4.59·170,306 reviews·10,000,000+ downloads·#95 in Finance
Netspend stands out in US finance with direct deposits, overdraft protection, and a savings option, backed by a broad reload network. It holds a solid 4.59 rating from 164,933 reviews and reaches a wide audience with 10,000,000+ total installs, plus 56K new downloads in the last 30 days.
Pros & Cons
High user satisfaction evidenced by a 4.59 rating from 164,933 reviews.
Direct Deposit lets users get paid up to 5 days early.
Optional overdraft protection up to $300 with a 24-hour grace period.
Savings account offers up to 6.00% APY for eligible users.
Limited visibility in the description of traditional banking terms; the app emphasizes modern banking features rather than classic 'banking' terminology.
No explicit mention of budgeting tools or investment options beyond savings; features appear focused on deposits, overdraft, and reloads.
Details on fees or terms are not deeply disclosed in the provided data, which could vary by user scenario.
About Netspend
Netspend is a finance app developed by NetSpend.
Download Statistics
Netspend has been downloaded 10 million times. In the last 30 days, the app was downloaded 56 thousand times. It is ranked in the top 100 finance apps.
User Ratings
Netspend is rated 4.59 out of 5 stars. The rating is based on 170 thousand ratings.
App Information
Netspend is FREE to download. The APK download size is 44.00 MB. The latest version available is 7.0.10. The last update was on July 23, 2026.
Technical Requirements
Netspend requires Android 9.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play May 2011.
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UPDATE: I previously Gave 1 star; "Can't get in to it! A code is sent to the email, but it never comes. And there is no option for a code sent to phone. So I can't even use it!" BUT WOW! Net spend reps, James & Don, followed up with this complaint on here. They actually got the app fixed for the issue! The code now goes to the email, so I can get into the app. (I still wish you'd get the app to send a code in a text form though...easier) But very grateful and impressed.
★★★★★Ella Mitchell· Jul 23, 2026
I love my Net Spend card if you like my personal bank it always there to help me in time of need even if I have to overdraft I'm always giving enough time to make my payment right I have had my card now for 8 years
★★★★★Shannon Schillaci· Jul 13, 2026
I have been with Net spend for over 10 years, and they have always been there for any of my banking needs. Great Customer support and answer questions quickly. Thank you again for all kinds of situations in the past.
★★☆☆☆Barbie Grant· Jul 29, 2026
It was SOOOO HARD to get the direct deposit started. After I gave them the form & they made me send my ID & proof of address AGAIN. I received a message saying it was approved, but they sent my check back to the bank, so I had to wait for them to send me a paper check! Their excuse was that my account wasn't verified, so I sent them screenshots of them saying it was I mean it was RIDICULOUS!!! They also charge like $2 ANYTIME MONEY IS USED, LOADED OR TRANSFERRED ON TOP OF THE MONTHLY FEES!
★☆☆☆☆Joseph Reid· Jul 2, 2026
I open two $5 per month Net spend prepaid account within June 2026 and each time I tried to use the prepaid debit card for purchases it keeps declining causing me embarrassment. I contacted several Net spend Customer Service Staff but no one fix the issue so am done with Net spend prepaid debit card account. Net spend is scamming my monthly fees and no service. SCAMMERS 😡
★☆☆☆☆Clarence Rakes· Jul 17, 2026
DO NOT GET OUTSPEND UNDER ANY CIRCUMSTANCES. LONG STORY SHORT, YOU ARE CHARGED A SEPARATE 2 DOLLAR FEE FOR EACH TRANSACTION. EXAMPLE IF YOU BUY SOMETHING WITH YOUR OUTSPEND CARD FOR 1 DOLLAR. YOU END UP PAYING 3 WITH THE 2 DOLLAR FEE ATTACHED. I HAVE HAD CARD ABOUT 3 MONTHS. I AVERAGE ABOUT 200 DOLLARS A MONTH IN OUTSPEND FEES ALONE. A BETTER OPTION IS CURRENT. I AM NOT AFFILIATED WITH CURRENT. UDATE TO DEVELOPER. I NEVER SAID FEES WERE NOT DISCLOSED. THEY ARE STILL EXCESSIVE.
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Trust & Safety: The app requests a broad set of permissions (location, camera, microphone, storage, network state, push notifications, etc.), which require user consent. Banking services are provided by FDIC-insured partners Pathward, National Association, and Republic Bank & Trust Company, adding a layer of regulatory backing. Regular updates and standard security practices are implied by the app’s ongoing improvements and banking integrations.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
