Can Someone Send Me Money to My Netspend Card?

a hand with a credit card above a hand with cash below

Have you ever been in a pinch for money and needed help from friends and family? Netspend offers several ways to send and receive money to your Netspend account. From direct deposit to bank transfers, Netspend allows friends and family to send you money to your Netspend Card safely while making the process fast, easy, and hassle-free.

Valued at $1.73 trillion in 2019, the prepaid card industry is a safe and reliable alternative to cash and other cards. With a prepaid card, you not only can set spending limits to reflect your budget, but you can send and receive money from others when funds are tight.

The most popular type of prepaid debit card is a general-purpose card with gift cards following close behind. They are easy to use, safer than cash, and offer less risk for overspending. After loading funds onto the card, consumers can use the card like any other credit or debit card without being dependent on a financial institution.

Let’s take a closer look at the benefits of using a Netspend account and how to send and receive money to your account.

What is a Netspend Card?

Netspend is one of the leading providers of reloadable prepaid debit cards. Founded in 1999 and based in Austin, Texas, Netspend serves over ten million customers worldwide and offers both a Mastercard and Visa prepaid card option. 

Netspend provides a cost-saving alternative to checking accounts, debit and credit cards, and cash. The cards are insured by the FDIC, have over 130,000 reload locations, and can be used for shopping, paying bills, and more.

Netspend offers two service plans, a pay-as-you-go plan with no monthly fees and a monthly plan for a small fee of $9.95 per month. Both plans offer several benefits to help consumers add, spend, or withdraw funds whenever needed:

  • Direct deposit
  • Rewards program
  • Budgeting tools
  • Savings account option
  • Person-to-person bank transfers

The cards have no minimum balance required, but when funds are tight Netspend makes the process of transferring funds safe, secure, and very easy.

A drawn image showing two debit cards, a red and blue, standing nesxt to each other. There is a cog wheel mounted to the red card

How to Send and Receive Money on Netspend

One of the best features of a Netspend prepaid debit card is its functionality. Consumers can easily reload funds to their cards through direct deposit, in person at reloading locations like CVS, Walmart, and Rite Aid, or through bank transfers and PayPal. 

In most cases, funds are available after 1-3 days. Additional fees are required to receive funds immediately.

Cardholders can also send and receive money from family and friends through Flashpay. Flashpay is a Netspend service used to transfer funds to and from a prepaid debit card. When sending money to a Netspend account, the recipient’s name and Flashpay ID are required.

Netspend Account to Netspend Account 

The easiest and quickest way to send money to family or friends using Netspend is to transfer funds between accounts. Log on to your online account center, enter the recipient’s name, Flashpay ID, the amount to send, and click send. It’s that easy!

Cash Reloads at Participating Locations 

There are several locations where you can reload funds to your Netspend card. Some locations do charge fees for reloading funds to the card; however, the fees are minimal, ranging from $2.00 to $3.95.

Direct Deposit 

If you don’t want the hassle of reloading funds in person at a reloading location or waiting in at the bank, people can direct deposit funds to your Netspend account. It is the fastest way to receive the funds and offers several unique features.

Bank Transfers 

To transfer funds from your checking or savings account, go to your online banking website. Enter the Netspend card details and the Flashpay ID for the person you wish to send money to. Next, select the amount to send and follow the instructions to initiate the transfer.


A man in a brown suit is placing a blue-green debit card in the front pocket of his suit jacket.

Paypal can be used to transfer money to your friends and family Netspend account. You will need to log in to your online PayPal account, and link their Netspend account to your PayPal account. Funds can not be made available immediately if using PayPal.


The bottom line is that someone can indeed send you money to your Netspend card. When you’re in a pinch for money and need help from family and friends, Netspend offers several options when sending and receiving the money to your Netspend Card. Not only is the process easy, but it is also safe, secure, and consumer-friendly.

You can receive money to your Netspend account through direct deposit, other Netspend accounts, in-person reloading locations, or bank transfers. Someone can send money to your Netspend account by linking their PayPal account as well.

Funds are usually made available after 1-3 business days, and certain fees may apply. So, when you’re strapped for cash, Netspend may be the option you need for a cost-saving alternative to debit cards, credit cards, and cash.


Related: How to Transfer Money from Netspend to Cash App