The NetSpend All-Access monthly fee for this card is $5, but there are a number of other fees you should be aware of before registering for NetSpend All-Access. 

NetSpend All Access is a reloadable card that offers you the freedom to spend your money how you want when you want. But what fees are included?

The NetSpend All-Access card is ideal for consumers who want the convenience of a plastic card without being tied to a traditional bank.

The following will outline all of these fees, as well as all you need to know about the NetSpend All-Access plan, including frequently asked questions about the card.

Read: Is Netspend All Access a Checking Account? 

NetSpend All Access Fee Plan

NetSpend All-Access Plan Fees

There are a number of fees associated with the NetSpend All-Access card. The most notable of these fees is the $5 monthly fee.

NetSpend FeeCharges
Non-network ATM withdrawal, domestic$2.50
Non-network ATM withdrawal, international$4.95
Fee for Balance inquiry$1
Foreign transaction fee3%
Overdraft fees$20
Replacement card fee$3.95
Additional card fee$3.95
Paper statement fee$5.95
Custom card fee$4.95

Unlike some other prepaid card providers who waive all fees once you reach a specified payment threshold, this fee is unavoidable.

List of NetSpend All Access Fees

The other NetSpend All-Access Plan fees include the following:

  • The fee for withdrawing from your NetSpend card using a non-network ATM domestically is $2.50. The fee for using a non-network ATM internationally is $4.95. 
  • To check your balance enquiry at an ATM, the fee is $1. You can check your balance for free on the NetSpend mobile app. The app is also the only way to deposit checks by taking photos of them. 
  • Your foreign transaction fee will be 3%.
  • The fee for overdrafts over $10 is $20. 
  • If you require a replacement card, the fee will be $3.95. The fee for acquiring an additional card is also $3.95. This is the same amount as your first card’s purchase fee.
  • To receive a paper statement you’ll be paying a fee of $5.95.
  • The custom card fee is $4.95. 
  • The reload fee tends to be $3.95, but this can vary depending on the location. The only establishment that offers reloading at no cost is Check ‘n Go.
  • To close your account you’ll need to pay a fee of $15. 
  • There is also a fee of $5.95 if you haven’t used your card for over 30 days.
  • There is no fee for withdrawing from in-network ATMs, nor for activating your card.

Benefits Of NetSpend All-Access

As with any prepaid card, there are pros and cons to the NetSpend All-Access plan. Firstly, the benefits. These include the following:

  • Direct deposits will reach your NetSpend account up to two days faster than they would with a traditional bank account.
  • You can earn cash back on qualifying purchases. These offers can be tailored to your personal preferences. 
  • There is an optional NetSpend savings account, for which you will earn 6% APY (annual percentage yield) on your first $2,000 and on amounts higher you’ll earn 0.5%. 
  • Optional overdraft protection is also available- but it should be noted that if you have this enabled and overdraw more than $10, you’ll be paying a fee of $20. 
  • NetSpend All-Access’s purchase cushion covers you for free if you overdraw under $10.
  • You can use any of the 32,000 in-network ATMs free of charge. There’s also an abundance of partnered businesses that offer in-person reloads, but aside from the occasional exception, you will be charged. 
  • If you don’t want to give your card information either over the phone or online, you’re entitled to request up to six Virtual Cards, which will remain active until the month is over. 

Drawbacks Of NetSpend All-Access

And now the drawbacks. There’s a few to be aware of, including:

  • You are unable to withdraw over $400 per transaction, nor more than $1,000 in one day. You also can’t spend over $5,000 on any given purchase. Depending on the purchases you plan on making with your prepaid card, these limits may seem like a little less access than ‘All-Access’ would have you believe. 
  • You won’t be able to accept any wire transfers. If you’re expecting to receive regular wire transfers, it’s worth looking into other accounts, like a traditional checking account (or, if your banking history is negative, a second chance checking account). 
  • Finally, all the previously listed fees might constitute a drawback in the eyes of some consumers. The $5 monthly maintenance fee is certainly a turnoff for many. 


What Is The Maximum Balance For A NetSpend All-Access Account?

The limit for a NetSpend All-Access balance is $15,000. If you find yourself nearing this amount regularly, consider transferring your money to an account that will yield interest, like a CD (certificate of deposit), a money market account, or a savings account. 

How Do I Add Money To My NetSpend Card?

There are a number of options when it comes to adding money to your NetSpend card. 

  • You can deposit a check directly to your NetSpend account just like you would with a traditional bank account. You can also receive tax refunds and the majority of government benefits via direct deposit. There is no fee for direct deposits. 
  • You can also receive money via mobile check deposits. These are free but can take up to 10 days to clear. You can pay a fee of 1% to 4% for same-day processing. 
  • Funds can be transferred to your NetSpend card online via your bank account or via your PayPal account. 
  • You can also reload your NetSpend card at any participating partner location, of which there are more than 130,000. These include but are not limited to Walgreens, Check ‘n Go, Walmart, Shell, Speedway, Dollar General, Circle K, Albertsons, and 7-Eleven.
  • The only establishment on this list that offers reloading free of charge is Check ‘n Go. The fee at most retailers tends to be between $2 to $3.95, which is quite a bit lower than the reload fee of many competitors, such as Green Dot’s ‘Reload @ the Register’ service which can cost up to $5.95 per reload. 

Bottom Line

There are a number of fees associated with the NetSpend All-Access plan, but the one many consumers find most egregious is the $5 monthly maintenance fee.

Considering certain other prepaid card options are often willing to waive monthly fees once you reach a certain payment threshold, it’s justifiable if you find this unavoidable fee a step too far. 

If you can look past these fees, though, there are a lot of benefits to NetSpend All-Access.

But it’s worth considering all your options before committing- especially since it costs $15 to close your account if you change your mind. 

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