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Netspend Debit Account Review

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Netspend® All-Access® Account
2.2
★★★★★

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Monthly maintenance fee
$5
Signature transaction fee
$0
PIN transaction fee
$0
Card fee
$0

Our verdict

A debit account that earns up to 6% APY and has zero minimum balance requirements — but watch out for fees.

Previously called the Netspend All Access card, the Netspend Debit Account is a debit card with no credit checks or minimum balance requirements. It comes with early direct deposits, an optional high-yield savings account and overdraft protection. These features make it a great choice for anyone who has bad credit, no credit or a negative banking history. But as with most debit accounts, there are a few fees to watch out for. The biggest is an unavoidable $5 monthly fee, which can eat into your account balance each month.

Best for: Those who want faster access to their paycheck and are in need of high-yield savings.

Pros

  • Earn cash back on everyday purchases
  • Earn up to 6% APY with an optional Savings Account
  • Receive your paycheck up to two days earlier with direct deposit
  • No minimum balance requirements

Cons

  • Unavoidable $5 monthly fee
  • No wire transfers
  • No brick-and-mortar branches
  • Miscellaneous fees

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

Who is the Netspend Debit Account best for?

The Netspend Debit Account is best for people who want faster access to their money and earn cash back on their everyday spending. It’s also a solid option for those who may not qualify for traditional bank accounts and prefer an alternative that still offers flexibility and control.

What we like about the Netspend Debit Account

The Netspend account doesn’t require a credit check. It’s a good option for those with bad credit or a negative banking history, as well as anyone looking for these features.

Early direct deposits

With Netspend, you can get paid up to two days early when you set up direct deposit for your paycheck or government benefits. That means quicker access to your money.

Payback rewards

Netspend’s Payback Rewards program gives you automatic cashback offers when you shop with select retailers using your debit card. Plus, the offers are personalized based on your spending habits.

Optional overdraft protection

With Netspend’s overdraft protection, you can avoid an overdraft fee if you bring your account to a positive available balance within 24 hours from the time of the first transaction that created the negative balance.

Bonus savings account

If you choose to open Netspend’s optional savings account, you’ll earn 6% APY on the first $2,000 and 0.5% on any amount over this limit.

Where it falls short

The Netspend Debit Account has a few drawbacks worth mentioning.

For starters, Netspend is fully digital, so if you prefer in-person banking or need help that goes beyond online support, this account may not be the best fit.

Unavoidable monthly fee

Expect to pay $5 per month to maintain this account. There is no way to waive the fee, either.

No wire transfers

Netspend doesn’t accept any inbound wire transfers. If you regularly receive wire transfers or would like the ability to send or receive them, consider a traditional checking account.

Miscellaneous fees

Beyond the monthly fee, there are other charges to watch for (like out-of-network ATM fees and overdraft fees), which we’ll touch on in the next section.

Netspend Debit Account’s fees and access

Type of feeFee details
Monthly service
$5
Opening deposit
$0
ATMs
  • Domestic: $3
  • International: $3
Debit card fees
  • Card purchase fee: $0
  • Foreign transactions: 4%
  • Inactivity fee: N/A
Overdraft or nonsufficient funds
$20 fee each time you overdraw your account by more than $10.
Other fees
  • Card replacement fee: $3
  • Signature fee: $0
  • PIN fee: $0

Compare with other debit cards

2 of 2
Product Fee ATM withdrawal Features
Walmart logo
$5.94 per month
$2.50
  • Earn up to $75 cash back on Walmart purchases each year
  • Earn 2% APY up to $1,000 on your savings
  • Up to 4 family accounts
  • FDIC insured by Green Dot Bank
Go to siteMore info
Compare product selection
Netspend logo
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
$2
  • Get paid faster
  • Easy loading
  • Control your finances
  • Card customizations
  • Mobile app
  • Savings account
Go to siteMore info
Compare product selection
loading
Showing 2 of 2 results

Customer reviews and ratings

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.29 out of 5 stars, based on 392 customer reviews
Trustpilot score4.1 out of 5 stars, based on 35,642 customer reviews

Ouro, the parent company that owns and operates Netspend, has an A+ rating from the Better Business Bureau (BBB), which suggests it’s a trustworthy company and handles complaints responsibly. That said, customer ratings on the BBB aren’t great, with most of the complaints reporting problems accessing money, frustrating customer service and expensive fees.

Netspend’s customer feedback on Trustpilot looks much better. It has accumulated over 35,000 reviews on the site, and the majority of them are positive. Customers appreciated how easy it is to transfer money to savings, the early direct deposit feature and helpful customer service reps.
Overall, reviews are mixed, so perform your due diligence before signing up.

Frequently asked questions

How do you activate the Netspend Debit Account?

To activate your Netspend Debit Account, head to the “activate” page and enter your card number and the security code from the back of your card.

How do I close my Netspend Debit Account?

Start the account closure process by calling the toll-free number on the back of your debit card. But before you do, make sure you’ve transferred or withdrawn any of your remaining funds.

What should I do if I lose my Netspend card?

Immediately call customer service or log in to your online account to report your card as lost or stolen.

Your reviews

2.2
★★★★★(0)
5
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1

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

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Cassidy Finder

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