Netspend Debit Account Review

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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
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 fee | Fee details |
---|---|
Monthly service | $5 |
Opening deposit | $0 |
ATMs |
|
Debit card fees |
|
Overdraft or nonsufficient funds | $20 fee each time you overdraw your account by more than $10. |
Other fees |
|
Compare with other debit cards
Customer reviews and ratings
BBB accredited | No |
---|---|
BBB rating | A+ |
BBB customer reviews | 1.29 out of 5 stars, based on 392 customer reviews |
Trustpilot score | 4.1 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.
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Cassidy Finder
Writer
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