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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Every time. We believe that everyone should be able to make sound financial decisions without hesitation. While our website doesn’t include every financial or company product available on the market however, we’re confident that the guidance we offer, the information we provide and the tools we develop are objective, independent simple, and completely free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it does not affect our advice or suggestions that are based on many hours of study. Our partners cannot promise us favorable review of their services or products. . Netspend review of the Prepaid card by Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposits Spencer Tierney is a consumer bank writer at NerdWallet. He has covered personal finance since 2013, with a focus on deposit certificates and other banking-related topics. The work he has written for him was featured on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is based in Berkeley, California. Feb 10 2021 Edited By Alice Holbrook Assigning Editor | Banking, savings, and homebuying services Alice Holbrook joined NerdWallet in 2013 and is currently an editor on the team for home/mortgages. Prior to that, she was an editor for the team that dealt with banking, covered insurance and banking as a writer as well as working at the copy desk. The work she has written for her was highlighted by USA Today, MarketWatch, Newsweek and The Washington Post. Email:

. Many or all of the products we feature are made by our partners, who pay us. This impacts the types of products we review and where and how the product appears on a page. However, this doesn’t influence our evaluations. Our opinions are our own. Here’s a list and . Netspend’s debit cards for prepaid are expensive alternatives to a checking account. They’re simple to open, and there’s no credit or banking history necessary to sign up, however, Netspend makes you choose between paying a monthly fee or paying a fee every when you purchase. In either case, you could spend more in fees in a year than what you can earn in interest from the savings account of your credit card. There’s a reliable nationwide network of over 130,000 cash reloading points, but it isn’t free and there’s no ATMs accessible for free. Ideal for: People looking for a card to pay that doesn’t let you be in negative territory or charge fees for overdrafts, except if you choose to add overdraft coverage. For those who have struggled managing a bank account previously. Check out other options: Check out our selection of Netspend Cards Pros 5.00 Savings account with APY of 5% for balances up to $1,000 and 0.50% APY on the balance that is greater than that. Easy access to adding and withdrawing cash from a range of retailers. You can get your paycheck up to two days early by transferring your money directly. Overdraft grace time or courtesy cushion are available with optional overdraft coverage. >> Looking for ways to improve your credit score? Discover Netspend Card Cons A monthly fee for the basic fee plan, and there is no way to eliminate the fee entirely. No free network for cash reloads or withdrawals. Inactivity fee when you stop making use of the credit card in addition to other charges that card brands don’t charge. Overdrafts are an option that costs you $20 per overdraft, at least five times per month. >> Ready to start a savings account that is traditional instead? Learn more about prepay debit cards What is a credit card that is prepaid? A prepaid debit is an alternative to a credit card that lets you use the money you have loaded onto the card. They don’t help you build credit. Like a debit card, it can be used with any retailer that accepts their payment network, which includes Visa, Mastercard or American Express. It’s more secure and easier than using cash. The prepaid cards usually have a mobile app to deposit checks and transfer money. Learn more on our . Unlike checking accounts, prepaid debit cards might not have certain services, such as free ATM or branch networks, as well as checks, among other things. If that doesn’t work for you, see our selection of . If you’ve been struggling with banks previously try these . Prepaid debit card in comparison to. debit card vs. credit card prepaid debit cards — pay before: You load money onto the card via cash, checks or direct deposit into an account with a bank before you pay for transactions. Credit cards — make payments right now Pay now: You make use of funds directly from your checking account when paying for purchases or withdrawing funds from ATMs. Credit cards — pay later: You can borrow money from a bank when you use the card and pay the money back in the future. What exactly is FDIC insurance on credit cards that are prepaid? Prepaid debit cards almost always include FDIC insurance, which ensures that your funds protected in case the issuer goes bankrupt. Only financial institutions can be covered by FDIC insurance, therefore a prepaid card is either operated by a bank, or a prepaid credit card company that has a partnership with a bank to offer this insurance. You must register your debit card in prepaid form with your name and any other details of identification to be eligible for FDIC insurance and other protections. The author’s bio: Spencer Tierney is an expert on deposits and certificates at NerdWallet. Its work was featured in USA Today and the Los Angeles Times. In a similar vein… Get an account that is more suitable for checking View NerdWallet’s top picks for the top checking accounts. Go deeper into Banking Find more money-saving strategies delivered straight to your inbox Sign up and we’ll send you Nerdy articles on money-related topics that are important to you as well as other methods to help you make the most from your money.

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