Choose the plan
that’s right for you.

Pay-As-You-GoSM Plan

  • No monthly fee
  • Flexibility to pay fees for only the services you use
  • Ideal for occasional card users

Monthly Plan

  • Monthly fee of $7.98
  • Unlimited Signature and PIN purchases
  • Ideal for card users who make more than 8 purchases a month

Annual Plan

  • Annual fee of $59.98
  • Unlimited Signature and PIN purchases
  • Ideal for frequent card users

To change your plan, please login to your account or call Customer Service at 1-866-226-1551.

Choose your plan
Three Purchase Fee Plan Options: Pay-As-You-GoSM Plan* Monthly Plan Annual Plan**
Plan Fee None. $7.98 per month, to be billed to the Card Account on the same day each calendar month. $59.98 per year, to be billed to the Card Account on the same day each calendar year.
Signature Purchase Transaction Fee*** $1.00 each. Included in Plan. Included in Plan.
PIN Purchase Transaction Fee*** $2.00 each. Included in Plan. Included in Plan.
Foreign Transaction Fee 3.5% of the U.S. Dollar amount of the purchase transaction. 3.5% of the U.S. Dollar amount of the purchase transaction. 3.5% of the U.S. Dollar amount of the purchase transaction.
Withdraw Cash (See our tip on how to avoid ATM fees below)
Domestic ATM Cash Withdrawal Fee $2.50 per withdrawal, plus ATM owner fees, if any.
International ATM Cash Withdrawal Fee $4.95 per withdrawal, plus the Foreign Transaction Fee, and ATM owner fees, if any.
Over the Counter Cash Withdrawal Fee at a financial institution (also referred to as the “OTC Fee”) A fee may be assessed by the financial institution and may vary from location to location. A Foreign Transaction Fee may apply.
Over the Counter Cash Withdrawal Fee at a NetSpend Reload Network location (also referred to as the “OTC Fee”) Fee may be assessed by reload location and may vary from location to location. Service not available in all reload locations.
Foreign Transaction Fee 3.5% of the U.S. Dollar amount of the cash withdrawal.
ATM Transaction Decline Fee $1.00 each.
Tip to avoid ATM fees: Select “DEBIT” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
Add Money To Your Account:
Direct Deposit Fee None.
Fee to add cash or check proceeds at a NetSpend Reload Network location Fee may be assessed by reload location and may vary from location to location.
Bank Transfer Fee Visit your online Account Center to learn how to transfer funds to your Card from another bank account using a bank debit card or account number. Fees are determined and may be charged to the transferor’s bank account by the service provider or origination bank.
Account-to-Account Transfer Fee via website or text message None; standard text message rates may apply.
Account-to-Account Transfer Fee via Customer Service agent $4.95 each.
Manage Your Account:
Balance Inquiry Fee None when using online Account Center.
None when using Anytime Alerts text or email message; standard text message rates may apply.
None when using telephone automated service.
$0.50 each when speaking with a Customer Service agent.
$0.50 each via ATM, plus ATM owner fees, if any.
Check Request Fee $5.95 each.
Additional Statement Mailing Fee $5.95 each.
Additional Card Fee $4.98 each.
Lost, Stolen or Damaged Card Replacement Fee $4.95 each.
Account Maintenance Fee
(also referred to as the “Account Inactivity Fee”)
$5.95 per month (Fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no Balance Inquiry Fee for 90 days.) If enrolled in a Plan and your Card Account has had no activity as described above, this fee applies (a) instead of the Monthly Plan Fee, or (b) if the Annual Plan Fee was paid.
Make Payments:
Bill Payment Fee In addition to the one or more no-cost bill payment methods made available through third-party service providers, you can see a full range of options, including ACH Debit/Preauthorized Payment Transactions, and the applicable fees in your online Account Center. Fees are determined and assessed by third-party service providers.
ACH Debit/Preauthorized Payment Transaction Decline Fee $1.00 for each such declined transaction.
Stop Payment Fee for ACH Debit/Preauthorized Payment Transactions $10.00 each.
Optional Features:
Custom Card Fee $4.95 per custom card.
Overdraft Protection Service Fee
(This optional service has Cardholder activation and eligibility requirements.)
$15.00 per Overdraft occurrence (maximum of 3 fees per calendar month).