To Verify your Identity on NetSpend – Open the NetSpend App and sign up with your name, birthdate, residential address, and email address. Once you have received your Netspend prepaid card in the mail after 7 to 10 business days. Netspend will then ask for your government ID to verify your identity and activate your Netspend card account.

Received your Netspend card but haven’t verified your identity yet? If you’re unsure of how to go about it, check out our step-by-step guide.

Netspend, one of the largest providers of payments and financial solutions in the US, issues prepaid debit cards and corporate cards. You can use these cards to withdraw cash at ATMs, pay at retail locations, shop online, pay bills, get cashback offers, and so on. You can also get your salary up to 2 days earlier with Netspend.

Netspend’s cards are insured by the Federal Deposit Insurance Corporation (FDIC) to provide greater financial security to customers.

When you buy a Netspend prepaid card, you don’t have to undergo credit checks or pay activation fees, nor do you have to keep a minimum account balance in your card account. This makes it a commonly used tool for managing finances. 

To use a Netspend card, however, you need to first activate it and verify your identity. If you’re wondering how do I verify my identity with Netspend?

All you need to do is submit a few details, show your proof of identity, and you’re done! 

To know more on how to go about the identity verification process, read on. 

Read: How Much Money Can You Load On a NetSpend Card? 

How Do I Verify My Identity with Netspend

Why Does Netspend Want To Verify My Identity?

When you sign up for a Netspend card account online, the card usually arrives in your mail within 7 to 10 business days after you place the order.

Once it reaches you, you need to activate it and verify your identity to use your Netspend prepaid card. Netspend needs to collect your personal information in compliance with the rules of the USA Patriot Act.

The USA Patriot Act has been enacted to help the US government fight against money laundering activities and prevent the financing of terrorism. It is a federal law that mandates financial institutions and their third-party service providers operating in the US to retrieve, check, and record information for proper identification of its cardholders.

Verifying your identity with Netspend also helps protect your card account from fraud and abuse. It also allows you to access the full range of features on your card account. 

If your identity is only partially verified, you can use your Netspend prepaid card to pay for transactions at retail stores. However, you won’t be able to withdraw cash at ATMs or pay for foreign transactions, nor will you be allowed to do account-to-account transfers and cash reloads. 

Read: How To Verify My Identity on Cash App?

How Do I Verify My Identity With Netspend?

Once you sign up with your complete name, email address, and physical address, you’ll receive your Netspend prepaid card in the mail after 7 to 10 business days.

You’ll then need to verify your identity. To do so, read the printed activation and identity verification steps that are outlined in the materials that come with your Netspend card. 

Follow those steps, and you’re good to go. You can now use your card for all kinds of financial transactions.

Here’s a snapshot of how to verify your identity with Netspend. 

For NetSpend identity verification, you need to submit the following personal details to the company:

  1. Full name
  2. Address
  3. Date of birth
  4. Government ID number

You may also be asked to show your driver’s license or other proof of identification to verify your identity and activate your Netspend card account.

How Does Netspend Verify Your Identity?

When you open a Netspend card account, you will have to submit your personal details to the company. You’ll have to also show your driver’s license or other identifying information such as utility bills or pay stubs to verify the details you submitted.

With the help of these documents, Netspend will verify your identity and give you access to your new card. 

Read: Why Does Cash App Need my SSN and ID?

How Do I Upload Documents to Netspend?

  • Once you go to Netspend’s website or download its app from the Apple App Store or Google Play,
  • You will see an application form.
  • Enter your full name, street address, email address, and birthdate.
  • You may also be asked for your Social Security number.
  • Fill it in and upload a clear photograph of a valid ID such as your driver’s license. 

Now all you need to do is wait for 7 to 10 business days to receive your Netspend card via mail and activate it on Netspend’s website by submitting your card information, including your card number and security code.

You can now use your card.

How Do I Recover My Netspend Account?

You may need to recover your Netspend card account because: 

  • Your card account is locked.
  • You forgot your account login details such as your username or password.

Your Netspend account may become locked if you give an incorrect PIN three times in a row or your card has expired or has been reported as lost or stolen.

If you get locked out of your account, the fastest way to recover your Netspend account is to contact Netspend’s customer service team. Call them on their toll-free number 1-866-387-7363 or email them at You may also contact customer service on their social media pages on Facebook, Instagram, and Twitter.

On the other hand, if you can’t remember your username or password and need to recover your Netspend card account, go to the login page of Netspend’s website or app. Click on the “username” or “password” links in the phrase “Forgot your username or password” located below the “login” button.

To reset your username, you’ll need to submit your email address, card number, and security code. If you wish to reset your password, you’ll need to submit these 3 details along with your username.

You’ll then receive a recovery email that will help you recover your account or create a new password.

How Can I Use Netspend Without a Social Security Number?

Today, most card issuers in the US require a Social Security Number to verify your identity and activate a prepaid card, in accordance with the USA Patriot Act.

It also helps protect your card account from fraud. Netspend, too, requires you to submit your Social Security Number so that it can verify your identity. 

In case you don’t have a Social Security Number or simply don’t want to share it with Netspend, you can submit another government ID number such as: 

  1. Alien registration number
  2. Passport number
  3. Individual Taxpayer Identification Number (ITIN)
  4. Driver’s license number
  5. Native country’s personal identification number

If you are activating your card online, follow the steps below:

  1. Go to the “Activate Card” page from the homepage of Netspend’s website. 
  2. Type in your card number and security code in the respective fields.
  3. Click on the “Continue” button.
  4. Enter your government ID number.
  5. Create a 4-digit PIN for point-of-sale transactions and ATM withdrawals. 

Your Netspend card is now activated and ready for use.

If you prefer activating your card via phone, here’s what you need to do:

  1. Call the Netspend customer service team at 1-866-387-7363.
  2. Select “Activate New Card” from the menu options.
  3. Provide your card information such as your card number and the three-digit security number on the back of your card.
  4. Your call will be transferred to a customer service representative who will ask for some identifying information such as your birthdate, address, and government identification number.
  5. Provide the required information.

After verification, your card will be activated.


Verifying your identity with Netspend is quite easy. All you need is to have your details ready and fill in a few documents.

It’s also not mandatory to have a Social Security Number to verify your identity and activate your Netspend card. Any approved government identification number will suffice. This makes the process convenient and easy.

We hope that our article helped you verify your identity with Netspend.

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