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

how to get money off netspend without a card

Did you lose your Netspend card and need to get some cash out of the account before the new one arrives? Although not ideal, I did find a good few ways that can help you get money out of your Netspend account. 

Here are your options:

  1. Transfer money to your friend’s account and get them to withdraw the money
  2. Send money to another bank account
  3. See the card details in the Netspend app
  4. Generate a temporary Virtual Account number
  5. Use the Netspend card through Apple Pay, Google Pay, PayPal, or Cash App

Alright, let’s expand on each of these and see which option would suit you best. I’ll admit that these aren’t perfect solutions but that’s what you get for losing the card or not having one yet.  

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1. Send money to your friend’s account

Hopefully, if you don’t have your Netspend card with you, you probably have a friend or someone you know who also has a Netspend account, or alternatively, a Venmo, Chime, Cash App, Zelle, or anything else with instant transfers. 

If it’s urgent, why not ask them to borrow you the money and you pay them back once you get the card.

There are no fees for transferring money between Netspend accounts and it can be done inside the app or online. 

2. Transfer funds to another bank account

You could also send the money to yourself if you have an alternative bank account or financial app. Simply connect your Netspend account or card to it and make a transfer. 

Most of the apps have instant transfers available. Some of them charge a 1.5% fee while others like Zelle, do it for free.

READ ALSO: Can You Transfer Money From Gift Card to Cash App? (Solution)

3. See the card details in the Netspend app

You don’t need to have a physical card to pay bills or buy stuff online, for instance. You can at all times find your Netspend card details in the app. You can find information such as card number, expiration date, CVV, routing number, and account number. 

You can easily use those details, to pay for things online or even in person at restaurants, cafes, or shops, for example (see step 4). To see your card details, open your Netspend app and select ‘Prepaid Account.’ You’ll see all the card details needed. 

If you need to pay a bill urgently, you can do it over the phone using the card details that you just obtained.

4. Generate a temporary Virtual Account number

Most debit cards and digital banks let you generate virtual cards for online and phone transactions. With Netspend, you can generate up to 6 temporary virtual account numbers. 

There are many good use cases for this feature. For example, when you want to buy from a new or unfamiliar website, you give them your virtual card number and after you complete the purchase, you cancel the virtual number. That way, the merchant won’t have any of your card details as they expired.

You can also use this technique for subscription trials. Give your virtual card number to the merchant and even if you forget to cancel the membership before the trial is over, they won’t be able to charge you for the full service. 

To get a Virtual Account number:

  1. Open Netspend app or website and log in
  2. Go to Netspend Account Center
  3. Generate a temporary Virtual Account number 
  4. Use the new Virtual Account number

READ NEXT: 6 Possible Reasons Why Cash App Transfer Failed (How to Fix)

5. Use the Netspend card through a Wallet App

You can connect your Netspend card to a wallet like Apple Pay or any other popular digital wallet such as Google Pay and Samsung Pay. You can do this even without the card in your hand if you used the above-mentioned technique to get your card details. 

To add a card to Apple Wallet manually:

  1. Go to the Wallet app on your iPhone 
  2. Tap the ‘add button’ (+)
  3. Tap ‘Continue’ 
  4. Tap ‘Enter Card Details Manually’
  5. Enter your card information 
  6. Tap ‘Next’
  7. Enter the asked information

Although it’s easier to add your card to a wallet if you have the physical card with you because you just take a picture of it, it’s not the end of the world even if you have to type in the numbers yourself.

A side note. If you don’t see the + button when you open the Apple Wallet app, your phone or device might be set to the wrong region. You’ll first have to switch it to the current one.

The bottom line

We just laid out all the useful options for withdrawing money from your Netspend account if you don’t have your Netspend card.

It’s invariably best to connect your Netspend card to an Apple Wallet, Google Pay, PayPal, or Cash App as soon as you open a Netspend account so that you can at least pay for things when you don’t have your physical card present.

Frequently Asked Questions

How do I get a Netspend card?

It’s easy to get a Netspend card. Simply go to the online order form and fill out all the details. Netspend is special as they don’t do credit checks. But to activate the card, you’ll have to give your personal information such as name, street address, date of birth, and any other details that will allow them to identify you

How much does it cost to order a Netspend card?

You’ll be happy to know that getting and activating the Netspend card is free of charge. However, that doesn’t mean that the account doesn’t have any fees. It sure does. And some people find them to be excessive.

What do I do if my card is lost or stolen?

If you can’t locate your Netspend card, get hold of their customer service immediately by calling the toll-free number, 1-866-387-7363. 
Or login to their online account center to report it lost or stolen. To do this, go to the main menu and select ‘My Account’ > ‘My Prepaid Cards’ > ‘Report Card Lost/Stolen’. There, you can also order a new card.

Recommended Digital Banking Apps
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Banking Built For You
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As a mobile banking app affiliate, I earn from qualifying purchases.

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As a Current mobile banking app affiliate, I earn from qualifying purchases.

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As a Current mobile banking app affiliate, I earn from qualifying purchases.