOULD NOT HAVE BEEN ABLE TO PUT ANY MONEY ON THIS CARD DUE TO HER NOT BEING ASKED FOR VALID IDENTIFICATION AT PURCHASE. THE BUSINESSES THAT SELL THIS CARD NEED TO BE MORE INFORMED ON NETSPEND'S POLICIES AND PROCEDURES TO ENSURE THIS DOES NOT HAPPEN TO ANYONE ELSE. IF THIS WERE TO CONTINUE, THEN THEY SHOULD NOT BE ABLE TO SELL YOUR PRODUCT.
Reply from Netspend2025-12-16
We appreciate you taking the time to share your thoughts. We'd like to investigate your concern. Please take the time to respond to our request for more information. Thank you.
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Andrew Takaha · 3 reviews · Experienced 2025-12-15 ·
★★★★★
Unable to make outgoing bank transfers
The pros are getting my direct deposit 3 days before a paper check. And being able to overdraft for a $20 fee.
After over TEN years with the company the BIG Cons: I am unable to add my 2 other bank debit cards in order to do transfers. I was able to add a bank account. But every time I try to transfer funds from Netspend which has $849 availabe, an INSFFICIENT FUNDS pop up blocks my efforts!! I called customer service and was assured that this would be remedied within 15 minutes. Lies!
Reply from Netspend2025-12-16
We'd be happy to investigate this for you. Please respond to our request for more information.
J
Joseph Torres · 1 review · Experienced 2025-12-10 ·
★★★★★
Run, don't walk, away from Netspend!
I checked one start only because I couldn't move forward with Zero stars. This is the worst debit card in the world. I received this card as a Christmas gift and attempted several times to activate it, needless to say I was not able activate successfully. When I did speak to someone, they requested all type of personal information. Which is extreme for a debit card to get activated. Finally, on my last attempted I was told that they card could not be used because inactivation fees had been taken out of the card because I did not use the card. The reason I did not use the card was because I could never get it activated. I would never personally use Netspend and I will deter anyone from purchasing a debit card from this company. When I finally, spoke to a "Supervisor," he tried to send me a card with my name that I can load. I told him that I was not looking to receive a card or get any type of account sent up from Netspend. Basically, this company is stealing money from consumers and apparently, they are getting away with this type of business behavior.
Reply from Netspend2025-12-15
We take account verification very seriously and are legally required to verify the identity of cardholders, just like any other bank. We would be happy to investigate what happened and see what we can do to make things right. Please respond to our request for more information. Thank you.
Cornelius from customer service is soooo amazing with his skill of patients omg he deserves a raise I literally rolled home on my bike with five minutes to get my verification code made it back in time an he got the job done love u for that an thanks
Reply from Netspend2025-11-24
Cornelius really is the best! We've let his manager know about your compliments. Thank you.
Very disappointing. For the past several days I’ve been unable to do a transfer from my debit card to my Netspend account. While bank transfers still work, it takes literal days. I called support. They were pointless. They said it should work and there “might be technical issues”. I uninstalled the app, reset my account, etc. Still doesn’t work. I’m going to try Chime instead- at least they have actual support.
Update as of 11/12: I still cannot add money, Netspend still hasn’t reached out. So I’m planning to spend my balance down and cancel my account. I would not recommend that you order one of these cards- you will be sorely disappointed.
Reply from Netspend2025-11-13
This is not the experience we expect you to have. We'll be in touch soon to resolve this. Thank you.
Never received my bonus even though I did the DD requirements. Tried calling was on hold for 30+ minutes. Charging a bank fee in 2025 is a little crazy too.
Edit: They reached out and truly showed that they care. Amazing customer service.
Reply from Netspend2025-11-05
We'd be happy to see if your account qualifies for the promotion. Please email us at [email protected] and provide your full name, the email address on your account and mention the amount of the promotion and that we messaged you on Trustpilot. Thanks!
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Invisible · 2 reviews · Experienced 2025-10-17 ·
★★★★★
I'm very happy and satisfied with…
I'm very happy and satisfied with Netspend and definitely highly recommend it to others .
Reply from Netspend2025-10-27
We are glad to have you as a customer and appreciate your recommendation to others! Thank you for the perfect rating!
Charging me $2 every time I used my card is a little extreme and ridiculous.
Reply from Netspend2025-10-27
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 from Trustpilot. Thank you!
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Amber Racey · 1 review · Experienced 2025-10-08 ·
★★★★★
I have had netspend for 8 years and…
I have had netspend for 8 years and never had a problem until today they RANDOMLY and without warning closed my account, locked me out of my mobile app, and told me because my account was high risk or fraud, like WHAT!? And told me that my funds would have to be mailed to me which could take 10-15 business days…
Reply from Netspend2025-10-27
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 from Trustpilot. Thank you!
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Scott Lear · 1 review · Experienced 2025-09-08 ·
★★★★★
Don't ever buy a netspend card in a…
Don't ever buy a netspend card in a store...they won't give you access to your money.
I bought a card September 8 and I still can't use the card.
Reply from Netspend2025-10-27
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 from Trustpilot. Thank you!
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Daryna · 1 review · Experienced 2025-10-08 ·
★★★★★
Customer service is pretty bad
Customer service is pretty bad. And the system makes it so complicated to activate the card so you can have full access to it. After many struggles and very mad email they finally did it but I lost count how many times I had to contact them.
This shouldn't be this hard.
Reply from Netspend2025-10-27
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 from Trustpilot. Thank you!
Good morning netspend. It would be 5 stars but your fees are awful to high and to many. You have a limit on withdrawal and have to keep repeating it each time with another fee. If it wasn’t for me getting me receiving my check 5 days prior to the 1st each month i would stay with my regular bank. Also you all give the fees with monthly fees on top of it. AWFUL TIMES ARE HARD YOU ALL MIGHT GET A DECREASE IN NEW MEMBERS OR PEOPLE WILLING TO DEAL WITH NOT GETTING IT 5 DAYS ETC WILL DEAL WITH THE BANKS BECAUSE THEY ARE OFFERING UP TO 3 DAYS OR SOONER. OTHERWISE YOUR OK
Reply from Netspend2025-10-02
We appreciate your feedback. Thanks.
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Alex Con · 1 review · Experienced 2025-09-22 ·
★★★★★
Great
Great, use it All the time
Reply from Netspend2025-09-23
Thank you for your 4 star review and being a loyal customer
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Lindsay · 1 review · Experienced 2025-09-07 ·
★★★★★
Do not buy this card
Do not buy this card. They charged a $5.95 fee for inactivity when I had it less than 60 days and charged $2 fee when I used at a restaurant. Contacted customer service and they would not help me. Definitely do not recommend this card after this experience.
Reply from Netspend2025-09-08
We're so disappointed to hear that you must have missed the fee schedule when you agreed to terms and conditions. We'd be happy to talk to you about switching to a Netspend All Access account that has a low monthly fee instead of per transaction fee. Thanks.
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Dan · 7 reviews · Experienced 2025-09-04 ·
★★★★★
Not great if someone pretends to be you
Someone set up an account with my email address so I keep getting emails. I tried to reset password so I could delete and got nothing. Contacted their customer service and was told they couldn't help unless I called them. I just advised them (from my email address) that someone was fraudulently using my details. Unsure how much security there is with them but seemingly pretty easy to set up using someone else's details...
Reply from Netspend2025-09-05
What you were told via email is accurate. If there is fraud involved we need to actually speak with you. Thanks.
We'd be happy to help clarify any questions you have. Just ask!
M
Michael Conlon · 19 reviews · Experienced 2025-08-13 ·
★★★★★
Well this will be my second time…
Well this will be my second time writing a review for NetSpend. My biggest issue is they don't return your money on fraudulent activity. I had almost $800 in charges made to my account some time back. I followed the steps according to how they wanted it done and even went the my local police and obtained a report on the matter, I was found at fault because I accidentally marked charges that were mine so I never received my money and whomever made the charges got away free and clear. They will not protect your money. Please don't use NetSpend. I regret it every day.
Reply from Netspend2025-08-13
We'd be happy to take a second look at your dispute. Please respond to our request for more information. Thank you.
