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

Written By Branson Knowles

Most of us will get a Netspend card sometime in our financial lives. We may get it for a tax refund, as a method of payment from an employer, or because we can’t quite qualify for a traditional bank.

Whatever the reason you have the Netspend card, you probably want to get cash off of it for free too. So how can you withdraw money for free from your Netspend card?

Netspend has a lot of fees, so it’s important to pay attention before making a withdrawal, as you’re likely to pay for it. To get withdrawals for free from your Netspend card, get cash back from retail purchases, or use MetBank or MoneyPass ATM network.

ATMs have networks just like hospitals and insurance plans. While you can use a wide variety of ATMs, only some offer free withdrawals to their customers. Specifically, ATMs in the MoneyPass and MetaBank networks offer free withdrawals to Netspend customers.

MetaBank is Netspend’s parent bank, so it makes sense that they would offer free ATM usage to Netspend customers. There are over 61,000 ATMs scattered across the country for Netspend customers to use for free.

netspend use

If you’re at a store making a purchase, you could complete two tasks at once and get cash back from the cashier.

Let them know you’re looking for cash back, they’ll ring your card up as a debit transaction, enter your Netspend PIN, and get your cash back.

Stores usually limit the amount you can get in cash back, and usually only give out amounts of $20.

Keep this in mind before you try getting cash back at your local grocery store. 

How to Get Cash From the Netspend Card at a Store

It’s not as common as it once was, but getting cash back from a retail store is still a reliable way of getting paper money from your Netspend card while avoiding any ATM fees. 

You can’t always get cash back from every retail location you go to, but you can rely on the big brands to be able to help.

When you go to the store, during your purchase, let the cashier know that you’d like to get cash back from your Netspend account.

The cashier will then tell you what limits the store has, and any rules about the denominations they can give out.

Let them know how much you want and insert your debit card into the card reader. 

The machine will connect with your Netspend account and will ask you to enter your PIN so that they can verify it’s you using your card.

With your PIN entered, the cashier can get your cash back from your account.

In your Netspend transaction history, you should see the cash withdrawal as a continuation of your purchase.

In short, if you bought $120 worth of groceries and got $60 back in cash, you’ll see a charge from your grocery store for $180, without any ATM fees as well.

If you’re not sure if the retail location you’re going to will give you cash back, it never hurts to call ahead and ask. Mention you have a Netspend card too, just in case. 

How to Withdraw Money from Netspend Card for Free at ATMs

ATM fees can stack up quickly.

If you’re using an out of network ATM, an ATM your bank or fintech company doesn’t have an agreement with, you could be stuck paying the ATM and your financial institution a fee.

Luckily, Netspend has partnered with the extensive MoneyPass ATM network to give their customers access to over 61,000 ATMs across America. 

MoneyPass ATMs can almost always be found in your local 7-Eleven.

A lot of credit unions have them as well, partnering with them for their customers too. Some U.S. Banks have MoneyPass ATMs in their branches as well.

finding moneypass atm for netspend free cash withdrawal

If you’re wondering where you can find an ATM to withdraw from, you can look for them through MoneyPass’ website where they have a handy map that will show you every machine nearby.

They will also detail whether or not the machine will charge you, and if so, how much.

How Do I Withdraw All the Money from My Netspend Card for Free?

Sometimes you get a Netspend card without ever intending to.

I have gotten a couple of expensive refunds and gig-like jobs I’ve done in the past. I’ve never wanted to keep or use the Netspend cards, as I have my own credit cards I like using.

There are fees for everything when you have a Netspend card.

If you’re looking to get all of your money off of a Netspend card without paying a fee, you have a couple of options. 

First, you can always use Netspend’s network of ATMs.

There are over 61,000 in America, so you’re never too far away. They can usually be found in 7-Eleven, Costco, and CVS locations.

If you’re looking for one, head to MoneyPass’ website where they have a handy map.

netspend map looking for free cash withdrawal

You can get free cash back when you’re making a purchase at a store.

Ask the cashier for cash back, enter your debit card in as a debit, enter your PIN, and they should be able to get you cash straight from your account without a charge.

There may be a charge for the purchase though. 

What Is Netspend’s ATM Withdrawal Limit?

Netspend has a lot of fees, limits, and very specific rules.

Before you use your Netspend card, you should read about their numerous fees just so you know what could end up costing you money.

netspend atm withdrawal limit

If you’re looking to get cash out of your Netspend card through one of their ATMs, you can get up to $325 per withdrawal, with a 24 hour limit of $940.

You’re allowed to make up to six withdrawals in a 24 hour period.

You can get more money through an over-the-counter withdrawal.

If you’re making a withdrawal with a cashier, they can give you up to $4,999.99 every 24 hours. That’s the exact same limit Netspend has for purchases as well. 

How to Transfer Money from Netspend to Bank Account

While Netspend operates like a traditional fintech company in a lot of ways, they aren’t the same.

Netspend can’t actually send money to other users through their platform, let alone an external bank account.

You can’t transfer money directly from your Netspend account to your bank account.

You can, however, sign up for the FlashPay system and send your Netspend balance that way. You can only send it to other FlashPay users though.

account to account transfer

If you have a Netspend balance and are looking for ways to get it into your account, you have a few options.

First, you can head to a retail store, make a purchase with your Netspend card, and get cash back.

Make sure the store you’re headed to gives cash back before you go. 

You can also use any of the MoneyPass ATMs across America as well as any MetaBank ATMs to withdraw your balance in cash without a fee.

With your cash, head to your bank’s ATM and make your deposit.

While there isn’t a way to directly send money from your Netspend card to your bank account, that was never Netspend’s intention.

They want their users to stay on their platform, using their balance through their customizable Netspend card. 

netspend choose your card

Why Did I Get a Netspend Card?

Some people get Netspend cards on purpose, others do not.

If you got a Netspend card in the mail and didn’t request it, you probably have some questions. 

The IRS has been known to send people Netspend cards if they don’t have their direct deposit information on file.

If you’re getting a refund from ol’ Uncle Sam, the IRS will most likely look to deposit your refund electronically.

If that isn’t an option, they can’t just send you cash.

They can’t send you a check either, as if you don’t have an account to receive a direct deposit, you probably don’t have an account to deposit a check into either. What they do instead is send you a Netspend card.

Netspend cards are secure because they are linked to one person.

Cash can be stolen easily, Netspend cards, not so much. Netspend cards are backed by Visa, meaning you can use it anywhere they are accepted. 

Check out more articles about using Netspend card:

About the Author

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

Branson Knowles is a former banker and current writer at

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, breaking down banking like only an ex-banker could.

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