Brinks Prepaid Mastercard review September 2019 |

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Brinks Prepaid Mastercard review

Last updated:  
  • Get this card if… you’re looking to more quickly access your paycheck or want to load your card through NetSpend Reload locations.
  • Pick something else if…you don’t want to pay a monthly fee.


Monthly fee


Monthly fee with a direct deposit


Signature transaction fee


PIN transaction fee


Card typeDebit
Card networkMastercard
Monthly fee$9.95
Monthly fee with a direct deposit$5
Signature transaction fee$0
PIN transaction fee$0

The basics

The Brinks Mastercard is a prepaid card you can use for day-to-day purchases. This prepaid card can be most useful if:

  • You want access to your paycheck or government benefits more quickly.
    Access your funds up to two days faster than you would with direct deposit through a bank.
  • You want the convenience of reloading the card in person.
    You’ll find more than 130,000 NetSpend Reload Network locations in the United States.

Unfortunately, the card comes with a rather long fee table. If you choose the entry-level Pay-As-You-Go plan, you’ll encounter a fee each time you use your card. If you choose the higher-tier plans, you’ll pay a monthly fee to maintain your card. All plans charge a $2.50 fee each time you withdraw cash from a domestic ATM.

That said, you may be better off with a debit card from a bank. Find one that doesn’t charge a monthly fee and allows you to withdraw money for free.

Another way to avoid the $5 fee

To access your paycheck faster, consider the free Earnin app (formerly called Activehours). Earnin lets you upload your timesheet and receive up to $100 in your bank account quickly — with few catches.


Pay-As-You-GoMonthly FeePreferred Fee
Account opening feeNoneNoneNone
Plan feeNone$9.95 a month$5 a month
Signature purchase transaction fee$1Included in planIncluded in plan
PIN purchase transaction fee$2Included in planIncluded in plan
Balance inquiry fee$0 by text message or Online Account Center; $0.50 by phone or ATM$0 by text message or Online Account Center; $0.50 by phone or ATM$0 by text message or Online Account Center; $0.50 by phone or ATM
Account inactivity fee$5.95 a month$5.95 a month (replaces plan fee)$5.95 a month (replaces plan fee)
Foreign transaction fee3.5%3.5%3.5%

Withdrawing money

Over-the-counter cash withdrawal fee (financial institution)$2.50
Over-the-counter cash withdrawal fee (NetSpend Reload Network)Varies by location
ATM cash withdrawal fee (domestic)$2.50
ATM cash withdrawal fee (international)$4.95
ATM transaction decline fee (domestic and international)$1

Adding money

Direct deposit feeNone
Adding money at NetSpend Reload Network locationVaries by location
Bank transfer feeVaries by bank
Account-to-account transfer fee (website)None
Account-to-Account transfer fee (through customer service agent)$4.95

View a full list of fees in the Brinks Prepaid Mastercard’s terms and conditions.

The perks

  • No account opening fee.
    The card comes with no activation fee, unlike many other prepaid cards.
  • Faster access to deposits.
    When you deposit your paycheck or government benefits directly to your card, you can access the funds up to two days faster than direct deposit to a bank account.

You’ll also like …

  • A free mobile app.
    Check your account balance, find reload locations and more.
  • Open a savings account.
    Open a Brinks savings account to earn up to 5.00% APY.
  • Refer a friend.
    If you refer a new user who funds their card with at least $40, you both receive $20.
  • Cash back.
    At some merchants, you’ll receive cash back rewards for using your Brinks Prepaid Mastercard.

What to watch out for

  • Not a credit card.
    This Mastercard is a prepaid card. You’ll need to load money onto the card before using it.
  • Loads of fees.
    The prepaid card charges nickel-and-dime fees at every turn. Check the fee table before applying.

Compare with other prepaid cards

Name Product Signature transaction fee PIN transaction fee Monthly fee
$9.95 per month (or $0 with a $1,000+ direct deposit)
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
$9.95 per month (or $5 with a $500+ direct deposit)
Trusted by more than 7 million people.
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features.
Earn rewards towards free groceries and fuel savings. Choose between a Visa or Mastercard prepaid card. Plus, get a $10 bonus added to your reloadable card when you sign up for free direct deposit.
ECARD is built on a powerful SmartWallet concept that focuses on four major features: simple application, travel power, member-friendly rewards and cross-border payment card solutions.
$7.95 per month (or $5.95 with a $1+ direct deposit)
The Sequin KLS Prepaid Visa RushCard can add some glitz and fun to your wallet. Aiming to help improve your financial future.
The AccountNow Gold Visa Prepaid Card is a debit card that allows cardholders the convenience of direct deposit without having to open a checking account.
The AccountNow Prepaid Visa Card gives you quick access to your money, and is a convenient alternative to traditional bank accounts.
The 24k Prepaid Visa RushCard offers online and in-store purchasing without a credit check.

Compare up to 4 providers

What should I know before I apply?

There’s not much you need to know about applying. But always consider your options and your financial situation before you begin using a prepaid card.

Information you’ll need

  • Full name and contact information
  • Home address

How to apply for the Brinks Prepaid Mastercard

  1. Visit the Brinks Prepaid Mastercard website and click Sign Up Now.
  2. Complete the application with information like your name, address and contact information. Then click Get My Card to submit your application.

How long will it take to be approved?

You’ll typically receive a decision on your application right away. If approved, you’ll receive your card within 10 business days.

I got the card. Now what?

  • Avoid fees. Reference the fee table to understand the fees you could be charged.
  • Customer service. If you have questions, contact customer support at 877-849-3249.

Bottom line

The Brinks Prepaid Mastercard may be a good choice if you’re looking for fast direct deposits or you like the convenience that comes with loading your card in person at NetSpend Reload locations. But given this card’s many fees, you may be better off with a debit card.

Compare other prepaid credit cards

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    April 10, 2019

    What are the fees for using a Brinks prepaid master card at a gas pump?

    • AvatarStaff
      April 11, 2019

      Hi Jon,

      Thank you for reaching out to Finder.

      Fee may be assessed by reload location and may vary from location to location. Service not available in all reload locations. Please reach out to the gas pump station you use to check what fees are applicable for them. Hope this helps!


  2. Default Gravatar
    October 7, 2018

    Can I add a card for my fiance to use on my account

    • AvatarStaff
      October 8, 2018

      Hi James,

      Thank you for leaving a question.

      If you are referring to the Brinks Prepaid Mastercard® then the answer is yes, you may add a supplementary card for your Brinks Prepaid Mastercard®. You would need to request for this by dialing 1-877-849-3249. An additional card would cost $9.95 each if you wish to add. Hope this helps!


  3. Default Gravatar
    September 26, 2018

    Can i check the status of a pending direct deposit to my card from my job

    • AvatarStaff
      September 28, 2018

      Hi Tee,

      Thank you for reaching out.

      You have reached finder. We are a comparison website that assists users on their financial choices. If you with to reach Brinks Prepaid Mastercard, you may call them directly at 1-877-849-3249. Lines are open from Monday through Friday: 8AM-10PM (Central Standard Time – CST) Saturday & Sunday: 8AM-8PM (Central Standard Time – CST). Hope this helps!


  4. Default Gravatar
    June 28, 2018

    Can I cash a check of up to $9’000 with the Brink’s money card?

    • AvatarStaff
      June 28, 2018

      Hi Jesse,

      Thank you for contacting finder.

      Yes, you can withdraw $9,000 as long as it is deposited to your Brinks Prepaid Mastercard. You may only withdraw amount that has been loaded to your prepaid debit card. You may take note of the different fees which will be based on the plan that you have.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  5. Default Gravatar
    May 29, 2018

    Where are the locations that I can reload my card?

    • AvatarStaff
      June 1, 2018

      Hello Marcia,

      Thank you for your comment.

      You can reload your Brinks Prepaid Mastercard at any NetSpend Reload Network locations. Just visit the website of Netspend and search the location using the zipcode, city or state.


  6. Default Gravatar
    March 21, 2018

    When will my tax refund be deposited to my account

    • AvatarStaff
      March 26, 2018

      Hi Kiesha,

      Thanks for getting in touch with finder.

      Upon checking, I found the following information from IRS website:

      The IRS issues most refunds in less than 21 days, although some require additional time.

      Taxpayers who claim the Earned Income Tax Credit or the Additional Child Tax Credit may experience a refund hold. According to the Protecting Americans from Tax Hikes (PATH) Act, the IRS cannot issue these refunds before mid-February. The IRS expects the earliest EITC/ACTC related refunds to be available in taxpayer bank accounts or debit cards starting February 27, 2018, if these taxpayers chose direct deposit and there are no other issues with their tax return.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


Go to site