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Money & Insurance

Netspend

200 reviews

2.8200 reviews
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About Netspend

Data updated
Website
www.netspend.com
Category
Money & Insurance
Location
United States · Austin
Status
Unclaimed
Last 12 months
80 reviews
Replies to negative
99% (106/107)
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Is Netspend legit?

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

P
Patient · 5 reviews · Experienced 2025-06-13 ·

They give a high over draft amount

They give a high over draft amount. And payback is not bad ..

Reply from Netspend2025-08-05

Our overdraft feature is pretty great right? Thanks!

Y
Yakisha · 2 reviews · Experienced 2025-07-24 ·

It takes too long to spend your money…

It takes too long to spend your money you uploaded. I had to have a good amount of patience. I had to pay something and waited 2 days just to pay. I don't like the new system. mail and send documents in.

Reply from Netspend2025-07-27

We take account security very seriously. Verifying the identity of account holders is part of how we keep your money and our system safe. We appreciate your patience while we protected you and our system. Thank you.

S
Scott Wallace · 1 review · Experienced 2024-12-31 ·

I'd give Netspend a negative million…

I'd give Netspend a negative million rating if it were possible.The company adamantly refuses to reverse the unauthorized transactions.The woman(E.F.) on the corporate response team in January 2025 who was assigned to my case never answers me when I call her direct number(1-800-264-8359) nor does she call me at my chosen day and time within Netspend business hours even after requesting a day and time to receive a call from her.Netspend is not committed to doing what is right.A greedy,incompetent company such as this needs to be sued into oblivion.The unauthorized transactions date back to 2023.

Reply from Netspend2025-07-23

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!

L
Lillian Carter · 4 reviews · Experienced 2025-06-26 ·

Do not use this company they are…

Do not use this company they are worthless. A hotel in Nashville refunded me my money back on June 26th. I have called several times because the hotel immediately refunded me my money even sent me an e receipt showing that they had refunded every time I call Netspend to see why my money is not back on my card they say oh takes 7 days then 2 hrs now these frauds are saying I need to send in the name of hotel name of manager hotel phone number. When they clearly see the merchant has refunded my money. Do NOT USE THEM IF YOUR MONEY IS STOLEN THEY WILL DO NOTHING WORTHLESS SCAMMERS

Reply from Netspend2025-07-14

We have requested information from you so we can investigate this issue. Thank you.

D
Daxx Saladino · 2 reviews · Experienced 2025-07-03 ·

Where is my money, NetSpend?

Please tell me why a paper ID is not acceptable when that is what the state deems acceptable? You have my old id, paystub, tax return, alt bank statement, SS card. You never had a problem accepting who I am since 2012. Not once did you ask for my id. This is unacceptable. It can be 2-6 weeks before I receive my permanent ID. I can't even access my account. I do not feel like my money is safe. I have kids and seniors I am responsible for. Where is my money NetSpend? ref4007813640

Reply from Netspend2025-07-05

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!

D
DSE pop stack · 2 reviews · Experienced 2025-07-01 ·

U guys not sending information will not…

U guys not sending information will not contact me

Reply from Netspend2025-07-01

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!

R
Russell Clark · 2 reviews · Experienced 2024-06-12 ·

Never Will They Call Me A customer again.

Once again, learning that a large corporation has everything in mind with making your money theirs has not yet been so blatantly exercised in personal experience as these people have so unprofessionally displayed. I might even be centimeters away from suggesting criminal element in the policies and actions of this warped and ungodly financial brainchild. These people need to be shut down. Quite frankly, I hold so much more confidence in a company who's founder is no longer with us (CASHAPP) than I do NESTSPEND. The reasoning is simple, I've never once had the need to speak with customer service at CASH APP because CASH APP doesn't clown me using my own money. Nestspend should've be a thing of the past a loooong time ago. Seriously.

Reply from Netspend2025-06-13

Well my goodness! What happened? How can we be of assistance and make things right?

S
Sherri Kaiser · 2 reviews · Experienced 2025-05-30 ·

I love NetSpend

I love NetSpend, love getting my funds 2 days early., customer service is always there to help me whenever needed., my friend recommended me to NetSpend. Thank You you’re awesome!

Reply from Netspend2025-06-09

Hi Sherri, We appreciate the love, and the love of receiving your deposits early is a big plus as well. Having a reliable customer service team is such a great feature, and we welcome any and all recommendations. Thank you for being awesome as well, and thank you for great review!

T
TRACIE CRAWFORD美国 · 3 reviews · Experienced 2025-05-17 ·

BE A NETSPENDER 4 LIFE

I have been with Netspend for years & I would not trade them for any bank in my town, they have always had my back over the years. My account has recently been hacked no thanks to walmart stores an before the money could even be stolen Netspend froze my card. I am so grateful I chose this bank & card I've never regretted it once... HUGE SHOUT OUT GREAT JOB MAKING CUSTOMERS FEEL LIKE THEY TRULY MATTER...

Reply from Netspend2025-06-09

Hi Tracie, We truly thank you and appreciate your loyalty over the years, and we look forward to many more years to come. Having fraud attempts are never ideal, but knowing your card was frozen to prevent it is a sigh of relief. We value your commitment, loyalty and shout outs as well, and we thank you for this great review!

W
Will Marsh · 1 review · Experienced 2025-05-09 ·

Difference in this year renewal card

Last year NetSpend card gave me the option of adding as much as I desire for one fee. This renewal card now only gives me a 500 dollar limit per adding which makes me spend a fee each time , when I need more then that amount on my card, plus the inconvenience of going to different places to keep adding more money.

Reply from Netspend2025-06-02

We understand the frustration of being limited to manually loading your card account. We do provide different solutions to load your account that may have increased limits for you. Please speak with a member of our customer service team to go over the details. Thank you for your review.

D
Dylan Ashby · 1 review · Experienced 2025-04-03 ·

Mobile sign in

I have been trying to sign into my mobile app for over 2months now. I had to change me old email because of security issues. I then had my email changed and is up to date with the one on file for my account. However I can't login due to the security code always being sent to my old email. I have called numerous times sent numerous emails. I have been told the same things over and over and still am unable to login to mobile account. I am thinking the only way to correct this issue is to try a different prepaid company and hopefully not have this same issue.

Reply from Netspend2025-05-28

We would like to review the issue further and determine if any possible resolution. Please contact us at [email protected] with your contact information and details of your issue and account, and a member of our team will reach out to you. Please mention you reached out to us on Trustpilot. Thank you.

D
Darlene O'Hara · 1 review · Experienced 2025-05-26 ·

I haven’t had any serious issues with…

I haven’t had any serious issues with Netspend and my only negative is that I have issues understanding the agents. They don’t use American agents.

Reply from Netspend2025-05-27

We appreciate the feedback regarding our agent teams. Thank you for this good review.

J
Jacqueline Gray · 1 review · Experienced 2025-04-18 ·

Some one hack into my account and you…

Some one hack into my account and you never never gave me back My money at all

Reply from Netspend2025-05-23

We'd be happy to review the situation. Please respond to our request for more information.

V
Voruality · 8 reviews · Experienced 2025-03-19 ·

Trash bank company

Used netspend 3 years ago its stll bad they charge a 9 dollar fee each month as they have locked me out of my bank account for no reason after not using it for months do not use this bank please it's worse then paypal prepaid

Reply from Netspend2025-05-23

We're sorry to hear that you're not enjoying your experience. We'd be happy to speak with you and help get you back into your account.

C
Clyde R Williams · 1 review · Experienced 2025-05-21 ·

Cool card to have

Reply from Netspend2025-05-22

We think our card is cool as well, and thank you for this great review!

T
Thomas Jones · 1 review · Experienced 2025-03-12 ·

My card was hacked on Apple Pay and got…

My card was on Apple Pay and got hacked they got me for 400.00 and they didn’t find fault in it. I even gave them the guys name and where it went and filed a police report. I wouldn’t recommend this bank. I’ve been banking with this bank for years and they done me dirty

Reply from Netspend2025-05-22

We would like to review the issue further and determine if any possible resolution. Please contact us at [email protected] with your contact information and details of your issue and account, and a member of our team will reach out to you. Please mention you reached out to us on Trustpilot. Thank you.

D
Dawna Schwab · 2 reviews · Experienced 2025-05-02 ·

Love the fact that I spend on what I…

Love the fact that I spend on what I like. Safe

Reply from Netspend2025-05-22

Having the ability to use your card the way you like is a great feature. Thank you for this great review!

T
Troy · 5 reviews · Experienced 2025-05-15 ·

Early direct deposit is great.

Reply from Netspend2025-05-20

Receiving your deposits up to 2 days early is one of our best features. Thank you for this great review!

J
J.W. Olrich · 3 reviews · Experienced 2025-05-02 ·

Nickel and Dime

I use many online banks as well as local branches for different bills, savings, loans, etc. I have never in my life had a bank that charged me $2.00 every time I swiped my card for a purchase! Whether I use my pin or run it as debit, Netspend charged me a $2.00 fee. I guess it's my fault for not reading all the fine print. Best bet you will never see me with a Netspend card, nor recommend such a company that wants to nickel and dime people out of their hard earned money!

Reply from Netspend2025-05-20

The fee per transaction is included in the Terms and Conditions and is agreed upon during the activation process. You can reach out to customer support to determine if there are options to avoid the per-transaction fee for every purchase. Thank you for this review.

K
Kristian Riggins · 13 reviews · Experienced 2025-05-02 ·

Very well put together bacant get any better nk I need…

Very well put together bank I need system.

Reply from Netspend2025-05-20

We appreciate the compliment very much. Thank you for this great review!