Check out our latest communities fighting
AI scams on Reddit and Facebook
On SmartCustomer, businesses may not offer incentives or pay to remove reviews. Learn more about our Review Guidelines.
NetSpend's reputation is largely tarnished by pervasive customer dissatisfaction, particularly related to its customer service and account management. Many users report significant challenges in activating cards, accessing funds, and receiving timely support, often facing long wait times and unhelpful representatives. Concerns about account security and unauthorized closures further exacerbate frustrations. While a few customers have expressed loyalty and satisfaction in the past, the overwhelming sentiment reflects a lack of reliability and transparency. Overall, potential customers are advised to exercise caution and consider alternative options for prepaid services.
This summary is generated by AI, based on text from customer reviews
We monitor reviews for authenticity
Called git the recording, verified SSN, DOB to set the pin. My card is inly $25. That i have it for 6 months i never used. Then speak with the representative. Verified personal
info again! Gave that info, and they want me to send them my drivers license and social security card why?! For $25? I told them i will never give my social. I will never ever get this card and i will never ever refer this to anyone! This is scam!
They lock my card and it takes 6 hours to verify my documents. Ridiculous! Dumbest card company ever
We're sorry to hear about your experience. To speak with us about your concerns, please email [email protected].
Thank you,
Netspend
Do not waste your money! This company should be turned into the better business bureau the card is registered before we even opened the packet. Then we tried to activate and our name didn't match. Essentially - their way of stealing your money! Literally was told we have "forfeited" our funds to their financial institution.
That doesn't sound right. We would like to look into this. Please email us at [email protected] so we can assist.
Thank you,
Netspend
I have had my Netspend card hacked TWICE in a 2-3 month span. First time, over $400 and that took FOREVER to get the money back. Now here we are again, I got $250 stole from me and Netspend does not want to help anyone. They say it can take 30, possibly 45 days for the dispute to be solved. I just need my money back ASAP that was stolen from me, I have bills to pay before stuff gets shut off! Once, I get this $250 back, I will be closing the account because I am tired of people taking my money! This has never happened with any other card I have had.
We're sorry to hear about your experience.
We are happy to speak with you about the dispute process. Please email us at [email protected].
Thank you,
Netspend
Holds your money when it supposed to be deposit once they receive it I'm going back to Bank of America neva had these problems
Hello,
We're sorry to hear that you are unhappy with your services.
We don't quite understand the issue. To speak with us about your concerns, please email [email protected].
Thank you,
Netspend
I activated my card with 150 dollars and was never able to use it. I called them multiple times and all they did was tell me that the places I was trying to use the card at did not except the card and for me to try it at another place. And I did as they said. I was never able to use my card and they wouldn't put it me threw to anyone of authority. Each time they said they would put me threw to a supervisor I would be on hold for 30 plus minutes. This happened more than three times. I am disgusted with this company. I highly recommend that nobody ever use this company ever ever ever. They can not be trusted at all.
Hello,
We're sorry to hear that you haven't been able to make purchases with your card. We can go over your options to access the funds on the card. Please email us at [email protected].
Thank you,
Netspend
Yes there idiots if you have an unauthorized charge that will cancel your card send you a new one so you will have to call all your auto pay and give them a new number and then that will pay the unauthorized charge any way even after talking to you on phone even if it is in the pending status when you vall
Unfortunately, we don't have the option to cancel or stop transactions. We can assist with disputing unauthorized transactions once they post, and making sure that a replacement card is ordered.
To speak with us about your concerns, please email [email protected]
Thank you,
Netspend
Received one as a Christmas gift. Couldn't ever seem to get the card to work. After several tries i finally called and was told i was being charged $1.50 per attempt even if the transaction didn't go through. When i asked for a manager i was put on hold for 30 minutes and counting. Awful customer service and would never buy one of these! Not sure if i'll ever get my $50.
We're sorry to hear that. Netspend offers prepaid debit cards, not gift cards. For assistance with activating your prepaid debit card, please email [email protected].
Thank you,
Netspend
I got this as a Christmas present with $100 on it. I activated it. They ask for WAY too much personal information which was weird. My Netspend card was declined at multiple locations on a road trip. I called the phone number on the back of the card which told me me account balance was $0. I spent 15 minutes on their phone system pressing every button to try to get a live person to explain what happened to my money. No live person was an option. I thought I was an isolated case till I read these stories here.
Geez... Do you see a trend? Stay far away.
We're sorry to hear that. Netspend offers prepaid debit cards, not gift cards.
Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.
This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification are required before you can use the Card Account.
The fees for using the card and for maintaining the Card Account, including maintenance fees, are fully disclosed in the Cardholder Agreement that was included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.
To speak with us about your experience, please email [email protected].
Thank you,
Netspend
Received a card as a gift, which I assumed was like an ordinary giftcard. Set it aside and forgot about it until I discovered it ~1yr later. The card was never activated. I tried to activate it, but was not allowed to due to the time even though the card itself said it was still valid (according to "Valid Thru" date). Ok, so they ship me another. It arrive, I activate it, and find they've been charging me $6/mo every month! Apparently there is a hidden inactivity fee if not used within 90 days... and that timer starts from the moment someone put money on it.
I called to inquire about this and explained how the card wasn't even activated. After 20 minutes on the phone with them and essentially being repeatedly told "it is what it is", eventually they offered to give credit me back 3 of the 13 charges. Better than nothing, but they basically stole $60.
If you get or have this card, you MUST use it right away or suffer the hidden consequences.
We're sorry to hear that.
We offer prepaid debit cards, not gift cards. The fees for using the card and for maintaining the Card Account, including maintenance fees, are fully disclosed in the Cardholder Agreement that is included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.
To speak with us about your concerns, please email [email protected].
Thank you,
Netspend
I just meant to buy a gift card. Just grabbed one at walmart. THEN I realized it wasn't what I thought it was. I tried returning it but walmart won't take it back. I have tried cancelling it but the phone number wants personal info (social #) just to talk to someone. I sent an email to them but haven't heard back. BTW on the phone it offers more choices to talk to someone if I push #4. Pushing 4 only gives a message that it is invalid. I guess I am luck I only put $30. On it. For a loss of $32.94. Not much to many, but I am retired on a fixed income and really can't afford to lose what I haven't saved and budgeted for. I will keep pursuing a way to get my money back. BBB, all review sites, and emailing them.
Like other financial companies that offer prepaid debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.
This means that we will ask for your name, address, date of birth, and your government ID number during the activation process.
We offer several options if you do not wish to fully activate the card. For additional assistance, please email [email protected].
Thank you,
Netspend
They blocked my card the week before Xmas and I was unable to buy food for the last week of December, bills are due and still I uploaded my photo ID and SSN card big mistake now I must check my credit because they will use it for fraud. I had a direct deposit full check and they said there is no money and you need to call your Job for your refunds, I was told be Netspend that my paper check will come in the mail in seven days now I was told there is no money sir! NETSPEND STOLE MY ENTIRE CHECK I CALLED MY job & shouted why would you put anything on the card when it is canceled! Netspend owe me my back refund I had money in my account the week of Xmas that is gone no check in the mail! No money at all this week from my job I have to wait five days for them to receive that back in their payroll then send me out a check. I complied to the fraud scam thinking they will unlock my account NEVER REJECT! WE NEED A CLASSACTION LAWSUIT LAWSUIT THIS IS A FRAUD COMPANY IN INDIA NO ONE SPEAKS ENGLISH AND THEY DO NOT CARE. MY account is closed and they tell me to send in more documents from my job and from me once again so they can reject the info. I have been thru this for four weeks now, my money HAS BEEN STOLEN AND THEY ARE LYING STEALING PEOPLES DIRECT DEPOSIT LAWSUIT! WE NEED HELP FROM THIS COMPANY IF YOUR A COMPANY AND KNOWS HOW TO SET UP A CLASSACTION LAWSUIT PLEASE LET US KNOW. NETSPEND IS A FRAUD!
Thank you for taking the time to leave thorough feedback on multiple sites. We have offered you [email protected] as a way of finding out more information. Please let us know if you would like our assistance.
Thank you,
Netspend
I will not recommend anyone to open an account with netspend they suck. They know I reported my card stolen my card is still not here it's been 14 days what is going on
We're sorry to hear that you are unhappy. We do not quite understand the issue. For assistance, please email [email protected].
Thank you,
Netspend
Would like to suggest, for everybody to NOT use NETSPEND! If possible... they pissed me off, BIG TIME!
***** I will NEVER use NetSpend! I loaded $200, on a PREPAID, PayPal debit card... and they won't let me register it, because apparently I am dead... I contacted the social security office, and sent EVERYTHING they asked for, just for them to tell me, I'm still dead! Now I gotta wait 10, days to receive a check! And tomorrow, I'm calling PayPal... and telling them to cancel my PayPal, too! I AM DONE!
Letter sent to them, after they emailed me, saying they won't do anything for me, but send a paper check, as a refund! I was using it to pay a bill, that was due 11/23... so I'm sure there will be extra charges, on top of that now, too...
****They are sending a refund check to this "so called" deceased person, (who the social security office says is alive), that PUT $200 on a prepaid debit card, and expect this same deceased person, to cash a check?
Makes no sense, to this deceased person!
And told this deceased person, that they cannot use NetSpend! Trust me, you don't have to worry about that! This deceased person, will let her family and friends know, what a joke you guys are, and will make sure EVERYONE knows, to NEVER use NetSpend, again!
This is the worst experience I have EVER had in my 52 years of LIFE! And you could believe, I will write a review, EVERYWHERE I CAN!
We're sorry to hear about your experience. We would be happy to speak with you.
For assistance, please email [email protected].
Thank you,
Netspend
These cards are a joke they are a huge pain to get activated and there customer service has literally zero service... avoid netspend like the plauge
We're sorry to hear that you weren't able to activate your card online or through the automated line. For assistance, please email [email protected].
Thank you,
Netspend
I had a netspend card... and 3 times someone used my account! Someone used my card for 25 dollars about 5 months ago and I still didn't get my money back! Everytime netspend would send me a new card, someone would use my account! DO NOT WASTE YOUR TIME WITH NETSPEND
That doesn't sound right. We are happy to check on the status of your dispute claims. Please email us at [email protected].
Thank you,
Netspend
It up__1400. They tolrtheyert sorry the government should investigate tthee stalstan disability anhadastroke
We highly regret the inconvenience. However, we could not understand the exact problem that you are having with the app. Please shoot us a message at [email protected] with relevant details. We'll be more than happy to assist you.
Thank you,
Netspend
Bought a nexspend card and added $500 to it. Activated it and sent in my id. Went to use it and was declined. Told I not accepted and will return my funds to my address on file. But how long must I wait for my money! Emails unanswered and phone calls get put on hold for over 30 minutes. They terrible
We are sorry to hear this.
We can check on the status of your refund check. Please email us at [email protected].
Thank you,
Netspend
Do not buy this card, I just lost $100 worth with them, I called costumer service 10 times to verify my identity, Keep my $100 crooks
Its absolutely ridiculous, my son bought this prepaid card to buy some things off his game. Well he attempts to activate the card and can't because they want his social security number, his Birthday, and other things I don't think they should be asking for since its PREPAID! Its his money so why are they taking him through so much to spend his money that he is paying you'll to spend. So I call customer service and inform them that he is a minor and just wanted the card to buy some things off his game. I am told that since he is a minor they have to restrict his card, ARE U F****** kidding me. So now I am so frustrated. This company is a JOKE! REFUND PLEASE! The only reason I gave that 1 star is because I had to.
We're sorry to hear that.
Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.
This means that require users to be at least 18 in order to activate their cards. During the activation process we will ask for a name, address, date of birth, and government ID number.
For assistance with the Limited Use option, or if you have additional questions, please email [email protected].
Thank you,
Netspend
Answer: Hello Erin, We can look into what happened with your account. Please email us at [email protected] for assistance. Thank you, Netspend
Answer: Hi Emily, We are happy to hear that you won your dispute! If you are still waiting, please email us at [email protected] and we will be glad to help. Thank you, NetSpend
Answer: Hello Debra, We will be gladly to assist you with your concerns regarding the restriction on the account. May you please reach out to us at [email protected]
NetSpend is a leading provider of reloadable prepaid cards and related financial services in the United States. We serve the estimated 68 million underbanked consumers who do not have a traditional bank account or who rely on alternative financial services. Our mission is to provide products and services that empower consumers with the convenience, security and freedom to be self-banked.
Since 1999, our products have helped more than 10 million consumers to make purchases, pay bills and manage their money without the need for a checking account or credit history.
Through our nationwide network of more than 70,000 distribution locations and 130,000 reload points, consumers can buy and reload NetSpend Prepaid Cards at neighborhood retailers, check cashers, convenience stores, grocers, pharmacies, insurance providers and tax preparers nationwide. In addition, our direct distribution channel reaches consumers beyond our store-based distributors. NetSpend is also a leading provider of cor...


We're sorry to hear that you are having issues with your prepaid debit card. Your personal information and Card Account security are very important to us. For assistance, please email [email protected].
Thank you,
Netspend