Netspend savings account review

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Review: PayPal Prepaid MasterCard by NetSpend

If you're a frequent user of PayPal, this prepaid debit card has some great features.

Netspend savings account review

The PayPal Prepaid MasterCard issued by NetSpend is a prepaid debit card that offers some nifty benefits for frequent users of PayPal.

  • Free direct deposit. Cardholders get free direct deposits so that paychecks and government benefits can be deposited directly without any fees.
  • Transfer money instantly between your PayPal account and debit card.
  • Get mobile account alerts. Cardholders can get mobile alerts on their cellphone via text message or mobile app.
  • Optional high-interest savings account. Cardholders can open an optional savings account that currently offers a 5 percent APY for balances up to $5,000.
  • Cash-back rewards from select stores. Cardholders can earn cash-back rewards from select stores, restaurants and more.
  • No credit check, overdraft fees or interest charges. Enough said.
  • Monthly fee. The card charges a monthly fee of up to $4.95.

Get it if: You want a prepaid debit card that’s accepted everywhere a credit card is accepted, and you’re a frequent PayPal user.

Forget it if: You would rather use a credit card than a prepaid debit card, or if you’re not a frequent PayPal user.

Note: While we attempt to be completely objective when reporting on credit cards, this site may be compensated by issuers when a reader applies for a credit card through the links within credit card stories or on our credit card search page. Also note that any terms, rates or other features described in this article can change without notice. Always double-check everything with the issuer before applying for any credit card.

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After October 1, the Starbucks Online Store will be out of business. Until it officially ceases operations, many products will likely experience significant markdowns. Right now, most items on its sale page are 50% off (slightly higher/lower discounts can also be found within). Shipping adds $5.95, but orders of $50 or more qualify for free shipping. Shop for discounted mugs, coffee presses, tumblers, and more.

For more information on this closing, click here.

Starbucks Online Store Going Out of Business

After October 1, the Starbucks Online Store will be out of business. Until it officially ceases operations, many products will . Read more.

At Chipotle, play the Chipotle Experience to receive a coupon to buy one burrito, burrito bowl, salad, or order of tacos and get another one for free. Listen back to your track and enter your mobile number and ZIP code to receive your coupon via text. It's one of the best BOGO offers we've seen from Chipotle this year that isn't restricted. (We've seen similar offers for nurses and teachers only; this is open to anyone.) Deal ends August 31.

Chipotle coupon Buy 1 item, get 2nd free

At Chipotle, play the Chipotle Experience to receive a coupon to buy one burrito, burrito bowl, salad, or order of . Read more.

At Chipotle, play the Chipotle Experience to receive a coupon to buy one burrito, burrito bowl, salad, or order of tacos and get another one for free. Listen back to your track and enter your mobile number and ZIP code to receive your coupon via text. It's one of the best BOGO offers we've seen from Chipotle this year that isn't restricted. (We've seen similar offers for nurses and teachers only; this is open to anyone.) Deal ends August 31.

Chipotle coupon: Buy 1 item, get 2nd free

At Chipotle, play the Chipotle Experience to receive a coupon to buy one burrito, burrito bowl, salad, or order of . Read more.

As part of a class action lawsuit, current and former owners and lessees of certain BMW, Mazda, Nissan, Subaru, and Toyota vehicles may be entitled to cash compensation. The settlement will compensate people who own or lease the nearly 16 million vehicles affected by Takata's airbag recall. Click here to find out whether your VIN is eligible and how to file a claim.

Takata Airbag Class Action Settlement

As part of a class action lawsuit, current and former owners and lessees of certain BMW, Mazda, Nissan, Subaru, and . Read more.

Walmart continues to discount a selection of apparel, furniture, toys, appliances, and more as part of its Warehouse Clear-Out. Choose in-store pickup to dodge the $5.99 shipping fee, or recieve free shipping on orders of $35 or more. (Larger items may incur additional shipping fees.) A couple of best bets, each with free shipping:

Walmart continues to discount a selection of apparel, furniture, toys, appliances, and more as part of its Warehouse Clear-Out. Choose . Read more.

Lowe's discounts a selection of pots and planters in its clearance section, with prices starting at $3.25 $3.75. Plus, MyLowe's members bag free shipping on most orders. (Not a member? It's free to sign up. Select items are only available via in-store pickup.)

Clearance Pots and Planters at Lowe's from $4 + free shipping

Lowe's discounts a selection of pots and planters in its clearance section, with prices starting at $3.25 $3.75. Plus, MyLowe's . Read more.

TechRabbit cuts up to 90% off a selection of new, refurbished, and used speakers, cameras, headphones, and other electronics during its Summer Clearance. Plus, all orders receive free shipping. Deal ends August 31.

Note: Most refurbished and used items are covered by a 1-year TechRabbit warranty; otherwise, a 90-day TechRabbit warranty applies.

TechRabbit Summer Clearance: Up to 90% off + free shipping

TechRabbit cuts up to 90% off a selection of new, refurbished, and used speakers, cameras, headphones, and other electronics during . Read more.

At participating Best Buy retail stores, trade in any working MacBook, Windows laptop, or Surface laptop to receive at least a $40 Best Buy Gift Card and a $160 trade-in coupon towards the Microsoft Surface or Surface Pro laptop for free. Trade-in value will vary depending on your item's condition. Some exclusions apply, including items that are cracked, water-damaged or that lack power.

Minimum $40 Best Buy Gift Card & $160 Coupon: w/ laptop trade-in + at Best Buy stores

At participating Best Buy retail stores, trade in any working MacBook, Windows laptop, or Surface laptop to receive at least . Read more.

Google Play offers HD downloads of Rememory in HD for free. This is an early release of the movie, which stars Peter Dinklage, before it's released to select theaters on September 8.

Google Play offers HD downloads of Rememory in HD for free. This is an early release of the movie, which . Read more.

Lowe's takes up to 75% off clearance items. (Most prices are as marked, but some items receive discounts in cart.) Plus, MyLowe's members bag free shipping on most orders. (Not a member? It's free to join. Larger items may incur oversized shipping fees.) A couple of best bets:

Lowe's Clearance Sale: Up to 75% off + free shipping

Lowe's takes up to 75% off clearance items. (Most prices are as marked, but some items receive discounts in cart.) . Read more.

Walmart continues to discount thousands of items as part of its End of Summer Clearance Sale. Opt for in-store pickup to dodge the $5.99 shipping fee, or receive free shipping on orders of $35 or more. A couple of best bets, each with free shipping:

Walmart End of Summer Clearance Sale

Walmart continues to discount thousands of items as part of its End of Summer Clearance Sale. Opt for in-store pickup . Read more.

SwissGear offers the SwissGear 6731 Backpack in Yellow for $14.99 with free shipping. That's a savings of $40 and the lowest price we could find. It features side water bottle pockets, a mini organizer panel, pen loop, and divider pockets.

SwissGear 6731 Backpack for $15 + free shipping

SwissGear offers the SwissGear 6731 Backpack in Yellow for $14.99 with free shipping. That's a savings of $40 and the . Read more.

As part of a class action lawsuit, those who received pre-recorded telemarketing calls from Resort Marketing Group (RMG) between July 2009 and March 2014 may be entitled to monetary compensation. The suit alleges that RMG violated the Telephone Consumer Protection Act by making pre-recorded calls without express consent. Click here to read more about how to make a claim. Claims must be filed by November 3.

Charvat v. Carnival Class Action Lawsuit

As part of a class action lawsuit, those who received pre-recorded telemarketing calls from Resort Marketing Group (RMG) between July . Read more.

Updated: 2 weeks 2 days ago

As part of a class action lawsuit, customers who purchased certain Honest Diapering, Cleaning, or Personal care products between January 17, 2012 and July 10, 2017 may be entitled to cash compensation. The suit alleges that Honest engaged in deceptive practices in their advertising and labeling of products. Eligible customers can receive $2.50 for each item with proof of purchase, and up to ten items without proof of purchase. Click here to find out more information. Claims must be submitted by October 23.

Honest Products Class Action Settlement

As part of a class action lawsuit, customers who purchased certain Honest Diapering, Cleaning, or Personal care products between January . Read more.

Uniqlo discounts a selection of men's, women's, boys', girls', and baby styles as part of its Summer Clearance Sale, with prices starting from $1.90. Shipping adds $5, or get free shipping on orders of $75 or more. Sizes may be limited. A couple of best bets:

Uniqlo Summer Clearance Sale Deals from $2 + free shipping w/ $75

Uniqlo discounts a selection of men's, women's, boys', girls', and baby styles as part of its Summer Clearance Sale, with . Read more.

Updated: 1 week 5 days ago

It's not the usual blah, blah, blah

The North Face discounts a selection of men's, women's, and kid's apparel as part of its Labor Day Sale. (Prices are as marked.) Even better, all orders receive free shipping.

The North Face discounts a selection of men's, women's, and kid's apparel as part of its Labor Day Sale. (Prices . Read more.

Oakley takes 50% off a selection of men's clearance apparel and accessories. (Prices are as marked.) Shipping adds $8, or bag free shipping on orders over $50.

Oakley Clearance Sale: 50% off + free s&h w/ $50

Oakley takes 50% off a selection of men's clearance apparel and accessories. (Prices are as marked.) Shipping adds $8, or . Read more.

IKEA cuts at least 20% off and as much as 40% off a selection of its furniture, decor, bedding, kitchen items, and lighting. (Some items are only available to be purchased in-store and are marked as such on the product page.) Opt for in-store pickup to avoid shipping costs, which start at $10. A couple of best bets:

IKEA Hemnes Bench for $59.99 (pictured, $20 under last year's price)

IKEA Price Drops: At least 20% off

IKEA cuts at least 20% off and as much as 40% off a selection of its furniture, decor, bedding, kitchen . Read more.

Dick's Sporting Goods offers two pairs of Under Armour Men's Strike Mirco Geo or Strike Splice Slide Sandals in Black/Red or Grey/Blue for $25.48 with free shipping. (Add two of either style to your cart to see this price.) That's the lowest price we could find for this quantity by $19. They're available in sizes 7 to 13.

2 pairs of Under Armour Men's Strike Sandals for $25 + free shipping

Dick's Sporting Goods offers two pairs of Under Armour Men's Strike Mirco Geo or Strike Splice Slide Sandals in Black/Red . Read more.

Columbia takes up to 70% off a selection of men's, women's, and kids' apparel via coupon code "COLAUG70" during its Web Specials Sale. (The discount is taken from the item's original price; it doesn't stack with the sale price.) Plus, Greater Rewards members receive free shipping. (Not a member? It's free to sign up.) Some exclusions may apply. Deal ends August 31.

Columbia Web Specials: Up to 70% off + free shipping

Columbia takes up to 70% off a selection of men's, women's, and kids' apparel via coupon code "COLAUG709quot; during its . Read more.

Neiman Marcus continues to take up to 93% off clearance items, with prices starting at $7. (Although the banner says up to 70% off, we found higher discounts within.) Plus, all orders receive free shipping. Discounted brands include Alexander McQueen, Rag & Bone, Hudson, Helmut Lang, Tom Ford, and Theory.

Neiman Marcus Clearance Sale: Up to 93% off, from $7 + free shipping

Neiman Marcus continues to take up to 93% off clearance items, with prices starting at $7. (Although the banner says . Read more.

MoviePass has knocked its monthly subscription to $9.95 per month. Previously, it offered tiered plans that ran from $15 to $50 per month. MoviePass allows users to see one movie per day each month in over 4,000 theaters across the United States. Depending on where you live, that means you can see up to 31 movies at the cost of standard admission to just one film. Click here for more information; you can sign up for a 2-week trial before you commit.

MoviePass Subscription: 1 movie per day for $10/month

MoviePass has knocked its monthly subscription to $9.95 per month. Previously, it offered tiered plans that ran from $15 to . Read more.

At P.F. Chang's, buy one entree and get a second entree of equal or lesser value for free when you fill out this short form. (You'll receive this offer via email.) That's the best entree freebie we've seen from P.F. Chang's. (We've seen BOGO entrees before, but this is the first offer we've seen that's not restricted to specific entrees.) It's valid for dine-in only for 14 days from offer sign-up date. Click here to find a location near you.

P.F. Chang's Entree: Buy 1, get 2nd free

At P.F. Chang's, buy one entree and get a second entree of equal or lesser value for free when you . Read more.

As one of its daily deals, Best Buy offers a selection of Keurig K-Cup 40-, 44-, or 48-Packs for $19.99. Opt for in-store pickup to dodge the $5.99 shipping fee. That's tied with our mention from four weeks ago and a savings of at least $5 on many of these packs. (Many stores charge around $10 more.) Discounted packs include Donut Shop, Starbucks, Green Mountain, and Gloria Jean's. Deal ends today.

Keurig K-Cup 40- to 48-Packs for $20 + pickup at Best Buy

As one of its daily deals, Best Buy offers a selection of Keurig K-Cup 40-, 44-, or 48-Packs for $19.99. . Read more.

At Quill, buy one select Quill Brand office chair and get a second chair for free, as listed below. (Add one chair to cart; the second will be added automatically.) Plus, all orders qualify for free shipping. Deal ends September 28. The deals (scroll down to see them):

Quill Brand Office Chairs: Buy 1, get 1 free + free shipping

At Quill, buy one select Quill Brand office chair and get a second chair for free, as listed below. (Add . Read more.

Jomashop takes up to 79% off a selection of Citizen men's and women's wathes, with prices starting from $44.99. Plus, coupon code "DNEWSFS" bags free shipping. Alternatively, take an extra $5 off orders of $105 or more via coupon code "SDFLASH5", $10 off $150 or more via "AD10", $30 off $500 or more via "GOOGLE20", or $50 off $1,000 or more via "JOMANEW50". (Coupons don't stack, but orders over $100 after discount automatically receive free shipping.) Deal ends September 1. A couple of best bets:

Citizen Watches at Jomashop: Up to 79% off + free shipping

Jomashop takes up to 79% off a selection of Citizen men's and women's wathes, with prices starting from $44.99. Plus, . Read more.

ShopRunner offers PayPal members a 2-Year ShopRunner Membership for free. (Not a PayPal member? It's free to join.) That beats our usual mention of a free 1-year membership (including last week's, which required a RedBox membership), and at a savings of $158, it's the best offer we've ever seen for a ShopRunner membership, excluding the mention below.

The membership includes unlimited free 2-day shipping, free shipping on returns, and more. Some of the vendors that use this service include Newegg, NFL Shop, Saks Fifth Avenue, Under Armour, and Eddie Bauer.

Are you an AmEx cardholder? You can get a perpetual membership for free.

2-Year ShopRunner Membership: free w/ PayPal account

ShopRunner offers PayPal members a 2-Year ShopRunner Membership for free. (Not a PayPal member? It's free to join.) That beats . Read more.

H&M takes up to 80% off items in its sale section. (Prices are as marked.) Shipping adds $5.99, but orders of $40 or more bag free shipping via code "0040". Home items start at $1.99, women's accessories at $1.99, men's shoes at $2.99, and kids' accessories at 99 cents.

H&M Sale: Up to 80% off + free shipping w/ $40

H&M takes up to 80% off items in its sale section. (Prices are as marked.) Shipping adds $5.99, but orders . Read more.

Google Play offers downloads of Root Checker Pro for Android for free. That's the lowest price we could find by $2.

Root Checker Pro for Android for free

Google Play offers downloads of Root Checker Pro for Android for free. That's the lowest price we could find by . Read more.

Walmart continues to discount a selection of patio furniture, grills, garden tools, and more. Choose in-store pickup to avoid the $5.99 shipping fee, or spend $35 or more to qualify for free shipping. (Oversize items may incur additional fees, and some items may receive additional discounts via pickup.) A couple of best bets, each with free shipping:

Walmart Patio and Garden Rollbacks for $297

Walmart continues to discount a selection of patio furniture, grills, garden tools, and more. Choose in-store pickup to avoid the . Read more.


Earn 5% On A Savings Account – Today!

In today’s low interest environment, is it really possible to earn a 5% annual interest rate on a safe savings account?? The answer, surprisingly, is YES. All it takes is a few steps of action on your part, and you’ll really have a savings account earning 5%.

Today, I’ll show YOU how to do the same.

It all started when I read THIS ARTICLE from Harry Sit on The Finance Buff blog. I followed his advice, step by step. Today, I’m earning 5% on $5,000 of my Emergency Fund. I’ll walk you through each of the steps from The Finance Blog article (full credit to Harry Sit, no need to change his detail except where I have something to add from my experience):

Be sure to follow the steps in order, and take the time necessary to allow the one step to process before moving on to the next.

1. Order A Card The best way to order your card is to use this refer-a-friend link (you’ll get an extra $20, and so will I!). If you’d rather skip on the $20 bonus, you can sign up directly on netspend.com and order a card. You give your name, address, and email. You set up a user id and password.

My experience: smooth, no complaints. I also set up “text alerts” so I get a free text whenever any transactions hit my new account.

2. Activate The Card “You will get a card in the mail in about a week. When you activate the card online, you will see a routing number and account number for transferring money to the card by ACH from your bank.”

3. Set up ACH. “You add the routing number and account number from NetSpend as a linked external account in your own checking account. Make sure the name on your checking account matches the name on your card, otherwise NetSpend may flag the account when they see a deposit coming from a bank account with a different name.”

My Experience: To clarify, you need to log into your existing bank’s account (where you have the $ you’ll be moving to NetSpend). There should be a page in your bank’s site (after you sign in) that allows you to transfer money. The tab on my bank’s site was called “Transfers”, then I clicked “External” to set up the ACH transfer to NetSpend. You’ll also have to confirm a few “test” transfers (mine were $.13 and $.52) to confirm you have the right accounts linked. Note: while our checking account is a joint account (both my wife and I), I set up the NetSpend account in my name only since I was doing it online. I was a bit worried about it given Harry’s last sentence above, but it didn’t cause any problems.

4. ACH Deposit. Transfer $5,005 from your checking account to the NetSpend card. After the money arrives, click on Move Money -> Savings and follow the steps there to open a savings account. Transfer $5,000 from the card to the savings account. $5 stays on the card.

My Experience: My bank placed a hold on the $5,005 transfer, I simply had to call a provided 800 number to confirm the transfer. Also, my bank charged $3.00 for the ACH, so you definately want to move the entire $5,005 in one transaction. Also, it took about 5 days before the money was credited to my NetSpend account. After I got confirmation it was there, I did the “Move Money -> Savings” transaction in about 30 seconds.

Here’s the screen shot of my activity on the above steps, which shows the timing you should expect for the ACH setup, etc:

“You will get an email about qualifying for a low $5/month Fee Advantage Plan. Ignore it if you don’t plan to use the card often for purchases or ATM withdrawals. The fee-per-use plan you started with has no monthly fee. In about another week you will also get a new Premier card in the mail. Just activate it as usual. Having two cards active on one account is not a problem at all.”

My Experience: I did get the referenced email, about 15 minutes after transfering the $5,000 into the savings account, and ignored it. I did, however, investigate the fee differences between the “fee-per-use” plan and their proposed “Fee Advantage Plan” – here’s how they compare. I stayed with the “fee-per-use” plan, per Harry’s recommendation:

5. Set up recurring ACH. “Set up in your checking account a recurring ACH transfer of $2 every 2 months to the NetSpend card. This will avoid the inactivity fee. Let the $2 deposits build up. It’s not a big deal to leave some money on the card. Don’t bother transferring it to the savings account or pulling it back to your checking account.”

My Experience: Since my bank charges $3 per ACH transfer, I think I’ll just plan on transfering my earned interest back to my Debit Card from the NetSpend savings account (free transfer), then buy gas with the card every 3 months.

That’s it. After a one-time setup, everything runs on autopilot. Your $5,000 stays in the savings account earning 5%. Don’t touch it.

Interest on your $5,000 is paid quarterly (

$60). You can just leave it in the savings account. Amount above $5,000 still earns 0.5%. Having your $60 earn only 0.5% instead of 1% elsewhere isn’t a big deal. If you’d like, you can move the excess to the card once a year and pull it out by ACH. I wouldn’t do it more frequently than once a year.

While it takes a bit of work to get the account set up, I think it’s worth it given the lack of 5% options in today’s market. I set mine up primarily as a test for this blog, and to test the instructions provided by The Finance Buff. Having done it, I do agree with the recommendation and encourage you to consider it for yourself. The Finance Buff continues with a suggestion of potentially repeating the steps above and get up to 3 accounts per person. With a husband and wife both participating, you could move $30k into these 5% accounts. For me, I’m sticking with one card due to the $3 ACH fee. If the ACH’s were free from my bank, I would likely go through the steps to set up at least one more card, possibly two. Having said that, earning 5% for the minor inconvenience of setting up the card is a productive investment of my time.

I’m also considering this structure as a potential “retirement cash management model”, whereby I would maintain some “maintenance reserve” funds in the NetSpend account (e.g., roof repairs, furnace replacments, etc). It could serve as a convenient way to manage segregated accounts for various budget categories.

At this point, I’ll plan on leaving the money in the account for as long as NetSpend is paying the 5% rate. As Harry says, “When your money is earning 5% in a FDIC insured savings account, there really isn’t a good reason to withdraw. Keep it there for as long as 5% is so much better than anything else. Treat it as a long-term investment in bonds.” Whenever I decide to close the account, I’ll most likely just use the “Move Money” feature from Step 4 above, move it to the card, and spend it down via the debit card.

My last article, The Biggest Enemy Of Retirement, was about the negative impact of procrastination. Today is your test. I’m guessing with 99% confidence that no one reading this article is currently earning 5% interest on a safe, FDIC insured, savings account. If you are, then you get a pass. If you aren’t, then take action today. This simple move could earn you $250 more over the next year than if you keep $5,000 squirreled away in a “typical” savings account earning, essentially, nothing in today’s environment. Is $250 worth an hour of your time? I think so.

Do your own research, but this structure is one to consider.


NetSpend Prepaid Card $20 Referral Bonus Program

MaximizingMoney.com is NOT affiliated or associated with NetSpend® in any way and has no relationship with NetSpend or any of its related companies. The following information is provided by MaximizingMoney.com alone as a resource for consumers and does not represent NetSpend. The NetSpend name is a registered trademark of that company.

The NetSpend Prepaid Debit Card offers a $20 referral bonus to both parties when a current member refers a new member who adds $40 to their new NetSpend Prepaid Card account.

Just click through this NetSpend Card $20 Promotional Link and order your card using Referral Code 9699052155 to receive a $20 bonus when you add $40 to your new account.

Netspend savings account review

In order to qualify for the $20 bonus, you must activate the new card and load a minimum of $40 through direct deposit or store load only (instant bank transfers do not qualify for the $20 bonus).

Once you become a NetSpend Prepaid Card customer, you can earn a $20 credit for every friend that you refer who adds $40 to their new NetSpend Prepaid Card account.

Plus, newly referred customers will also receive a $20 credit, so everybody benefits.

There is no limit to the number of referral bonuses that a current customer can earn.

How To Earn $20 Bonus for New NetSpend Customers

2. Activate your new NetSpend Card once it arrives by mail.

3. Add at least $40 to your NetSpend Card account (through direct deposit or store load only).

4. Get a $20 bonus deposit in your NetSpend account.

Please be informed that the referred cardholder must activate the card and load a minimum of $40 through direct deposit or store load only in order to qualify for the $20 bonus.

There is no fee to open your new NetSpend Card account, and there is no fee for your initial card request.

The Pay-As-You-Go Plan is automatically effective when you first obtain your card, which has no Plan Fee.

You’ll basically be able to get a $20 bonus without paying any fees, although there may be fees associated with using your account at a later time, depending on how you use it.

Earn $20 Credits for Current NetSpend Customers

If you have a NetSpend Prepaid Card and want to participate in the referral program, please feel free to post your referral link in the comments section below this article, and we will use the referral link from the first person who comments within this article.

Check out the NetSpend Prepaid Card Referral Program for more details on how to access your unique referral link.

NetSpend Prepaid Card Referral Program Details

A cardholder may receive an unlimited number of referral rewards while this program is available.

No rewards will be credited to either party if the referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day that the $40 load requirement is fully met.

Cardholder-to-cardholder transfers do not count toward the minimum load requirement (direct deposit or store load only).

You must allow 2 business days for the $20 credit to appear on each card account.

Before you consider this offer, it is important to understand the NetSpend Card Fees.

There are 3 different purchase plan options to choose from with varying fees.

There is a $2.50 domestic ATM cash withdrawal fee per withdrawal, plus any ATM owner fees, so you can’t just withdraw your bonus money that way for free.

As far as loading funds, there is no direct deposit fee or bank transfer fee, but there may be a fee to add cash or checks at a NetSpend Reload Network location.

So even though you can get some extra bonus cash with this prepaid card, it may cost you to use it or get access to it.

That’s generally why credit card bonuses are better than most prepaid card offers, but if you need a prepaid card for some reason, then this may not be a bad option for you.

Participate in the NetSpend Prepaid Debit Card referral program to earn $20 bonuses today.

Barclaycard CashForward Credit Card $200 Bonus – New Increased Offer

Apply for the Barclaycard CashForward™ World Mastercard® to earn a $200 cash bonus after you spend $1,000 on purchases within the first 90 days after account opening, plus get 1.5% cash back on all purchases with a 5% redemption bonus and no annual fee. [Read More] Barclaycard CashForward Credit Card $200 Bonus – New Increased Offer

Nick Pahno says

This worked perfectly for me and my wife. Use my referral link and code below if you want. Type http://www.mynetspendcard.com/prepaid-debit-card/applyNow.m?ref=7919063450 into your web browser.

If you are asked to enter a referral code, use 8720886154.

Activate the NetSpend card you ordered once you receive it in the mail.

Add at least $40.00 to your new NetSpend account. You and I both will receive a $20 reward. Thanks.

1224864469 is a new referee code if needed.

Load 40 and receive 20$ free instantly use this email link click mynetspendcard.com?uref=1224864469

new code as of july 21st 2016. get $20 when you add $40 to your card. 9410828228

Lonnie Kennedy says

You will like the refer a friend netspend card go to my link type http://www.mynetspendcard.com/prepaid-debit-card/Referral Code: 7630773324 put in this referral code 7630773324. Activate the Netspend card you ordered once you receive it in the mail. Add at least $40 to your new card we will both get paid $20 reward.

http://www.mynetspendcard.com?uref=2291934312 use that link and load your code with at least $40 and you will receive a cash bonus of $20!

Who doesn’t like free cash?? Order your card today.

I would really appreciate if you use my referral link.

In order for both of us to get the bonus please follow the below steps:

1. To order a card. Click here or type http://www.mynetspendcard.com?uref=4971984276 into your Web browser. If you are asked to enter a referral code, use 4971984276.

2. Activate the NetSpend Visa Card card you ordered once you receive it in the mail.

3. Add at least $40.00 to your new NetSpend Visa Card account. You can add money by Direct Deposit, transfer it from an existing bank account, or deposit cash at any of over 90,000 load locations.

Once you’ve completed these steps, you and me each get the referral bonus of $20.00!

Worked for me! Free $20 bonus. No expiration and works every time for new users! Use my REFERRAL CODE: 16&1379952… Then on your first $40 added you’ll receive a $20 bonus just for using the referral code!

This really works! Sign up for a netspend prepaid debit card using referral code 8318185183 and when you receive your card In the mail load at least $40 and you’ll receive an extra $20 in two business days. Can’t beat free money!

Hey! how are you I was thinking about doing this, is there a certain way you have to load funds onto your card to get the credit? does it have to be wired through a bank account or could I just go to 711 and load it? please let me know. you can respond at [email protected] thank you!

Click on the link above enter your email address and basic info then please don’t forget to enter code 33015557595 if refferal code is different so we both can get the $20 loaded to our netspend cards.I would appreciate if you used my referral code.Get your $20 bonus with using my code 33015557595 Thanks to the ones who use my code, Will be greatly appreciated for the time and effort for using my code, It will pay off you will get your $20 once you load $40 to your card.

I would really appreciate if you use my referral link.

In order for both of us to get the bonus please follow the below steps:

1. To order a card. Click here or type http://www.mynetspendcard.com?uref=4971984276 into your Web browser. If you are asked to enter a referral code, use 4971984276.

2. Activate the NetSpend Visa Card card you ordered once you receive it in the mail.

3. Add at least $40.00 to your new NetSpend Visa Card account. You can add money by Direct Deposit, transfer it from an existing bank account, or deposit cash at any of over 90,000 load locations.

Once you’ve completed these steps, you and me each get the referral bonus of $20.00!

Please use my referral link http://www.mynetspendcard.com?uref=8687687614 to order a card, and follow the instructions above. My referral code is 8687687614.

I would really appreciate if you used my referral link. It will trigger a $20 bonus for each of us.

If you are asked to enter a referral code, use 4971984276

1. Order the card using the above link.

2. Register card once received.

3. Deposit at least $40

4. Receive $20 ( I got bonus on 2nd day after deposit hit my account)

Optional: Transfer at least $500 via ACH from your main bank and enjoy 5% APY savings account. You do not need to set real Direct Deposit or transfer funds via ACH every month to benefit of the 5% – you only have to do it once.

Advice: if your goal is only to get the referral and/or collect 5% interest – stay on “Pay As You Go” plan to avoid any fees.

Please use my referral link http://www.mynetspendcard.com?uref=8687687614 to order a card, and follow the instructions above. My referral code is 8687687614.

To save time, transfer $4800 via ACH from your main bank, you get 20$ bonus, then transfer the total 5000$ into the eligible 5% APY savings account.

Please use my referral code:3083843040

I would transfer the $500 first to get the bonus and updgraded card and then fund the rest for the savings account.

Please use my referral link http://www.mynetspendcard.com?uref=8687687614 to order a card, and follow the instructions above. My referral code is 8687687614.

It’s not necessary to wait for the upgraded card to enroll in the 5% saving. To save time, transfer $4800 via ACH from your main bank, you get 20$ bonus, then transfer the total 5000$ into the eligible 5% APY savings account as soon as the next business day.

here is a link and referral code that will surprise you, this is a unique code unlike the rest. just check it out. http://www.mynetspendcard.com?uref=4314544328 just in case they ask for a referral enter this number for the Referral Code: 4314544328

i can fully guarantee this code is something special. just find out for your self before netspend fixes the error. so act fast. you’ll be glad you did.

Please use my referral link http://www.mynetspendcard.com?uref=8687687614 to order a card, and follow the instructions above. My referral code is 8687687614.

NO SUPPRISE. You’ll get 20$ Bonus if you follow the instructions.

Get $30 if you sign up through my link. I will paypal/venmo you $10 after bonus is posted.

Sam, just signup from your link.

Thanks.Let me know when your bonus posts because that’s when my bonus will post and I can send the $10.

Jia Chen: got the bonus today. Will paypal the $10

Jia Chen: Sent it to your paypal from my friend’s account

Robert Wessels says

just used your referral code..

Thanks.Let me know when your bonus posts because that’s when my bonus will post and I can send the $10.

send me the link to my email so i know you’re still doing the $10 in paypal as well

Jessica bennett says

Get a netspend card and get 20 free after your add or deposit ur first 40 and with direct deposit you can get paid up to 2 days sooner and there is no required minimum balance!

In order for you each to get the bonus:

✔You need to order a card. Go to www.mynetspendcard.com?uref=8856602164 into your Web browser. If you are asked to enter a referral code, use 8856602164. Activate the NetSpend Visa Card card you ordered once you receive it in the mail. Add at least $40.00 to your new Card account by Direct Deposit or Call the number located on the back of the card. Only way it will add the extra $20.

✔Once you’ve completed these steps, you and jessica each get your referral bonus of$20.00!

My referral link is:

Three steps are required in order for each of you to get your $20 bonus:

You need to order a card. When you are asked to enter a referral code, use 2409882262.

Activate the Netspend’s Prepaid MasterCard you ordered once you get it in the mail.

Add at least $40.00 to your new Netspend’s Prepaid MasterCard account.

Once you’ve completed these steps, you will get a bonus of $20.00!

It is still valid. I will keep updating every 3 months until it is cancelled.

It is still valid. I will keep updating every 3 months until it is cancelled.

It is still valid as of Aug 18, 2016. I will keep updating every 3 months until it is cancelled.

It is still valid as of Dec 12, 2016. I will keep updating every 3 months until it is cancelled.

Netspend referral code 2409882262 is still valid as of 02/13/2017. Thanks! I will keep updating until it is cancelled.

Netspend referral code 2409882262 is still valid as of 05/16/2017. Thanks! I will keep updating until it is cancelled.

can any one explain which plan is best and how to close the account with out any fees?

In order for you each to get the bonus:

You need to order a card. Go to http://www.mynetspendcard.com?uref=6132130380 into your Web browser. If you are asked to enter a referral code, use 6132130380.

Activate the NetSpend Visa Card card you ordered once you receive it in the mail.

Add at least $40.00 to your new NetSpend Visa Card account. You can add money by Direct Deposit, transfer it from an existing bank account, or deposit cash at any of over 90,000 load locations.

Once you’ve completed these steps, you will get your referral bonus of $20.00!

If anyone is still offering a $10 PayPal bonus please send me your link. Email it to me at [email protected]

Mike Manning says

Steps to start being rich:

4. Deposit at least $40.00 using ACH (bank), Paypal or cash at their locations (for this fees may apply)

If anyone is looking into this you are welcome to use my link. If you do, let me know, I will send you $10 via paypal or flashpay (your choice) once we both get the $20 bonus!

Are you still offering an extra $10 through Paypal?

I still do and you can see above that few people used mine. Here is my referral: http://www.mynetspendcard.com?uref=5953924088

You can also reach me at [email protected] for any questions.

Victoria l bates says

I got to see this money

Are you still willing to send $10 via paypal once the account is funded? If so, let me know and I will get my account opened today with your referral code!

Could someone please use my code it will ready help me out

Will send you $10 Amazon GC by email if you use my link and fund your account.


NetSpend Prepaid Card: A Good Bank Account Alternative?

Netspend savings account review

[Disclosure: Cards from our partners are reviewed below.]

For the millions of Americans who don’t have a bank account, basic financial tasks like depositing checks or paying bills can be difficult. Even if you have a bank account , you may want a better method for staying on a strict budget or providing funds to family members. If this describes you, a prepaid card, which acts like a secured credit card , could be the solution.

NetSpend provides prepaid cards to an estimated 68 million consumers. If you need to manage your finances without being tethered to a bank account, you may be considering a NetSpend prepaid card for your wallet. Read on to learn about NetSpend’s features and the cost of card ownership to determine if the card is right for you. (Note: Be sure to read the card agreement for full details.)

Who’s the NetSpend Prepaid Card for?

NetSpend’s prepaid cards are primarily intended for people who don’t have traditional bank accounts and are easily accessible to people with poor or nonexistent credit . The cards provide many of the basic financial functions that traditionally come with bank accounts.

Netspend savings account review

Signing up for a NetSpend prepaid card is simple, as there is no credit check required and activating the card is free. The card is provided through Visa.

You can load the card via check, direct deposit or cash. Checks can be deposited via mobile app while both checks and cash can be loaded in person at one of NetSpend’s 130,000 physical Reload Locations.

Once funds are loaded, you can use it like a bank account debit card, shopping anywhere that accepts Visa. You can also pay bills online or withdraw cash from ATMs. NetSpend customers have online account access, text alerts and mobile phone refills.

NetSpend even provides PayBack Rewards, which help you earn cash back on some of your purchases (NetSpend regularly updates participating stores and offers).

Finally, you can open a savings account with up to a 5% Annual Percentage Yield (APY) to earn interest on money you set aside. Transferring funds between your savings account and your prepaid card is simple.

There’s also a NetSpend Premier version of the card, which features a lower monthly fee, a “purchase cushion” of $10 if you’re short on funds, and a free customized photo card.

NetSpend has three tiers of plans for its prepaid card customers:

  • Pay-As-You-Go: There is no monthly fee, but NetSpend charges $1 per transaction requiring a signature and $2 per transaction requiring your PIN.
  • FeeAdvantage Plan: Monthly fee of $9.95.
  • NetSpend Premier FeeAdvantage Plan: Monthly fee of $5 (to qualify for Premier you must direct deposit at least $500 per month)

There is a wide variety of fees that apply to all cards, including a $2.50 fee on all domestic ATM withdrawals and an inactivity fee of $5.95 if you don’t use the card for 90 days. The full list of fees is available on NetSpend’s website.

NetSpend is an attractive option for a few reasons. First, with no credit check required and no minimum deposit, virtually anyone can open a NetSpend card. Second, NetSpend customers get access to most of the important functions of a modern bank account (online account access, online bill pay, direct deposit) without needing a bank account.

But the card’s benefits must be weighed against the cost of ownership. For the Pay-As-You-Go plan, charges can quickly rack up if NetSpend is your main spending card. NetSpend has no in-network ATMs, so every ATM withdrawal will cost you a minimum of $2.50, plus any ATM operator fee.

Finally, like most prepaid cards, NetSpend does not contribute to your credit report. Even if you use the card responsibly, keep in mind that you won’t be building credit. (You can view two of your credit scores for free on Credit.com.)

Our Picks for Low-Cost Prepaid Cards

If you’re looking at prepaid cards, you might want to check out these alternatives that could cost you less. Here are two of our favorites.

Bluebird by American Express and Walmart

Netspend savings account review

Why We Picked It: The Bluebird card comes with minimal fees and free ATM access is available at over 24,000 MoneyPass ATMs. Bluebird customers also get four free cards to distribute and set spending and ATM limits, making it a great card for sharing funds with family. It has its own version of a savings account, and even comes with paper checks.

Fees: There is no monthly fee. Instant access to check deposits will cost 1% to 5% of the check amount, at a minimum of $5. ATM transactions at non-MoneyPass ATMs cost $2.50. Cardholders can also withdraw cash at Walmart using Cash Pickup Powered by Ria at a fee of $3, $6 or $9, depending on the withdrawal amount.

Netspend savings account review

Why We Picked It: The American Express Serve card has many common bank account features, and you could potentially use the card for free. You can load the card using direct deposit, bank transfer, mobile check deposit or in person at over 45,000 locations. The card features free online bill pay and free ATM withdrawals at over 24,000 MoneyPass ATMs.

Fees: The $1 monthly fee is waived if you direct deposit $500 or more each month. Expedited check deposits cost 1% of the check amount on payroll or government checks and 5% on all other checks with a $5 minimum. There is a $2.50 fee at non-participating ATMs.

By only using participating ATMs, direct depositing more than $500 per month and waiting for your checks to clear, you could conceivably use the card for free.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

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