How to Load Money on a NetSpend Prepaid Card

If you need to add money to your NetSpend prepaid card, you can do so in several different ways, including online, at a store and via direct deposit. Depending on the method you choose, your funds may be available immediately or in a few days.

Direct Deposit

You can choose to have your paycheck, tax refund, government benefits or all three directly deposited onto your NetSpend prepaid card each pay period.

Log into your NetSpend online account and download and print the direct deposit form. The form will have your NetSpend account number and routing number filled in for you. Fill in the rest of the information, including your employer's contact info, and give the form to your employer to set up direct deposit to your NetSpend card.

When filling out your income tax return, look under the section where you indicate where to send your refund. In this space, include your NetSpend routing and account numbers and check the box for checking account. To get your routing and account numbers, go to your NetSpend online account.

You can also have other regular payments added to your card, including:

  • Supplemental Security Income

  • Pensions

  • Unemployment, veteran's and disability benefits

Visit the benefit provider's website, log into your account with that provider and add your NetSpend routing and account numbers in the direct deposit section.

Reload Locations

NetSpend has over 100,000 reload locations throughout the United States, including grocery stores, gas stations, check-cashing stores and MoneyGram and Western Union agents. To find the one nearest you, use the locator tool on the NetSpend website. The exact method depends on the location, but for most you present your card to the cashier, give him your cash or checks to load, and pay the fee.

At a Western Union location, for example, you fill out the gray Prepaid Services form with your name, card number and amount you want to load and give the form and your payment to the clerk. At Western Union, you do not need to present identification, but you do need to have the NetSpend card on hand and you must pay cash.

Other Options

You can also load your NetSpend prepaid card by linking a bank account or Visa or MasterCard debit card to the card via your online account. Another option is to add other NetSpend cards to your account and transfer money between cards you own or other people's cards. You can also call 1-866-387-7363 to move money over the phone.