March 2, 2024
Unlock the full value of Netspend card! Read our complete guide on where can I put money on my Netspend card, and learn about the various options available to you. Additionally, we cover savings and budgeting strategies, compare Netspend with other popular prepaid debit cards, and provide tips on how to earn rewards with Netspend card.


If you’re looking for a convenient way to manage your finances, Netspend card is an excellent option to consider. This card allows you to load and manage funds electronically, which is especially helpful if you don’t have a traditional bank account. However, loading funds onto the card can sometimes be a challenge. In this article, we will provide you with a comprehensive guide on where can I put money on my Netspend card, and offer some advice on how to save and earn rewards with this prepaid debit card.

A step-by-step guide on how to load funds on your Netspend card

Here are three common methods to load funds on your Netspend card:

Method 1: Direct Deposit

Direct deposit is one of the easiest ways to load money on your Netspend card. You can set up direct deposit of your paycheck or government benefits, and the funds will be automatically added to your card balance. Simply provide your Netspend account number and routing number to your employer or benefit provider.

Method 2: Bank Transfer

If you have a checking or savings account with another bank, you can transfer funds from that account to your Netspend card. To set up a bank transfer, you’ll need to link your Netspend account to your other bank account on the Netspend website or mobile app. Then, you can initiate the transfer and the funds will be added to your card balance within one to three business days.

Method 3: Cash Reload

If you prefer to load cash onto your Netspend card, consider using one of the many retailers that offer cash reload services. These include CVS, Walgreens, Walmart, and many other national and regional stores. You can also add funds at participating check cashing locations.

10 Best Ways to Load Money on My Netspend Card

Here are ten other ways to load money onto your Netspend card:

Option 1: Online Transfer

You can transfer funds from another account or financial institution to your Netspend account through the Online Account Center. The transfer can go through as an ACH or wire transfer.

Option 2: Mobile Check Deposit

You can deposit a check by logging in to the Netspend mobile app, selecting “Deposit” on the app home screen, and taking a picture of your endorsed check.

Option 3: PayPal Funds Transfer

You can link your Netspend card to your PayPal account to make payments, but you can also move money between the two. Transfers from PayPal to the Netspend card are instant.

Option 4: 7-Eleven Stores

You can visit select 7-Eleven stores and add funds to your Netspend card at the register. Cash or debit card payments are accepted.

Option 5: Western Union Transfer

You can visit a Western Union location and load funds onto your Netspend card with cash or a debit card. Transfer fees may apply.

Option 6: Direct Cash Deposit

You can visit a participating location, such as Ace Cash Express, and load cash onto your card at the register. A fee may apply.

Option 7: Tax Refund Transfer

You can have your tax refund deposited into your Netspend account when you file your taxes. This can be done by selecting the direct deposit option and providing your Netspend account information.

Option 8: Government Benefits Transfer

You can have government benefits, such as Social Security or disability payments, deposited directly onto your Netspend card. Sign up for direct deposit through your benefits provider.

Option 9: Credit Card Funds Transfer

You can link a credit card to your Netspend account to make payments, but you can also move money between the two. Transfers from a credit card to a Netspend card may be treated as cash advances and may incur additional fees.

Option 10: MoneyPak

You can purchase a MoneyPak at select retailers and transfer the funds to your Netspend card online. A fee may apply.

Saving and Budgeting Strategies With Netspend Card

Netspend card offers several budgeting and savings tools to help cardholders manage their finances. You can track expenses, set up a budget, and receive text or email alerts when your balance is low. Netspend also offers a savings account option that allows you to earn interest on your balance.

Other helpful tips to manage your personal finances with Netspend card include:

  • Set up automatic transfers to your savings account
  • Make a plan for paying off debt
  • Avoid unnecessary fees by opting for free services and choosing your loading options carefully
  • Reevaluate your budget regularly to adjust for changing expenses or income

Netspend vs. Other Prepaid Debit Cards: A Comparison

There are several other prepaid debit card options available, so it’s important to consider all of the costs and benefits before choosing one. Here are three comparisons to help you decide:

Comparison of Netspend with Walmart MoneyCard

Both Netspend and Walmart MoneyCard offer similar features and fees for reloading and using the card. However, Walmart MoneyCard may be more convenient if you frequently shop at Walmart stores or online.

Comparison of Netspend with Bluebird from American Express

Bluebird offers a few unique features, such as free ATM access at MoneyPass ATMs and the ability to write checks from your account. However, the card may come with more fees than Netspend for loading and using the card.

Comparison of Netspend with Chime

Chime offers a mobile-focused banking experience with no monthly fees or minimum balance requirements. The card also allows for free overdraft transactions. However, the card lacks some of the features offered by Netspend, such as cash-loading options and rewards programs.

How to Earn Rewards With Netspend Card

Netspend offers a rewards program that allows you to earn points for certain activities, such as adding funds to your account and referring friends. Points can be redeemed for cashback, gift cards, and merchandise, among other options.

To qualify for the Netspend rewards program, you must have a Premier account and enroll in the program through your Online Account Center. Once enrolled, you can earn points by completing various tasks and redeem them for rewards.

To maximize your rewards with Netspend, consider:

  • Adding funds to your card regularly
  • Referring friends and family to Netspend
  • Using your card for everyday purchases to earn points faster
  • Redeeming your points for cashback or other valuable rewards


Netspend card is a convenient option for managing your finances, but loading funds onto the card can sometimes be a challenge. With this comprehensive guide, you now have several options for where can I put money on my Netspend card. Remember to take advantage of the budgeting and savings tools offered by Netspend, compare prepaid debit card options before choosing one, and consider earning rewards with this card to maximize its value.

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