How to Withdraw Money from Netspend Card for Free (8 Options) (2023)

Most of us have had a Netspend card at some point, whether out of curiosity or for convenience. The one thing that gets to you is the transaction charges. Now, if you’re like me, finding out how to get my money without paying to do so is of paramount importance.

Not only is it convenient to have a Netspend card, but we can use it for getting paid early, paying online bills, ATM withdrawals, cash transfers, and, of course, shopping. But how do we get the money without a charge?

Several ATMs allow us to withdraw funds from our Netspend card at no fee. They include Metabank, MoneyPass, VisaPlus Alliance, AllPoint, and more (which Netspend confirms). You can get cashback while shopping, or even some over-the-counter bank withdrawals (check ahead).

Continue reading as we take you through what Netspend is, how to get it, and, of course, access your money without paying a fee. Every topic is vital as we look to help you save while spending.

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How to Withdraw Money from Netspend Card for Free

How to Withdraw Money from Netspend Card for Free (8 Options) (3)

As mentioned earlier, there are a few ways to get funds free from your Netspend account. All 55,000 Netspend in-network ATMs will accept your Netspend prepaid Mastercard or Visa without charge.

Established retail chains like Target, Walgreens, CVS, Speedway, and more have Allpoint ATMs installed across their locations.

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However, for those new to Netspend, and who are looking for a convenience card, we’ll tell you a little about it before delving deeper into the available free withdrawal locations.

What Is Netspend?

How to Withdraw Money from Netspend Card for Free (8 Options) (4)

Netspend is a financial company that offers alternative financial services, such as prepaid debit cards, direct deposit, bill pay, and mobile check depositing. It was founded in 1999 and is based in Austin, Texas.

While Netspend is not a traditional bank, it is FDIC-insured. That means all your money comes with the same protection you would get from any traditional bank.

Netspend Free Cash Withdrawals

We all know how horrible ATM charges can be, especially if you have to pay fees from both ends. You can withdraw money from your Netspend prepaid card from an ATM if you need it. However, Netspend charges a $2.95 fee for each ATM transaction.

This is in addition to ATM fees, which can reach as high as six dollars, depending on the service provider. For your convenience, the following networks do not charge a fee when you use your Netspend account to withdraw money.

1. ATMs for the Metabank

Metabank, Netspend’s parent company, offers free ATM cash withdrawals to Netspend cardholders.

At Walmart shops around the country, as well as other retailers like CVS Pharmacy and Speedway petrol stations, Metabank ATMs are available for customers to use.

2. ATMs Belonging to the MoneyPass Network

Because Netspend is a member of the MoneyPass network, you’ll be able to use any of the more than 37,000 surcharge-free MoneyPass ATMs across the country.

Even while Costco, Walgreens, and CVS are typically the ones with MoneyPass ATMs, there are thousands of additional places in the US where they can be located, including credit unions and banks.

You can use the MoneyPass simple web locator to find an ATM nearby.

3. ATMs for Visa Plus Alliance

Withdrawing money from your Netspend account is free and easy thanks to the Visa Plus Alliance network, which includes over two million ATMs across the world.

If the ATM operator imposes a fee, you may be required to pay it; however, Netspend will not charge you for using an ATM on this network.

It’s even better since Visa Plus Alliance ATMs may be found everywhere—in banks, credit unions, supermarkets, and even universities.

4. ATMs from AllPoint

Allpoint surcharge-free ATMs include Netspend. It’s free to use any of the more than 55,000 ATMs on the Netspend network using a Visa or Mastercard prepaid card.

Popular retail chains have Allpoint ATMs installed across their locations. To find them, look for the “surcharge-free” label and the MasterCard or Visa logo on them.

Netspend Cardholders Now Have More Options For Withdrawing Money

How to Withdraw Money from Netspend Card for Free (8 Options) (5)

You can also make no-fee cash withdrawals from Netspend using the following methods:


Using a Netspend card at Walmart allows customers to withdraw cash in three ways:

Walmart’s money management center

At Walmart MoneyCenters, you can withdraw funds from your Netspend card. You will need to bring your Netspend card, a government-issued photo ID, and know your PIN.

Withdrawals are limited to $5,000 per day and incur a cost of $3.75 for every transaction, but this varies by Walmart location. If you’re unsure, ask first.

Cash Back

Make sure to ask before trying to get Netspend cash back at the Walmart cash register. Some Walmarts, like other Netspend-affiliated stores, provide cash back at the register for in-store purchases.

When you use your Netspend card to make a purchase, you may expect to receive between $20 and $100 in cashback, as you would with your regular bank debit card.

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You can avoid paying any fees by using this method, but you are limited in the amount of free cash you can receive while shopping in-store.

ATMs at Walmart

Some Walmart locations have ATMs that allow you to withdraw cash from your Netspend account.

To avoid the withdrawal fee from Netspend plus the fee at a Walmart ATM, use one of the above-mentioned four networks instead.

Netspend Free Withdrawal From Banks

How to Withdraw Money from Netspend Card for Free (8 Options) (8)

You can use your Netspend card to withdraw up to $4,999.99 a day from various banks and credit unions in the United States.

Cash withdrawals from Netspend over-the-counter facilities might be free or chargeable depending on the location. It’s generally a good idea to phone ahead and find out if they’ll accept the transaction and how much you’ll need to pay for it before you arrive.

To use Netspend, you’ll need a government-issued photo ID like a driver’s license, state ID card, or passport from the United States.

The majority of ATMs that accept Visa and Mastercard will accept your Netspend prepaid card. That makes using your card at an ATM that displays the Visa or Mastercard logo a simple feat.

Note, however, that Netspend’s $2.95 withdrawal fee plus the ATM’s fees will be added to your bill if you use an out-of-network ATM.

Who Can Apply for a Netspend Card?

How to Withdraw Money from Netspend Card for Free (8 Options) (9)

Even if you don’t have a bank account or a credit history, you can apply for a Netspend card.

Netspend cards can also be ordered and activated for free. Using your name, a US address, ZIP code, and an email address log on to the Netspend website and register for a Netspend account.

Choosing a username, password, and security question can be done after you sign up, and you’ll receive a card within seven to ten business days.

After getting your Netspend card in the mail, you can reload it and use it as a conventional debit card.

A Netspend Prepaid Card: What Can You Do With It?

You can use Netspend prepaid cards to achieve nearly everything a debit card does, such as:

  • Use Visa or MasterCard to make purchases online and in-store.
  • You can use it to pay for meals, gas, and other necessities.
  • Direct deposit is the preferred method of receiving your wages and government perks.
  • Online bill payments are available (including recurring bills).
  • Transact in monetary value
  • Using the Netspend mobile app or checking your account online, you can keep tabs on your finances.
  • To cash your checks, use the mobile check deposit option.
  • There are over 130,000 places where you can recharge your card.
  • Get rebates and discounts with cashback.

Netspend Prepaid Card Withdrawal Limits

The amount you can withdraw, transact, spend, and load onto your Netspend prepaid card is restricted due to federal laws. According to their website, these are the maximum values:

  • Every 24 hours, you may spend a maximum of $4,999.99 on purchases
  • Over-the-counter cash withdrawals are limited to $4,999.99 each day.
  • Each ATM withdrawal has a max of $325.00
  • ATM withdrawals totaling $940.00 per day
  • Only six 24-hour ATM withdrawals are permitted.

Log into your Netspend account or contact Netspend’s support staff if you’re unsure of your real-time spending limits.

Netspend Free Withdrawal Services: The Bottom Line

It’s important to keep an eye out for no-fee ATMs while managing your money wisely, which means utilizing a prepaid debit card to stay out of trouble with overdrafts and loans. Netspend encourages cashback withdrawals.

There are certain places where you won’t be able to do this, but a lot of retail and grocery stores and other businesses will offer this service. Why not take advantage of this? You’ll be able to withdraw all of your funds without incurring any ATM fees!

Find out what the cashback limits are since many stores impose restrictions on how much you can withdraw. Make sure that when the time comes, you have enough money to cover all of your expenses.

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Where can I withdraw money from Netspend for free? ›

You can withdraw money free at MoneyPass ATMs if you have a MoneyPass Netspend ATM card. You can use your app's ATM locator to locate the nearest ATM.

Can you withdraw from Netspend without a fee? ›

There are two financial companies that offer free ATM cash withdrawals for Netspend customers, namely MoneyPass and MetaBank. Currently numbering around 61,000, MoneyPass ATMs are located all across the US, and it is one of the largest surcharge-free ATM networks in the country.

How do I get money off my Netspend card? ›

With a Netspend Prepaid Debit Card, you can make purchases at stores, over the phone and online. Use it anywhere Debit Mastercard and Visa debit cards are accepted. Withdraw cash at ATMs worldwide.

How to avoid Netspend fees? ›

Per withdrawal. You may also be charged a fee by the ATM operator. You can avoid ATM fees if you select "DEBIT" and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.

Is 711 ATM free Netspend? ›

Netspend does not charge for this service, but your wireless carrier may charge for messages or data. There is no cost for ATM withdrawals performed at participating 7-Eleven locations. Visit for a list of participating 7-Eleven locations.

How can I avoid ATM fees? ›

Ways to avoid ATM fees
  1. Get cash back. When you check out at a grocery store or other retailer, you'll typically have the option to get cash back with the purchase. ...
  2. Find in-network ATMs. ...
  3. Go digital with a payment app. ...
  4. Withdraw larger sums, less frequently. ...
  5. Open an account that reimburses fees.
Jul 14, 2022

Can I overdraft my Netspend card with no money? ›

Netspend lets cardholders overdraw their accounts, but only if they have previously enrolled in its overdraft protection service. Otherwise, Netspend does not allow you to go over the amount authorized on your card.

What bank can I go to for Netspend? ›

The Savings Account linked with your All-Access Account is made available to Accountholders through Pathward and Republic Bank & Trust Company; Members FDIC. Funds on deposit are FDIC insured through Pathward and Republic Bank & Trust Company.

Can I overdraw my Netspend all-access card? ›

The Debit Card Overdraft Service is an optional service made available to eligible Netspend All-Access Account customers by Pathward, N.A. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) ...

How do you get money off a prepaid card? ›

Can you pull money out of a prepaid card? Yes, you can usually pull cash out of a prepaid card at an ATM, just like a regular debit card.

What is the withdrawal limit for Netspend all access? ›

Netspend All-Access Account by MetaBank® has a daily ATM withdrawal limit of $1,000.

Does netspend charge a fee for every transaction? ›

Netspend Prepaid Visa cards are available on a pay-as-you-go plan, where every purchase will incur a transaction fee. This would benefit customers that don't plan to use their card for every single purchase they make, as those $1.50 transaction fees would add up.

Do you have to pay a monthly fee for netspend? ›

Whether you're looking for simplicity, value, or more flexibility, we've got a fee plan to fit your lifestyle. The Monthly Plan is optional and covers only purchase transaction fees. It does not include ATM fees or any other fees associated with the use and reloading of the Card Account.

How much is netspend card at Walmart? ›

A Netspend card is free if you sign-up for the card online. Getting a card at a retailer, such as Walmart, can cost $5 to $10. A Netspend card has no card activation fee, minimum balance requirement, credit check, interest rate, cash advance fee, or late payment fee.

What ATM can I use my money network card for free? ›

You receive free withdrawals from all AllPoint Network and MoneyPass Network ATMs. The ATM owner may charge you a surcharge fee for any transaction. Alternatively, you can also take the card to a teller at any bank or credit union displaying the Visa acceptance mark for a cash advance.

Do 7 Eleven ATMs charge a fee? ›

Because they are part of the CO-OP Partner Network, ATMs at 7-Eleven stores now offer 24/7 access to your BECU accounts via kiosks, surcharge-free.

What is a MoneyPass ATM? ›

MoneyPass is a surcharge-free ATM network. Transactions conducted at ATMs that participate in the MoneyPass Network may be subject to U.S. Bank ATM transaction fees, although surcharge fees are waived if you use your U.S. Bank account card.

What ATMs let you withdraw $5? ›

Numerica ATMs allow you to choose from $5, $20, and $50 denominations when you select the Cash Withdrawal option.

Can I get ATM fees waived? ›

Certain banks may waive their non-network ATM fees or reimburse you for operator fees charged by other ATM owners. However, high-yield accounts often come with monthly service charges that can't be avoided unless you meet a high minimum account balance.

What Debit cards have no ATM fees? ›

The 7 Best Checking Accounts With No ATM Fees in 2023
  • Best Overall: Axos Bank.
  • Best Interest Rate: Paramount Bank.
  • Best for International ATMs: Needham Bank.
  • Best for Debit Card Users: LendingClub.
  • Best From a Credit Union: Alliant Credit Union.
  • Best for Low Fees From a Big Bank: Ally Bank.
  • Best for Overdrafts: Discover Bank.
Jan 5, 2023

What banks are associated with Netspend? ›

Netspend Visa® and MasterCard® Prepaid Cards are issued by The Bancorp Bank, Regions Bank, Pathward™, National Association, and Republic Bank & Trust Company, Members FDIC. Netspend is a registered agent of The Bancorp Bank, Regions Bank, Pathward, NA, and Republic Bank & Trust Company.

Who does Netspend all access bank with? ›

Netspend® All-Access® is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC. The Netspend® All-Access® by MetaBank, N.A. Account is established by MetaBank®, National Association Member FDIC. Netspend is a service provider to MetaBank, N.A., and Republic Bank & Trust Company.

Can I overdraft $100 on my Netspend card? ›

Netspend lets cardholders overdraw their accounts, but only if they have previously enrolled in its overdraft protection service. Otherwise, Netspend does not allow you to go over the amount authorized on your card.

What can I link Netspend to? ›

1. Peer-to-peer money transfers
  • Netspend FlashPay. FlashPay is a Netspend service that lets you transfer money from your Netspend prepaid card. ...
  • PayPal. PayPal has long been the go-to choice when it comes to peer-to-peer transfers. ...
  • Venmo. ...
  • Zelle.
Jul 26, 2022

Is Netspend a real bank account? ›

Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend's licenses and related information may be found at

How much will NetSpend let you overdraft? ›

Optional Debit Card Overdraft Service

Approved purchase transactions may create up to a $10.00 negative balance on your Account. Accountholder is responsible for repayment of any negative balance.

What is the withdrawal limit for NetSpend all access? ›

Netspend All-Access Account by MetaBank® has a daily ATM withdrawal limit of $1,000.

Can you transfer money from NetSpend to bank account? ›

You cannot transfer money from NetSpend to a bank account. You can only transfer money to people who also have Netspend cards. You can do that online by logging in to your account and selecting "Send Money". However, you can receive money on NetSpend from any U.S. bank account.


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