Prepaid Debit
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Prepaid Puts You in Charge

With Netspend®, you get a convenient way to manage your money on a prepaid card that is packed with features.

Signing up is simple, because there’s:

  • No credit check[1]
  • No activation fee[2]
  • No minimum balances
Sign Up Now

Card usage is subject to card activation and identity verification.[1]

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

While this specific feature is available at no cost, certain other transaction fees and costs, terms, and conditions are associated with the use of this card. See the Cardholder Agreement or Online Account Center for more details.

A reloadable prepaid card with the convenience, freedom, and control you need.

Get your paycheck or government benefits up to 2 days faster with Direct DepositSM.[3]

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Earn cash back with Payback RewardsSM.[4]

Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A., Republic Bank & Trust Company, Visa and Mastercard are not affiliated in any way with this program and do not endorse of sponsor this program.

Know the moment your money arrives with Anytime Alerts™.[5]

Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Manage your money anywhere with our Mobile App.[5]

Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

And we’re just getting started.

See all features

See what the Netspend Card can do.

Direct Deposit

Direct Deposit

Learn how to get your paycheck or government benefits up to 2 days faster.[3]

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Mobile Check Load

Load Checks from Your Phone

See how you can load checks to your card in a snap.[6]

Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

How to get started.

Get up and running in 3 steps.

  1. Order
  2. Activate and Verify ID[1]
  3. Add Money

See How It Works

Upon successful activation and registration of the Card Account, funds on deposit at Pathward, National Association, or Republic Bank & Trust Company; Members FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at Pathward, N.A., or Republic Bank & Trust Company.

To minimize losses, Cardholder must notify Netspend promptly of any loss of the card or compromise of the Card Account. Does not apply to certain prepaid cards, or corporate cards. Certain terms, conditions and exclusions apply. Please see www.mastercard.us/zero-liability.html for more details.

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account Center for details.

Security features for your peace of mind.

With a Netspend card, there are lots of security features available to you:

  • FDIC-insured through the card’s issuing bank[7]
  • Protected against unauthorized purchases with Mastercard® Zero Liability protection or Visa® Zero Liability policy[8]
  • Virtual Cards to give you an added layer of control over who has your card number[9]
customers served

10 million +

reload locations

130,000 +

year we were founded

1999

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The Netspend Visa Prepaid Card is issued by Pathward, National Association and Republic Bank & Trust Company, pursuant to a license from Visa U.S.A. Inc. The Netspend Prepaid Mastercard is issued by Pathward, N.A., and Republic Bank & Trust Company pursuant to license by Mastercard International Incorporated. Pathward, N.A., and Republic Bank & Trust Company; Members FDIC. Please see the back of your Card for its issuing bank. Netspend is a registered agent of Pathward, N.A., and Republic Bank & Trust Company. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

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Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2023 Netspend Corporation. All rights reserved worldwide. Netspend and Skylight are federally registered U.S. service marks of Netspend Corporation. All other trademarks and service marks belong to their owners.