How to Get Money Off Of a Netspend Account without a Card

Written By Branson Knowles

Netspend offers a prepaid debit card that allows you to access your money when you need it. It’s a great way to manage your finances without the hassle of having to wait for a check or cash. However, if you don’t have your card with you, it can be difficult to access your money. 

Fortunately, there are several ways that you can get money off of your Netspend account without using a card:

If you’re in need of more methods to get money off of your Netspend account, you can call the company and request a check.

How to Get Money off of Netspend without a Card by Requesting a Check

If you have a Netspend account, there are several ways to get money off of it without your card.

One of the most popular methods is to request a check from Netspend. 

This allows you to withdraw your funds in the form of a check, which can then be deposited into your bank account or cashed at any financial institution that accepts checks. 

To request a check from Netspend, you must first log in to your account and select the “Request Check” option.

You will then need to enter the amount you wish to withdraw and provide information about where the check should be sent.

Once completed, Netspend will mail out a check within two business days.

The check will be made payable to you, however your name is displayed on Netspend. 

You can also reach out to the Netspend support team and let them know that you’d like to withdraw your funds in the form of a check. They should be able to accommodate your request as well.

How to Get Money off of Netspend without a Card (Send to a Friend Through Flashpay Network)

Netspend is a great way to manage your finances for the underbanked and the unbanked alike. It’s a great place to store your funds, and you can use the Netspend card to access your funds.

If you don’t have the card and still want some cash, you may have to get creative.

netspend account to account transfer

One of the simplest ways of getting cash from your Netspend account is by sending your funds to your friend for them to withdraw.

This is only applicable through the FlashPay network as Netspend doesn’t have their own transfer system.

If you don’t have a Netspend card and are looking to send cash to another user, you have a couple of options:  

Option 1: Use the Netspend Mobile App

If you have a Netspend account, you should already have the Netspend mobile app installed on your smartphone.

The app provides a seamless way to access your account and perform various transactions. 

To transfer money from your Netspend account to another user without using your card, follow these steps:

  1. Open the Netspend mobile app on your smartphone
  2. Log in to your account using your username and password
  3. Tap on “Send Money” from the menu options
  4. Enter the recipient’s name, phone number or email address
  5. Enter the amount you want to transfer
  6. Choose the funding source
  7. Confirm the transfer details
  8. Submit the transfer and wait for the confirmation

Option 2: Use the Netspend Website

If you prefer not to use your mobile app, you can still transfer money from your Netspend account to another user without using your card using the Netspend website.

Here’s how:

  1. Go to the Netspend website on your browser
  2. Log in to your account using your username and password
  3. Click on “Send Money” from the menu options
  4. Enter the recipient’s name, phone number or email address
  5. Enter the amount you want to transfer
  6. Choose the funding source
  7. Confirm the transfer details
  8. Submit the transfer and wait for the confirmation

Option 3: Call Netspend Customer Service

If you don’t have access to your mobile app or the Netspend website, you can call the customer service department to assist you with the transfer.

Note that you will be required to answer a series of security questions to authenticate your identity. Here’s how:

  1. Dial the Netspend customer service number on your phone
  2. Wait for the representative to answer the call
  3. Explain why you want to transfer money to another user without using your card
  4. Provide your account information and answer security questions to authenticate your identity
  5. Provide the recipient’s name, phone number, or email address
  6. Provide the amount you want to transfer
  7. Confirm the transfer details with the representative
  8. Wait for the confirmation of the transfer

How to Get Money off of Netspend through Paypal

netspend through paypal

If you are a Netspend account holder, you know how necessary it is to have quick and easy access to your funds.

However, what do you do when you don’t have your Netspend card? Fortunately, there are ways to transfer money from Netspend to PayPal without the card. 

The first step is to link your Netspend account to your PayPal account. To do this, log in to your PayPal account and navigate to the “Link a Bank” section of your account. 

Choose “Adding a Bank Account,” and then enter the required details, including your Netspend routing and account number. Once you’ve done this, click “Continue” to complete the process.

After you’ve linked your Netspend account to PayPal, the next step is to verify your Netspend account.

To do this, you will need to confirm your identity by providing your name, address, and social security number. 

Paypal will need to verify your information after you enter it. This may take up to a few business days, so be patient.

Once your Netspend account is linked and verified by PayPal, you can proceed with the money transfer. Start by logging in to your PayPal account and selecting “Add Money” from the “Transfer Money” section.

paypal to netspend

 

Enter the amount you’d like to transfer, and then select “Netspend” as your funding source. Paypal will also ask what country you’re sending your funds to or requesting them from. Finally, click “Continue” to complete the transfer.

Now that the transfer is complete, you can withdraw the funds from PayPal to your bank account. Navigate to the “Withdraw” section of your PayPal account and choose your preferred withdrawal method. 

Once you’ve completed the withdrawal, the funds will be transferred to your bank account.

You can also send funds to other users through the Paypal app.

sending money from paypal

After you have connected your Netspend account to your Paypal account, you will always be able to transfer funds from Netspend to Paypal, and you’ll never have to relink the accounts either.

How to Get Money off of Netspend through a Virtual Account Number (Use Cardless ATM)

It can be frustrating when you need to access the funds in your Netspend account, but you don’t have your card with you.

Thankfully, Netspend offers a virtual account number that can help you get cash without having your physical card. 

Generating a virtual account number can be confusing for some; let me break down the process through some easy-to-follow steps:

1. Set up your virtual account number

To use a virtual account number, you first need to set it up. Log in to your Netspend account and select “Virtual Accounts” from the menu.

From there, you can create a new virtual account number. Netspend will let you create up to 6 virtual account numbers.

This number acts like a pseudonym for your actual Netspend account, giving you an extra layer of security when making online purchases.

Once your virtual account number is created, you can use it to get cash from an ATM.

2. Find an ATM that accepts Netspend’s Virtual Account

Not all ATMs accept Netspend, so finding one that does is essential.

Netspend has a tool on their website that you can use to locate nearby ATMs. 

looking for netspend atm

Remember that using an ATM that doesn’t accept Netspend will incur fees that can add up quickly, so it’s best to do a bit of research beforehand. The ATM itself might incur fees as well.

netspend atm fees

3. Request a withdrawal using your virtual account number

When you reach the ATM, you’ll need to select the option to withdraw cash using your virtual account number. Enter your virtual account number along with your PIN. 

The ATM will confirm that the account number is valid and then prompt you to enter the amount of money you want to withdraw. Once you’ve entered the amount, the ATM will dispense your cash.

Again, not all ATMs accept virtual accounts. Make sure the machine you’re heading to does before you make the trip. 

4. Avoid fees

Using a virtual account number comes with a variety of benefits, but it’s essential to avoid fees that can add up quickly.

Read the fine print carefully and make sure you know which fees you might encounter, as Netspend does have a decent amount of them.

How to Get Money off of a Netspend Account without a Card Using a Virtual Card

apple pay card details branson

While it might seem like an impossible task, don’t worry – getting money off your Netspend account without a card is easier than you think.

By adding your Netspend card to a digital wallet, you can access your funds and withdraw cash without ever having your physical card on you.

1. Download the Netspend app

Before you can add your Netspend card to your digital wallet, you need to download the Netspend app. The app is available for download on the App Store and Google Play Store. Once you’ve downloaded the app, log in to your Netspend account.

2. Add your card to the Digital Wallet

The next step is to add your card to your digital wallet. Find the “Add to Wallet” button in the app, and select the digital wallet of your choice (Apple Pay, Google Pay, or Samsung Pay). 

You will need to verify you are the cardholder by entering the card’s security code that is located on the back of your card.

3. Make sure the merchant accepts the digital wallet

Now that you’ve added your Netspend card to your digital wallet, you should confirm if the merchant you’re transacting with accepts the digital wallet you’re using.

Many participating stores allow you to use digital wallets, but you’ll still want to verify in advance. 

You can do this by reviewing the payment options listed on the merchant’s website, app, or checkout process.

4. Complete your transaction

If the merchant accepts your digital wallet, you’re ready to complete your transaction.

You can use your digital wallet to make purchases in-store or online.

You may be able to use your digital wallet to withdraw cash from ATMs, but this varies depending on the digital wallet you’re using.

If this article was useful for you, please check out more written by me and our team:

About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at TopMobileBanks.com.

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining TopMobileBanks.com, breaking down banking like only an ex-banker could.

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