Where Can I Reload My Netspend Card?

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The Netspend Card is a prepaid debit card from the global payment company Netspend that allows you to make transactions without a bank account. It only takes a few minutes to open an account online or in person and there's no credit check or minimum deposit requirements. Once you’ve added funds to your account, you can use your card for online and in-person purchases, send money to friends or family, or pay bills.

Netspend offers several options to reload your card, including direct deposit and mobile check deposit. Knowing your options for reloading this prepaid debit card can help you plan ahead and be sure your funds are available when you need them.

Key Takeaways

  • Global payment company Netspend offers a prepaid debit card that allows the cardholder to make electronic payments online or in person.
  • Account holders can reload their card in person at participating retailers like CVS, Walmart, and 7-Eleven
  • In-person cash reloads can cost up to $4, depending on where the transaction takes place.
  • Digital reload options are also available and include direct deposit, bank and wire transfer, and mobile check deposit.

Where Can You Reload Your Netspend Card?

You have multiple options for reloading your Netspend Card, including in-person cash reloads at participating locations. Some locations may charge a small fee for reloads. 


To find a reload location near you, type your zip code in Netspend's online location finder. The finder will display the 10 closest locations and the reload fee for each.

Reload Location Reload Fee
7-Eleven $3.95
Advance America $2.00
Albertsons $3.95
Check 'n Go No fee
Chevron $3.95
Circle K $3.95
Currency Exchange $2.00
CVS Pharmacy $3.95
Dollar General $3.95
Family Dollar $3.95
Flying J $3.95
Food City $3.95
Kroger $3.95
Office Depot $3.95
Rite Aid $3.95
Shell $3.95
Speedway $3.95
Walgreens $3.95
Walmart $3.74
Winn-Dixie $3.95

Other Options for Reloading Your Netspend Card

In addition to in-person cash reloads, Netspend offers several electronic options for reloading your account. Some options make use of the card's routing and account number, which functions similar to those of a traditional bank account.

Direct Deposit

You can have your paycheck direct deposited into your Netspend Card and, generally, get your funds up to two days faster than with the traditional banking practice. Direct deposit works with a variety of checks, including: 

  • Work paychecks
  • Tax refunds
  • Social Security benefits
  • Supplemental Security Income
  • Pensions
  • Railroad retirement benefits
  • Defense finance and accounting service payments
  • State unemployment benefits, varies by state
  • Government disability benefits-SSDI or workers compensation (varies by state)
  • Veterans’ benefits


If you have $500 or more direct deposited into your account, you will then be eligible to upgrade to Netspend Premier and save on fees.

Mobile Check Load

If you have a physical check to deposit to your account, you can use the Netspend Mobile App to take a photo of your check with your phone to complete the deposit. Inside the app, select the "Mobile Check Load" option, which guides you through the process of taking photos of your check.

Bank Transfer

You can add money to your Netspend card from a checking or savings account, as long as your bank participates. To transfer money, log in to your account and link your bank account to your Netspend Card. Some banks may charge a fee for transfers.


Some banks may charge a fee for transfers and the amount is determined by the bank itself. 

Wire Transfer

You can receive wire transfer to your Netspend card through Western Union. Fees can vary and won't be calculated until the time of the transaction. That being said, the wire transfer feature is only available on some Netspend cards. You can check your account to see if the feature is available for you.


You can also transfer money from your PayPal account to your Netspend card. To do so, add your routing and account number to your PayPal account. PayPal may charge you a fee for transfers from an account. 

Frequently Asked Questions (FAQs)

What is Netspend?

Netspend is a global payment company that offers a prepaid debit card, allowing you to manage your money without a bank account. Account holders can add funds to their account with direct deposit, bank transfers, or cash reloads at more than 130,000 reload locations. There are no credit checks, activation fees, and minimum balances. Funds on your Netspend Card are FDIC-Insured and protected from unauthorized purchases.

How do you transfer money from Netspend to a bank account?

Log in to the Online Account Center to link an account from a participating bank and transfer money from your Netspend Account.

How do you check your Netspend balance?

Log in to the Online Account Center to check your balance for free at any time. You can sign up for alerts, enabling you to receive a text message with your balance after every transaction. After you’ve signed up for Anytime Alerts, text ‘BAL’ to 22622 anytime to receive your balance via text. Or, you can call 1-866-387-7363 or make an inquiry at a participating ATM for a 50 cent fee.

Where do you buy a Netspend card?

Sign up for a Netspend card online with no credit check or upfront fees. Or, you can purchase a card in person at participating retailers like CVS, Family Dollar, Walmart, or 7eleven. You may be charged a purchase fee of up to $9.95 depending on the retailer. According to Netspend, residents of Vermont are ineligible to open a card account.

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  1. Netspend. "Location Finder."

  2. Netspend. "Direct Deposit Your Paycheck to Your Card Account."

  3. Netspend. "Load Checks With a Snap."

  4. Netspend. "Prepaid Puts You in Charge."

  5. Netspend. "Frequently Asked Questions: How Do I Check my Account Balance?"

  6. Netspend. "Cardholder Agreements and Fee Information."

  7. Netspend. "Frequently Asked Questions: How Do I Get a Netspend Card?"

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