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Brinks Prepaid Mastercard review

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  • 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

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Lifehacker and He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

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. The prepaid card offers cashback rewards and the ability to earn up to 5.00% APY if you open a Brinks savings account.

But given this card’s many fees, you may be better off with a debit card.

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.

If you want a prepaid card that had zero to minimal fees, you’ll want to keep looking. As always, compare your options when considering a prepaid card.

Compare with other prepaid cards

Name Product ATM withdrawal Monthly fee Features
PayPal Prepaid Mastercard
  • Manage money on the fly
  • Receive special offers and cash back rewards
  • Get your state and federal tax refund faster than a paper check
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.
Pink Netspend Visa Prepaid Card (FeeAdvantage Plan)
$9.95 per month (or $5 with a $500+ direct deposit)
Trusted by more than 7 million people.
Netspend Visa Prepaid Card (Pay-As-You-Go Plan)
  • No monthly fee
  • No credit check
  • 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. Visa Prepaid Card
$9.95 per month (or $0 with a $1,000+ direct deposit)
  • No monthly fee with direct deposit
  • No credit check
  • Use MoneyPass ATMs for free
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
ACE Flare Account
$9.95 per month (or $5 with a $500+ direct deposit)
  • Earn interest on your Flare Account
  • Optional Debit Card Overdraft Service
  • Get paid up to 2 days faster with Direct Deposit
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.

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.

Frequently asked questions

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  1. Default Gravatar
    March 11, 2020

    How to add money back to my Brinks Card? I call customer service and I am told only through Money Gram, but I go to those locations and they tell me it wont work.. so what do I do to add money back? Anyone else have this problem?

    • Avatarfinder Customer Care
      March 12, 2020

      Hi Jessica,

      Thanks for contacting Finder and I hope you are well. Sorry to hear you weren’t able to contact customer service regarding your inquiry.

      If you are using your Brink’s Prepaid Mastercard to pay your bills and you are looking for a refund, please contact the merchant/biller you made a payment to.

      It says on the terms and conditions of the card that: If you are entitled to a refund for any reason for goods or services obtained with your Card or Virtual Account, you agree to accept credits to your Card Account for such refunds and agree to the refund policy of that Merchant. If you have a problem with a purchase that you made with your Card or Virtual Account, or if you have a dispute with the Merchant, you must attempt to handle it directly with the Merchant. There may be a delay of up to five (5) days or more from the date the refund transaction occurs until the date the refund amount is credited to your Card Account.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    April 10, 2019

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

    • Avatarfinder Customer Care
      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!


  3. Default Gravatar
    October 7, 2018

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

    • Avatarfinder Customer Care
      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!


  4. Default Gravatar
    September 26, 2018

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

    • Avatarfinder Customer Care
      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!


  5. Default Gravatar
    June 28, 2018

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

    • Avatarfinder Customer Care
      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.


  6. Default Gravatar
    May 29, 2018

    Where are the locations that I can reload my card?

    • Avatarfinder Customer Care
      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.


  7. Default Gravatar
    March 21, 2018

    When will my tax refund be deposited to my account

    • Avatarfinder Customer Care
      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!


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