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Western Union® Netspend® Prepaid Mastercard® Card review

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Card Price
Card Maintenance Fee
Signup Bonus

Informr score
The Western Union® Netspend® Prepaid Mastercard® Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

What the Critics Are Saying...


If you can’t get a checking account or don’t want one, the Western Union Netspend Prepaid Mastercard is a good alternative. It has most of the features normal bank accounts have such as a mobile app, online bill pay and free direct deposits. It also allows you to earn rewards on some of your purchas...

- Bankrate

If you receive Western Union money transfers and use a debit card, the Western Union® Netspend® may be the perfect combination of what you need. The Western Union® Netspend® Prepaid Mastercard combines a prepaid debit card and Western Union money transfers. In short, you get the best of both worlds...

- Kim Pinnelli, SimpleMoneyLyfe

The Western Union® Netspend® Mastercard® Prepaid Card is a low cost reloadable prepaid card ideal for those who send or receive money via Western Union. It comes with a long list of features that make it ideal as an alternative to a traditional bank account.

- Rob Berger,

For prepaid card users that regularly send or accept Western Union transfers and want to make use of the interest-bearing savings account, the Western Union Netspend Prepaid Mastercard is a good choice. Otherwise, you may be stuck carrying large amounts of cash in and out of Western Union locations,...

- PrepaidCards123


Card Price $0.00
Activation Fee $0.00
Card Maintenance Fee $0.00
  • $9.95/month if you're on Monthly plan
  • $5.95/month if you're on Reduced Monthly plan
Minimum Load Amount $10.00

May depend on the individual reload location

Maximum Load Amount $7,500.00
Max Balance $15,000.00
Transaction Fees
Add Money
Direct Deposit
Cash Loads


Card to card transfer
Spend Money
Purchase Fee
  • For Signature Purchase Transaction
  • $2 PIN Purchase Transaction
  • $0 if you're on Monthly or Reduced Monthly plan
Bill Payment

For Automated Clearing House (ACH) Payments Fee Varies for MoneyGram® Bill Payment Service

Foreign Transaction Fee
Get Cash
ATM withdrawal fee (Domestic) - In Network
ATM withdrawal fee (Domestic) - Out of Network

Per withdrawal. You may also be charged a fee by the ATM operator.

ATM withdrawal fee (International)

Foreign Transaction Fee applies

Over-the-counter cash withdrawal (Domestic)
  • Fee at a financial institution
  • 2.75%, minimum of $4 at a Netspend reload network location
Over-the-counter cash withdrawal (International)
Balance Inquiry (at ATM)

Per month fee effective after 90 days of no transaction if there are funds in the card account

Card replacement
Card Replacement and Express Delivery Fee
  • Delivery in 3 business days
  • $25 for delivery in 1-2 business days
Monthly Paper Statements
Custom Card Fee OR Customization
Sign up bonus -
Rewards -
Features & Benefits
Additional Card Holders Yes
Funds Don't Expire Yes
Supported Currencies USD
Zero Liability No
Fraud Protection Yes
Custom Design Yes
Wireless Payments Apple Pay, Google Pay
Virtual Cards No
Minimum Age 18
Temporary Residents Yes
Additional comments -
Terms & Conditions Official Terms & Conditions
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