8 Best Ways to Put Money on Netspend Card in 2023

how to put money on netspend card

Although plagued with high fees, Netspend is a handy way of getting paid and spending money if you don’t have a bank account

Today, we’re having a closer look at all the ways you can load your Netspend card, how long it takes, and how much you have to pay for it.

  1. Direct Deposit
  2. Bank Transfer
  3. Cash Deposit
  4. PayPal Transfer
  5. Netspend to Netspend 
  6. Tax Refund
  7. Mobile Check Load
  8. Wire Transfer

1. Direct Deposit

Direct deposit is the preferred way of adding money to your Netspend card. Whether you’re getting paid by your employer, or you’re getting government benefits, setting up direct debit is a seamless way of adding money to Netspend. 

Not only that but, you’ll get the money up to two days earlier than with a traditional bank. And if you get more than $500 deposited in a month, you qualify for a somewhat useful Netspend Premier account ($10 Purchase Cushion, Free custom card, Reduced Monthly Plan for $5/m). 

Direct deposits are naturally free and should be available as soon as they clear. That means faster than depositing money via a paper check which is one of the slowest methods. 

What can you Direct Deposit?

You can easily deposit a wide variety of income and benefits:

  • Tax refunds
  • Work paychecks
  • Pensions
  • Veterans’ benefits
  • Social Security benefits
  • Railroad Retirement Benefits (RRB)
  • SSI (Supplemental Security Income)
  • State unemployment benefits (varies by state)
  • Government Disability Benefits-SSDI or Workers Compensation
  • Defense Finance and Accounting Service Payments (DFAS)

READ ALSO: How to Get Money Off Netspend Account Without a Card (A Quick Guide)

How to get Routing and Account Numbers

netspend routing and account number

In order to set up direct deposits, you’ll have to know your Netspend routing and account number. You can only fetch it after you’ve activated your card and verified your identity.

To find the account and routing number:

  • Netspend will text you the routing number and account number if you registered for Anytime Alerts. Simply text DIRECT to 22622
  • Log in to your Netspend Online Account Center. In the main menu, choose ‘Direct Deposit.’ The account information appears in the grey box on the right side 
  • Call 1-866-387-7363 and pick “Other Services” to obtain your direct deposit info

By setting up direct deposit, you can choose if you want your whole check deposited, or just a part of it. Plus, you’ll get notified when the money arrives if you sign up for Anytime Alerts.

Netspend won’t charge you for these alerts, but your carrier may charge for data or messages.

2. Bank Transfer

Using a bank transfer, you can load your Netspend card from almost any bank account, bank debit card, checking, or even savings account. 

To make a transfer from your bank to your Netspend card, do the following:

  1. Sign in to your bank’s website
  2. Add your Netspend account info using the routing and account numbers (Click on “Direct Deposit” to find the Netspend routing and account number)

Once you link Netspend and your other account, the transfers should be seamless and available in a relatively short amount of time. 

Unfortunately, the funds can go only one way; from your bank account to Netspend. Meaning, that you won’t be able to send money back to your bank account.

READ NEXT: How to Use Apple Pay at Target (Guide & Helpful Tips)

3. Cash Deposit

netspend cash deposit

Cash deposits are an easy and convenient way of loading your Netspend card. There are over 130,000 locations nationwide that allow you to do a Netspend cash deposit. Some are free, and some charge around $2, but arguably, most locations will charge $3.95 per transaction.

That’s quite a lot of money if you’re forced to do it regularly, so your best bet would be to opt for one of the other options that are free.

To find the nearest locations, open the Netspend app or website and enable your location or type in your ZIP code, city, or state. 

You can put money on your card at gas stations, grocery stores, check cashers offices, big box stores, and convenience stores all over the US.

4. PayPal Transfer

You can also easily transfer money from your PayPal to your Netspend card. Simply link your Netspend account to your PayPal account, just as you would link a bank account or card. 

This usually involves two small random payments transferred out of your Netspend account that you’ll have to use to verify it on PayPal. Once the payments go through, go to your Netspend and remember the amounts so you can type them into PayPal.

To recap, you can link PayPal to Netspend to transfer money back and forth by doing the following:

  1. Log in to your PayPal account 
  2. Click on “Wallet” at the top of the page
  3. Click on “Link a credit or debit card” 
  4. Click on “Debit or credit card”
  5. Type in your card number, expiration date, CVV, and billing address
  6. Click “Link card”
  7. Go back in a day or two once the two small payments are done
  8. Type them in to confirm the Netspend card link

READ ALSO: 19 Side Hustle Ideas (How To Make $1,000+ in Extra Income)

5. Netspend to Netspend Transfer

netspend transfer

If someone you know has a Netspend account as well, they can also transfer money to your Netspend account for free. That’s a great way of sending and receiving money as no one is spending any money on fees with these transfers. 

All that the person sending money to you needs is your name and FlashPay ID. You can find your FlashPay ID in your Online Account Center.

6. Tax Refund

You can add money to Netspend by getting tax returns deposited into your account. To do this, you’ll have to select Direct Deposit on the tax form when filing taxes to get your refund to your Netspend card.

From there, enter your Netspend routing and account number in the nominated fields, and select “Checking” as the account type.

Tax refund via direct deposit means that your IRS paper check won’t get lost in the mail and you’ll get paid faster. 

7. Mobile Check Load

netspend mobile check load

Mobile check loading is another easy way of cashing them in without going to the bank but from the comfort of your home. 

All you have to do is download the Netspend app and:

  1. Select “Mobile Check Load” from the menu to the left
  2. Follow the on-screen prompts

This service is provided by a third-party bank and may involve fees. However, the funds are typically available in a few minutes or up to an hour. 

Netspend Alternative

Although Netspend is a popular prepaid debit card, we wouldn’t necessarily recommend it to most people. Not only does it have high spending and ATM fees, but its app is also terribly rated on the App Store (2.6/5).

What we can recommend, however, is Current. Current has no transaction or transfer fees, no minimum balances, no minimum transfer amounts, no overdraft fees, no activation fee, or even inactivity fees.

Its mobile app was designed for a streamlined user experience. It’s therefore easy to use and offers many money management tools and other features we’ve come to expect from digital banks.

You can open Current Account in less than 2 minutes or simply check out what else it has to offer. 


There are various ways to transfer money to your Netspend card. Some of them are fast and free, while others involve going to a physical location and even paying a fee. 

The best ways of adding money into your Netspend account are definitely direct bank transfer and direct debit. They’re fast and seamless. And once you set them up, they’re almost automatic. 

Make sure to enable Anytime Alerts so you’re informed of the exact moment the funds hit your Netspend card. 

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