Easily Dispute Unfair Netspend Fees In 3 Steps

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Easily Dispute Unfair Netspend Fees In 3 Steps

Prepaid credit cards, or pay-as-you-go cards, are often thought of as predatory financial schemes, much like payday loans. This is primarily because of the fees. are frequent, and they add up quickly. This prepaid card is considered a necessity by many, and getting rid of some of the fees can make the financial experience much more pleasant.

Many people with prepaid credit cards already have financial difficulty, which is why they aren't able to get other types of bank accounts. Although companies like Netspend provide solutions, they can charge seemingly unfair amounts for those solutions. That is why DoNotPay provides a way to get rid of Netspend fees successfully.

If you are being charged unfair fees by companies such as those listed above, sign up for DoNotPay and have them eliminated.

How Much Does Netspend Charge Per Transaction?

Netspend charges unless you have opted for a monthly fee. The fees are as follows:

Pay-as-you-go$1.50 per transaction
Monthly$9.95 per month
Reduced Monthly$5.00 per month

The reduced monthly fee is allowed for persons who have direct deposits of $500 in one month. That direct deposit can be from an employer or government agency. It is only required for one month, and the account holder is not required to continue monthly deposits in that amount or from that source.

Netspend Fees Explained

The fee schedule for Netspend can be found here. Some noteworthy fees include:

  • ATM balance inquiry fee: $0.50
  • ATM withdrawal fee: $2.50
  • Cash reload fee: up to $3.50
  • Outbound bank transfer: $3.00
  • Replacement card fee: $9.95
  • Custom card fee: $4.95
  • 3 Business day delivery fee: $20.00
  • 1-2 Business day delivery fee: $25.00
  • Inactivity fee $5.95

As you can see, Netspend fees occur regardless of whether you use your prepaid card. They charge you no matter what happens. This is why many people consider the company to be predatory.

How to Avoid Netspend Fees

The best way to avoid Netspend fees is to avoid getting a card. There are other prepaid card options available, but to be honest, they also have unreasonable fees attached to them. They are able to do this because there are not very many limitations to getting the card, so people use Netspend as a last resort. They may also use them out of dislike of banking institutions.

Other ways to reduce Netspend fees are to completely understand the fee schedule, so you can optimize your card use. For example, it benefits some account holders to go on a monthly or reduced transaction fee schedule.

Does Netspend Have Hidden Fees?

Netspend fees are not necessarily hidden, but there are so many, they may feel unexpected or unwelcome. Most people using Netspend are not in the best financial position, so these fees can add up to a significant amount. What is significant depends on the cardholder.

The company has also been accused of misrepresenting their product. They make it very easy to obtain a card, even sending cards in the mail that require little more than activation. During tax season, Netspend advertises their cards as a way to receive tax returns.

It is very easy to be persuaded to get or use a card because the company focuses on ease of use rather than explanation of the fees. This makes sense from a marketing standpoint.

Many people cannot escape the need for a card such as those Netspend offers. That is why DoNotPay has included a way to waive these fees using their services.

How to Eliminate Netspend Fees on Your Own

Netspend claims to offer the opportunity to dispute fees on your own by contacting customer service. You can do this by:

  1. Calling customer service (866)387-7363
  2. Writing Netspend P.O. Box 2136 Austin, TX 78768-2136
  3. Emailing customer service

Although Netspend claims to listen to disputes and correct errors, there are many ways for it to charge fees legitimately. This makes it difficult to get some fees waived.

Next Step for Netspend Fees if You Can't Do It Yourself

If you cannot get Netspend fees waived by yourself, DoNotPay can help.

Here's how you can use DoNotPay to appeal fees:

  1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.

  2. Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.

  3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.

Why Use DoNotPay to Solve Netspend Fees

DoNotPay makes it easy to fill out a complaint and get your Netspend fees reduced or eliminated. It does it quickly, and it is more successful than going it alone. If you are struggling financially because of Netspend fees, or if you simply think they are wrong or unfair, DoNotPay can offer solutions.

DoNotPay has helped people eliminate extraneous fees charged by many companies, including:

eBayEtsyHOASpirit AirlinesCoinbase
ShopifyPaypalAmerican AirlinesChase checkingRobinhood

What Else Can DoNotPay Do?

Offering solutions to prepaid credit card fees is not the only thing that DoNotPay can do. It can help with hundreds of other common problems, including:

Sign up for today, and live your life without the regret of harmful online banking fees by prepaid credit card companies.

Want your issue solved now?