Netspend

NetSpend

About this app

YOUR MONEY, YOUR WAY WITH NETSPEND

GET PAID UP TO 5 DAYS EARLY¹

Set up Direct Deposit to receive your government benefits up to 5 days early¹ and your paycheck up to 2 days faster¹.



UP TO $300 IN OVERDRAFT PROTECTION²

Short on funds? We’ve got your back. Our optional Debit Card Overdraft Protection gives you a 24-hour grace period² to avoid overdraft fees by bringing your balance back to positive.

EARN UP TO 6.00% APY ON SAVINGS³

Grow your money with up to 6.00% Annual Percentage Yield (APY) with an optional Netspend Savings Account³.



130,000+ RELOAD LOCATIONS⁵

Add funds at over 130,000 locations nationwide with the Netspend Network⁵.

NETSPEND IS GOOD FOR:

• People & families wanting to manage their finances on the go

• Unbanked or underbanked individuals

• Freelancers who need flexibility in their financial solutions



Join millions of customers who trust their money with Netspend. Sign up today⁶!

Banking services provided by Pathward®, National Association, and Republic Bank & Trust Company; Members FDIC. Deposit Account opening is subject to registration and ID verification.⁶

See Developer Website netspend.com/info/app-terms for full disclosures.

© 2025 Ouro Global, Inc.

Ratings and reviews

I've had netspend for over a decade, I used to love this company. I am now ready to switch to another option such as chime. Netspend has EASILY become the most expensive option out there in regards to fees, policies etc. They used to allow a free 🏧 draw. its now 3.00 for every single one. 1.50 for EVERY declined transaction. on top of monthly fee. 20 for EVERY overdraft. They've become absolutely shady. They will also deactivate overdraft without cause, reason, or warning. AVOID at all costs.

The app works fine. I'm not going to use the service anymore due to the inconsistent pay dates. I do human resources for one of the companies I work; however, the time it takes to be paid after the instance payroll is posted varies from 1 to 3 days, so I'm never sure when my direct deposit will go through. There are other banking systems that offer more consistency, with no fees. I'm over this outsourced company. I've always had trouble communicating with them through phone calls. I'm over it.

I've been with them for many years, at least 10. The only fee I'm charged is $5, unless I use the ATM (atms own fee). However, my only issue is the advertisements state that you can pull about $900 daily through ATM, but it has never let me go beyond $300 daily. this is frustrating when you have higher bills (like rent), that your trying to just get paid (no online option), without having to sit and wait at the bank and charged the bank fee for the withdrawal, or having to draw multiple days.

What’s new

We’re always working to make the Netspend app better and faster for you.

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