Classic Netspend Reviews

by Qubitzilla

Believe me, if I could give minus stars I absolutely would. I’ve been a customer for over 8yrs, and rather enjoyed having an account with them. But recently, I tried to dispute two transactions on my account that ended up being fraudulent and instead of helping me, they denied the disputes and permanently closed my account, with no notification. On top of all this, they permanently banned me from opening another account with them ever. When I attempted to get answers on two separate occasions, nobody could tell me why. I kept being told I would hear back within 24hrs from their fraud department. But never did. I did nothing suspicious. I did nothing fraudulent. I reached out to my bank for help, and they double victimized me. Why would I EVER want to open another account with a bank who treats their long term customers like this? Absolutely abhorrent behavior and customer service. I HIGHLY recommend NEVER trusting this bank with your money.

**UPDATE after response from dev**:

After over 4 attempts now taking hours out of my day to call, get put in hold multiple times and get answers with the promise of having a response with an answer within 24 hrs time but left with no response, you expect me to email YOU to solve this?? Is giving an honest review of your company what it takes to get a serious response from this bank? Boy, this really is 2020 huh..

by GigiWoo23

This "bank" is a joke. If it's not one thing it's another the first direct deposit I received my account was locked even though I was putting the correct passcode! No where did it say how long my account would be locked for! I had to call THREE times and spoke to some guy at an outsourced call center who dgaf about customers lie to me and say oh I'll reset your password and it'll be fine. He neglected to tell me the time limit on using the password nor did the email state that I must use the password within 30 minutes. A week later I type in the password I changed it to and guess what IM LOCKED OUT. I tried to reset my password and it didnt work. I randomly try and login today from ClassicNetspend and thank God on heaven I was able to reset it to see MY OWN MONEY, but now I have ELEVEN dollars in transaction fees???? This is a BS operation! Run far far away. I would only suggest using them if you can't get a bank account anywhere else! I won't be continuing use and neither should you! I was sent this card randomly and thought I would give them a try. Never again.

by Jesusalmazan

For anybody to thinking about getting‘ that’s been think about it before you get it this car really don’t help you at all they’re only good to charge you but they can’t help you and canceling anything also the operators day call you on the phone so you could get some help really don’t even help you they got no good answers to give you and they really don’t know anything of what they talking about even if you try canceling something on yourself through the Internet or the mobile app it won’t work I don’t know what kind a system they got but it really don’t help at all just be careful getting this card think about it really good if you do use this card for anything make sure it’s a one time deal and make sure you only put the money you’re going to use at the same moment because if not they just gonna charge you for holding your money there to

by 11 Year Devalued Customer

Well I’m on a fixed income. Every dime is accounted for. So when I put a stop payment on my account I was told my money was safe. I was even given a cut off date for the stop payment. Well low and behold I get a text that I only have $31 I’m like holy smoke what happened I looked and saw that they let the transaction go through they broke their word. Not only that they found a loophole and tried to justify it but still admitted fault at the same time yet won’t give me my money for another ten business days don’t forget the holiday and weekend. They acted as if they didn’t care I finally spoke with a woman named Joy and she may have said the same thing as the others but she showed concern and she emailed me my dispute form and gave me hope that it may not take that long. Anyway I’ve been with this company 11 years we may be getting a divorce if they don’t show concern plus where’s corporate that was supposed to be contacting me

by Ceeceelea

This is a complete sham!!! I have bought several cards from net spend. And each time my money kept disappearing off my card. So I call them to try and figure out what the problem is. SEVEN times these so called professional people hung up on me!!! They just hung up. The first few calls they said they were getting a supervisor, but when they put me on hold, the line disconnected. I’m a little bit on the slow side because I never in my wildest dreams thought a business would be so unprofessional, so at first I called back saying there must be a problem with my phone. After 5 times of them hanging up on me, I realized that they are doing this on purpose so they don’t have to talk to me.
Well, needless to say, I now think they are stealing all that money that was disappearing from my account.
Don’t trust or believe these people!! I lost a lot of money, and I’m seriously considering getting a lawyer. I wonder if a lawyer would be interested in such a case.

by Duhawiwsvdbdiddbe

My dad has spent $300 worth of money in prepaid cards. $100 each for the three of us siblings. Setting up an account was horrible and long and they asked for so much information like your social security. The website to even activate a card doesn’t work so you HAVE to call the costumer service and all they do is ask you for more information to activate one card which is all lies. It has been 4 months since my dad has bought these cards and have since locked all of out accounts because we haven’t spent money on the cards that we can’t even make a full account for. All we wanted for Christmas was clothes, but no cause you have company’s like this who don’t care about their customers and now we have just lost $300 dollars to this scam. Don’t even bother with Netspend, just get American Express Serve because I’ve had a 100% positive experience with American Express and you can spend money as SOON as you buy it without making an account.

by Freckels70

I’m so upset and annoying with Netspend I been with u guys since 2009 and have two direct deposit every week I lost my card and I ask for a new one to be expedited because I had no other way of taking money off and most of my money is tied into this bank well they told me I can’t get it expedited cause I don’t have that feature and I don’t understand when I was paying from my account the 25 to do it to say the least I was told there was nothing they could do and now I have to wait on what I work hard for mean while I also lost my citi bank card which doesn’t hold much but when I called for a replacement I got it next day no charge unreal I don’t suggest to anyone putting all ur eggs in this basket cause if u loose or damaged ur card u will be waiting 10 business day for a new one smdh I’m thinking about taking all my money out and just close my account when I do receive my cards smdh cause of this issue and I really did like u guys that’s why I stayed as long as I did but with this it’s a disappointment

by Chuckylove3

To start, I had a account with netspend to pay my online bills, I paid there 5.95 a month fee, and every time I used my card they would still take off extra money for usage, and recently, we got a prepaid card at the store and put $60 on it and these people at net spend are trying to tell me and my family that we never bought the card, we never put money on the card, then they had the nerve to say the card was in someone else’s name. Keep in mind we literally just bought it at the store. Then they wanted proof of purchase, proof of address, ID and social. I sent them all of that information and they still would not activate the card for we could use it. The manager at the store even called them and they wouldn’t believe him or activate it for him. They scammed us out of $60+ dollars. And anyone who truly believe netspend is the best option. Expect to loose some money.

by Novazopp

If you don’t mind paying for EVERYTHING, definitely sign up with Netspend! They charge you $5 to make a deposit, $3.50 to make a withdrawal, $10. a month service fee, or $5. if you have direct deposit. They encourage you to use overdraft protection and then charge $10. for every single overdraft repeatedly, if you call them up and ask a question, you get charged! Look at your bill and you’ll be astonished at all the “little fees” that can quickly add up to hundreds of dollars!! It’s sickening! No other online bank has so many fees!! And Netspend is replaces money into your account that has been fraudulently removed/spent, at a glacial pace - where a any other bank, brick and mortar or online would replace your money by the next day!
Unless you enjoy the worst customer service ever by people for whom English is their second language and are difficult to communicate with -
Steer clear of Netspend!
I’m switching to Chime! They have NO fees and get great reviews! Plus, I’m tired of paying huge fees for crappy customer service!
I’ve had enough!!

by TheFortyFore

A prepaid card is supposed to be exactly that and you’re supposed to be able to use it right off the bat but no when you get your card from Netspend, you cant even use it until you send your ssn and other forms of ID, you try to sign up and log in into the website and it doesn’t work, ClassicNetspend doesn’t work at all, they say call the number and it sends you back to the website with a link for your registration that doesn’t even work so it sends you back to the number!! If you choose to stay on the line for a real person, you’re waiting for a long time then you have to fork over all your information then you aren’t even done because you have to send them a copy of your ssn, birth certificate, and DL in an email to complete the verification process which takes days and that’s even if you get lucky enough to fully activate your card because most of the time you get dead ends with a burnt wallet and wasted money other than your time. It’s sketchy and they want all your info. You have a greater chance of getting your info stolen and wasting money on Netspend then getting what you actually payed for.

by Netspendisaripoff

My company partnered with netspend to sell the cards in our stores. And for doing so we received bonuses for every card sold. And employees didn’t have to pay a monthly fee. Well not only am I still getting charged $5 a month, all of a sudden I have no balance. When they took out $5 on June 16th that left me with $13 and some change. Now nothing. They also for some reason shut off my employees card for no reason. And when we called the number that corporate told us too. They couldn’t tell her why just that she is no longer allowed to have a netspend account. But this is also how we get paid our mileage when we have to help out at other stores. I have emailed support and I never get a reply. I have heard nothing good from customers that have previously had a card. They charge fees like crazy. And is a rip off. I no longer offer these cards unless I’m asked by customers about them. Word of advice netspend when you want people to sell your merchandise, don’t screw over the ones making you money. And work on better communication and customer service. Oh and 1 more thing . I can download ClassicNetspend but can never get in. Straight up crap.

by Nannaof10!!

I was customer for over 5 yrs. They were ok to begin with but all of sudden in February of this year I got a text about a fraudulent online purchase. Well I hit the button to have my card canceled because anyone who knows me knows I don’t bye stuff online I really don’t know how I’m sure it would be easy but I don’t put my cards online to have them hacked. Well guess what it was anyway and it had to be on there end. While this is happening my husband passes away I go back to work after couple weeks then my whole check was gone had to fight to get my money back then in 2days more money. I have them go back to beginning of year and guess what I had almost $200 in charges over time so by April I have had it. Netspend could see my regular use every week and still let someone steal what money I worked hard for and didn’t reimburse me what was rightfully mine. Because like I said they looked all the way back and could see my regular use and did nothing. So please don’t use them unless you want this to happen to you. We work to hard to be stolen from.

by Lola@Shorty

I have tried to scan my check and it keeps taking me to a screen that says Ingo at the top and explains process, you can’t get out of that screen and I’ve called Ingo customer service and Netspend and they keep throwing me back to each other and it let me scan a check last month. It did this before snd then fixed itself and this has been weeks so now I’m going to have to leave work to cash check and deposit it on card. I’m gonna cancel this as soon as I get my Venmo card in mail. So I decided to give them one more chance so I looked online to see what time the closest location opened and it gave time and I drove there today and location is closed for good (which didn’t say online) so I look up another one so I drive there and no one was there to open, lights out and door locked, it gave hours on door and I showed up 3 hours after they were supposed to be open. I have decided not to do business with this company anymore it’s too much of a headache. I not only wasted gas in my car but i wasted my whole lunch break and didn’t eat. It’s a shame because I’ve been doing business with them for many years.

by Everurias

So I needed a gift card for the something I wanted online and my sister went into Walmart getting the card I usually get but it wasn’t there so She decided to buy this one and put 180 dollars on it, again unaware that it said this is not a gift card so she bought it and She thought the person at the scanner scanned and activated it but like it said I had to activate it myself, i said to myself, “ok no big deal.” Was I wrong i had to do a activation myself for “revealing my identity” and having to put my socials again since I barely got the card and never trusted Netspend in the first place you might have been like why but it well my sister got it for me and I said a different card but she said it wasn’t there so she cluelessly bought this one but again this is totally my fault I do want a refund again cause im broke and need the money so please from the kindness of your heart refund it all this is all my fault it’s been stressing me out so much lately but completely understand if you denied my request.

by Nanknob

Do for ClassicNetspend itself, it generally works with just a few problems. Such as when trying to load a check or send a message to customer service, it is very hard to get the keyboard to come up. Takes clicking in the area to put the info quite a few times. Now, as for their customer service......what a joke. They either have a computer bot answering your questions or their staff is only allowed to copy and paste generic answers which don’t always apply to your questions. Or they put it off on their partner who handles other areas, and give you a phone number to call that doesn’t allow you to speak to someone. When I got ahold of their customer service people, they kept assuring me that everything would work out fine, but couldn’t actually answer my questions and give me details. Said they could see the issue, but couldn’t give me dates of what they were seeing. But kept telling me to “be assured”. It’s a run around game that I didn’t ask to play.

by BreezyBri51

**UPDATE** never got an email back to acknowledge my issue with ClassicNetspend , can’t even access using Safari. Guess it’s not Apple friendly, sure would’ve liked to know!** I’ve had Netspend awhile now, maybe like 4 years or so. Never had any issues. I recently downloaded ClassicNetspend on my iPhone, I logged in, saw what I needed to see and logged out. So last night, I wanted to check my balance. I logged in with my correct credentials, I get to see the randomized pop up ad that either gets dismissed or used and then I get a white blank screen. I proceeded to try logging in five more times, same result. I wrote an email and was told I would be responded in three business days. I even tried to access my account on Safari and it accepts my credentials and proceeds to load yet another white screen. My husband downloaded ClassicNetspend on his own iPhone and he is able to access the account. Anyone else have this issue??? If so, please respond with any troubleshooting methods!

by Melrox777

Don’t walk RUN!!!! this is a horrible card they are charging me twice after I have had to direct deposit’s first they had my temporary card that doesn’t have my name on it and they charge me a dollar for credit card two dollars for 10 and a five dollar fee for unlimited on my first cars then they said they would send me a new card with my name on it I got the new card activated it they never told me that I would then get another set of chargers for one dollar for credit card and two dollars for pin# another five dollars for unlimited after I had two deposits made for direct deposit on my account that has both the cards they will not refund it I’ve asked them many times I am telling you they have taken 30 or $40 out of my account for these kids charges they charge me double I do not recommend this card I am currently looking for another card the only reason I have this card is because my account got hacked and I was using this card temporarily and it’s costing me a FORTUNE!!!!

by Michaeltthegeek

ClassicNetspend works well for me and always has. However ever since fingerprint recognition has been added I’ve noticed that the fingerprint pops up too quickly causing the login to glitch, you just have to press login again or scan a second time. But it is kinda annoying.

If Netspend is reading this, a good way to replicate the issue is let an account timeout and than use the fingerprint after the auto logout and you’ll see what I mean.

Otherwise thanks for everything Netspend!! I love your low returned e-check fees and I love that the card actually declines on reoccurring bills if I don’t have money. and I also love your overdraft service with a very low $15 fee! But most of all I love the fast payday!!
Thanks for being so awesome!
I’d love to see in the future however some sort of way to make the monthly fee disappear. Like maybe for long loyal customers or even a minimum balance type situation...
Anyways have a good one!

by I Need A Nickname 123

I absolutely love Netspend, I work for the University of Arkansas and I started when I was 16, I used a pay card by them for a while, until it expired. They graciously sent me another official Netspend card once I turned 18. I activated it once my pay card expired and downloaded ClassicNetspend . The user interface is very mobile friendly and easy to use. I don’t use the mobile check load cause ya know, direct deposit is the way to go these days. But I’ve used everything else in ClassicNetspend . Payback rewards is a cool little way to save a little money, it’s easy to load and send money, easy to view transactions, and most of all, you can start a savings account! Which is something I’ve always wanted to do ever since I started getting paid. Also, customer service is very helpful and friendly. Netspend is a great Mastercard bank, and I’ll be continuing to use their card for a long time, the only thing I’d ask for is for prepaid cards to be accepted everywhere just like an average debit card from an bank such as Bank of America, or CHASE. I recommend this online bank for any young people just getting started.

by 2smalls0639

I absolutely LOVE Netspend!!! I’ve been with them for over 3 years, had my account upgraded & I have NEVER had ONE issue with them! I get paid 2 days earlier than everyone else. Their customer service is on point. They have awesome no overdraft... which sometimes I do & they will let it go through but it’s usually only like 10 bucks. There isn’t any over draft fees. They do charge a 5 dollar service fee every month but that’s no issue. If you can’t afford that then something is wrong with you. Lol. They do charge an ATM FEE WHICH I WISH THEY WOULDNT! That’s THE ONLY ISSUE I HAVE WITH THEM!! Stop the ATM FEES NETSPEND!!!

Dontgo to Chime, it’s a scam. If you don’t want to deal with an actual bank, this is the one to have. I’ve had banks that lied to me & took my money orclosed my account for no reason & I got tired of it, so I went searching, found Netspend & im soooo glad I did. I refer all my friends to Netspend.

I’m telling you, they’re the way to go. & they give you rewards every month. Love yoooou Netspend!!!

by Blakeinc.

Netspend has been my bank for payroll deposits for the past 4.5 years. I enjoyed getting paid 2 days early but to be honest that is the only perk of being with this bank. You have to pay a fee for every ATM withdrawal, you have to pay a monthly fee just for having an account or you have the option of paying a fee per transaction. Nowadays you can use Touch ID for finance apps but Netspend still makes you manually enter your password. Netspend also isn’t Apple Pay, Cash App or Venmo compatible, as the worlds gets more digital people need the ability to move money around easier. This bank has done right by me as far as disputes and fund accessibility but their cons outweigh their pros and I’ve switched to Chime today.

by Cricket 706

I have had my card for years. I have had no issues. I get paid two days earlier with direct deposit. Customer service has always been helpful to me. From what I have read in previous comments; most of the complaints should not have been complaints at all. People should read the literature that comes with it, and pay attention to what the terms, agreements, and fees say. All information is given to you at purchase of card or reviewed online. I researched before I purchased the card. Have had a few issues with ClassicNetspend , but outside of that neyspend is by far the best prepaid card I have dealt with!

by Moneygirl009

I’ve had the Netspend card for a few years actually. Didn’t use it for about two years after it was sent to me. When I did see where it might would be an asset keeping me from having my Bank card online for auto debits /payments etc. I decided to give it a try. Can’t say enough positive about it. When I downloaded ClassicNetspend , I’ve had the same experience. Easy quick and quite useful. I split my direct deposit so that I can get paid some of my payroll two days ahead of my normal paY deposit day and I do -each and every single time. Kudos for an efficient product.

by Stop N Read

Not sure what all the fuss is about but I’ve had my card now over 2 years and has never had any issues. The only way you are charged any fees per transaction is if you have not selected a plan. If you read the card information prior to activating the card then you will know that. Also, the fact that someone has used this as a gift card also indicates no one took the time to read once again. So there is nothing wrong with this card. Getting paid 2 days in advance is always a great thing for me during any pay week. So those of you who has had any issues with NETSPEND prepaid card, only means YOU DID NOT TAKE THE TIME TO READ.

by Sithjug

I’ve been using Netspend as my bank for the last 2 years and haven’t had any issues at all with them. Only pay $5 a month to use it and there are never any overdraft fees which is a HUGE plus. I get my check deposited 2 days early too!
I’ve had two instances of fraud since I’ve been using it. The first time, I had to call and report it. They refunded me and sent me a new card quick. The second time, their algorithms caught it before I was charged and it automatically locked my account. It only took 3 business days to receive my new card! Each time, the customer service was excellent to deal with!
I’m extremely satisfied and I’d highly recommend this card!

by Ncms85713

I’ve been with NetSpend since my son was 7. He’s now 22, and I still love the service. I use NS in addition to my banks. My only issues are: 1) PayPal doesn’t accept the bank to be linked to receive funds and withdraw them to the card, and 2) the FEDERAL regulations that only allow so many transfers between family members and the number of times I can remove from savings. But that’s Federal, not NS. My kids live in AZ while my husband and I are living in Ohio now. This is the most convenient way to send my kids money when they need it. AND ITS FREE TO TRANSFER!!!

I see other reviews that aren’t so good. Not to discredit the problems they may have had, but overall, NS is a great company. Otherwise, I wouldn’t have been here so long!!!

by SareBear 96

I’ve been using Netspend for a couple of mothers now and just upgraded to the new card. I’ve never had an issue using money and on top of that I have received my paycheck continuously two days sooner around the same time every week. The only thing I have issues with is that I can’t link my card to ApplePay(which is not a big deal for me, apple itself takes the card just fine)or use it for Uber. But I just linked that too Paypay and haven’t had a problem since.