Understanding How Reloading Netspend Card Works

Understanding How Reloading Netspend Card Works

The Netspend Card is a prepaid debit card issued by Netspend, a global payment corporation that allows you to conduct transactions without having a bank account. There is no credit check and minimum deposit requirement when opening an account online or in person, and it only takes a few minutes. You can use your card to make online and in-person purchases, send money to your friends and family and pay bills once you’ve added funds to your account.

Netspend allows you to reload your card in a variety of ways, including depositing directly and mobile check deposit. Knowing your reloading choices for the prepaid debit cards can help you plan ahead and ensure that you have the funds you need when you need them.

What are the options for reloading your Netspend card?

You can recharge your Netspend Card in a variety of ways, including in-person cash reloads at participating shops. Reloads may be subject to a modest cost at some places.

Other Reloading Options for Your Netspend Card

Netspend provides many electronic reloading alternatives in addition to cash reloads in person. Some options rely on the card’s routing and account number, which work in the same way as a traditional bank account.

Make a direct deposit

You can have your paycheck transferred directly to your Netspend Card and receive your funds up to two days sooner than you would with regular banking. Direct deposit is compatible with a wide range of checks, including:

  • Paychecks from work
  • Refunds of taxes
  • Benefits from Social Security
  • Pensions from the Supplemental Security Income Program
  • Retirement benefits for railroad employees
  • Payments for defense finance and accounting services
  • Unemployment compensation varies by state.
  • Social Security Disability Insurance (SSDI) or workers’ compensation are two types of government disability payouts (varies by state)
  • Benefits for veterans

Check the Load on Your Phone

If you need to deposit a physical check into your account, you can use the Mobile App to take a photo of the check using your phone. You can go to the “Mobile Check Load” option within the app to be guided through the process of photographing your check.

Wire Transfer

You can also load money to your Netspend from a checking or savings account. Log in to your account, and after that link your bank account to your Netspend Card to make a money transfer. Remember that transfers may be subject to a fee from some banks.


You can also send money to your Netspend card from your PayPal account. To do so, log into your PayPal account and provide your routing and account numbers. Transfers from a bank account may incur a fee from PayPal.

What exactly is Netspend?

Netspend is a global payment service that provides a prepaid debit card that helps you in managing your money without having a bank account. Direct deposit and bank transfers, and cash reload at over 130,000 reload stations are all options for adding funds to an account. No credit checks or activation fees, or minimum balances are required. The funds on your Netspend Card are insured by the Federal Deposit Insurance Corporation (FDIC) and are safe from illegal purchases.

What is the process for transferring money from Netspend to an account?

To link an account with a participating bank account and then transfer money from your Netspend Account, go to the Online Account Center.

What is the best place to get a Netspend card?

Without a credit check or other upfront costs, you can apply for a Netspend card online. You can also buy a card at a participating retailer, such as Family Dollar, Walmart, and 7eleven. Depending on the vendor, you may be charged a purchase fee. 

Reloading your Netspend Card is not a difficult task, and you can easily do so by following the steps mentioned above. 

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