No, NetSpend cards do not come with money on them. You load money onto the NetSpend card via Direct Deposit, Netspend Reload Locations, Bank Transfers, and PayPal, between Netspend Accounts.

How much you add to your balance acts as your spending limit and once you’ve spent the balance, the card becomes unusable until you add more money to it.

The Netspend prepaid card has taken the world of prepaid debit cards by a storm. It’s not just some clever marketing trick. Having a Netspend account is both convenient and time-saving for customers.

If you’re also thinking about getting yourself a Netspend prepaid debit card but you’re not sure how they work you’ve come to the right place.

This article will answer all your questions about getting started with Netspend cards including whether your Netspend account comes with money. How can you load money when you need to?

Tag along and find out about all this and much more.

Also Read: Can You Track Your NetSpend Card in the Mail?

Does a NetSpend Card Come With Money On It

How Much Money Does a Netspend Card Have on It?

If you’re curious about if a Netspend card comes with money on it, the answer is none. Sadly, you have to load money to your card yourself. But, that’s a good thing. Since you’re using your own money you’re not exposing yourself to unnecessary credit risk.

But don’t worry Netspend has its own benefits. For example, if you’re signing up with a referral link you get a $20 credit. But you have to make a direct deposit of $40 first. If you refer a friend and they sign up with your link then both of you get $20 each. Of course, they’ll have to make a direct deposit of $40 first.

Continue reading to find out the different ways to add money to your NetSpend account.

Prepaid Debit Cards

Before we go any further let’s go over the basics of prepaid debit cards. Prepaid cards are essentially cards that come with money already loaded on them.

You buy a prepaid card and it has a certain amount loaded on it. You can then use your credit card to pay for things. But you should be careful. You can only spend the amount loaded on your card.

The Netspend Prepaid Debit Card

The Netspend Prepaid Mastercard and the Netspend Visa prepaid card are among the top-of-the-line credit cards at the moment. And so, the Netspend prepaid card works just like all other prepaid cards do.

Use your Netspend card wherever you would use a debit Mastercard or your Visa debit cards. Use it to pay at online stores or while you shop stores physically. Every transaction is secured and backed by the FDIC. Just make sure you don’t cross your credit limit.

The Perks of a Netspend Card Account

Here are all the pros of investing in a Netspend card.

  1. Netspend cards are accepted everywhere a debit Mastercard or Visa debit card is accepted.
  2. Make ATM withdrawals worldwide.
  3. Minimum balance and credit check aren’t required.
  4. Get your card via mail within 10 days of card activation and identity verification.

Credit Card vs. Netspend Card

A Netspend card might sound a lot like a conventional credit card. However, it’s best not to confuse the two as they are both very different things. Netspend is a prepaid debit card that is not the same as a credit card. However, there are many other differences as well.

Here are all the ways you can tell the two apart.

  • Netspend requires you to load money into your card account whereas with a credit card you get revolving credit.
  • Prepaid cards mean you use your own money. Whereas, with credit cards, you borrow money and pay it back at a later date.
  • A Netspend card offers no additional benefits like a traditional credit card.

How to Load Money on Your Netspend Card Account?

If you’re looking to load money on your Netspend card then there’s good news for you. There are many different options to do this and you can choose the one that suits you best. Just make sure you carefully follow the payment instruction for each method.

1. Direct Deposit

Making direct deposits in your Netspend card is straightforward. You can use your government and payroll checks to make a free direct deposit anytime.

2. Netspend Reload Network Locations

You can find Netspend reload locations almost anywhere in the USA. They have over 130,000 reload centers scattered all over the country.

3. Bank Transfers

Having a US bank debit card or a bank account is enough to make money transfers into Netspend cards.

4. PayPal

Paypal is another convenient option for Netspend customers to transfer money into their accounts hassle-free.

5. Netspend Payment Network for Local Netspend Accounts

Transferring money from one Netspend card account to another is one of the easiest ways of recharging your account.

6. Tax Refunds

A tax refund can be used effortlessly to recharge your Netspend card accounts.

What Banks Are Linked with Netspend?

Netspend is backed by some of the most renowned banks in the United States of America. Particularly the Republic Bank and Trust Co., Bancorp Bank, MetaBank, and National bank issue Netspend cards.


How to open a Netspend account?

Getting Netspend accounts is an effortless process. Fill out an online form. Then send them your name, address, date of birth, and government ID number. You’ll receive your card after Netspend corporation makes the necessary verifications.

Do I have to pay transaction fees and cash withdrawal fees while using Netspend?

The Netspend prepaid visa cards offer you pay-as-you-go services or you can choose a monthly plan if you wish. But whether you choose to pay a transaction fee every time or pay a lump sum monthly fee, you’ll still have to pay.

The same thing applies to any cash withdrawal you make. You should also make sure to go through the cardholder agreement thoroughly since the fees are higher for international ATMs.

Can I improve my credit scores with Netspend?

Sadly, you can’t improve your credit score with Netspend. That’s because it’s a prepaid debit card, not a credit card.


If you want a convenient way to manage your personal finance, Netspend is the way to go.

Does a Netspend Card come with money on it? No. But there are many easy ways for you to load your card with cash. Withdraw your cash or pay bills with your Netspend mobile app.

With no need for a minimum balance or credit check, Netspend is the card of the future. 

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