Have you ever heard about Netspend in the recent past? To start with, Netspend was founded in 1999. It is an Austin-based financial institution that offers prepaid Visa and MasterCard debit cards to different customers out there in order to enable them to make purchases, payments, or even withdraw cash at their nearest ATM outlets. Once you open an account with Netspend, you can then order your Netspend card so that you can perform any of the transactions mentioned above. Unlike other cards, there is no minimum balance that is required for you to get this card. Also, your credit score will not be checked for you to be eligible to get this card. Finally, there are no annual fees needed for you to continue using this card.
This has made this card a preferred choice for people who want to save more and enjoy more convenience. However, one question that lingers in the minds of many is, whether they can get off money from their Netspend account without the Netspend prepaid debit card? The reality of issues is that this is practically possible. In this article, we shall take a closer look at how you can withdraw money from your Netspend account without necessarily having to use your card.
Can I Get Money Off From My Netspend Account Without My Card?
Netspend has not invented ways of withdrawing money from their account without a card yet. This is because it does not support cardless ATM withdrawal services. However, if you have lost, misplaced your card, or waiting for your card to be delivered, don’t despair. This is because, although there is no direct way of withdrawing money from NetSpend without a card, there are a number of reliable third-party methods to rely on. Therefore, like we previously mentioned, it is possible to withdraw money from your Netspend account without having to use your card.
From using PayPal and Western Union, there are a plethora of methods that can help you withdraw cash from your Netspend account without a card. You just need to choose the method that works well for you, and you will be good to go.
How To Get Money Off From Netspend Without A Card?
There are many ways one can withdraw money from Netspend without a card. Some of these ways include:
Send Money to Bank Account and Withdraw money
There are instances when you need to have money in your bank account for either savings or repaying a loan. For you to transfer money from your Netspend card account to your bank account, there is a need for you to use indirect means as Netspend does not allow the transfer of funds from the card to a bank account directly. However, it is possible for you to transfer money from your bank account to Netspend seamlessly.
Since Netspend does not allow direct transfer of money, there is a need for you to link your bank account for top-ups. To get started, you should first log into your card account online and then get the routing number. If you have not yet created an online account yet, you should first create it, and you will be able to manage your money more effectively.
In fact, you will not require to leave your home as most of the transactions can still be done online, and you will be good to go. By getting a routing number, you will be able to identify the receiving bank. You will realize that the routing number normally has 9 digits. It usually tells where you opened your bank account.
Once you are done, log into your bank account online and then add Netspend as one of the cards you can fund using your bank account balance. It is imperative to note that you need to have the account number and routing number of your Netspend account. Once you are done with linking, you can now transfer money from your Netspend account to the bank account and vice-versa.
Send money to Friends Netspend account and Withdraw money
Besides the idea mentioned above, you can also send money to your friend’s Netspend account and let them withdraw money for you. For you to transfer money using this process, you should first log into your Netspend card account online. After that, ensure that you have the details of the recipient. Some of the details you need include their name and their Flash Pay ID.
Once you log into your account, enter the name of the recipient and his or her Flash Pay ID. After that, enter the amount you want to transfer and then click ‘send.’ Once the recipient receives the money, be sure that he or she will be able to withdraw it for you or better still, allow you to withdraw it from the nearest ATM if at all you know his card’s pin.
Alternative Ways To Get Money Off Netspend Account Without Card
Besides the ideas mentioned above, you can also transfer money from Netspend to a bank account using the following methods.
1. Using PayPal
If you have a prepaid Netspend account, you can now transfer money to your bank account using PayPal. This is because PayPal and Netspend are integrated for the benefit of all their customers. All you need to have is a PayPal account that is linked to your bank account. To start with, you should first login to your PayPal account and then enter your login details correctly. By doing so, you will be able to access your account.
Once you log in, you will see a number of options on the dashboard, including the ‘Wallet’ button in the toolbar. You will also see the ‘Link a Bank Account’ option. Click it. Here, you need to enter the account number and the routing number of your Netspend account. Once you have entered these details, click ‘Continue.’
Ensure that you review all the information you have given to ensure that it is right. Remember that it will not be possible to link your PayPal to Netspend account if you enter the wring details. If everything is okay, click ‘Add Bank Account’, and you will have successfully linked your PayPal to Netspend.
Since you have managed to link both accounts, you can now go ahead and transfer money from Netspend to PayPal comfortably. Here are the steps that you should follow:
- Log in to your PayPal account
- Click on the ‘Wallet’ option. You will see this option on top of the page toolbar.
- Once you click the ‘Wallet’ option, you will see a number of options on your screen. Click the ‘Transfer Money’ option.
- After that, click on the ‘Add Money Online’ option.
- Choose the linked card, which is essentially, your Netspend account. Here, funds will be transferred from the Netspend account to your PayPal account. Enter the amount you want to transfer and then complete the entire transfer process.
- It is important to note that money will appear in your PayPal account after 1 to 3 business days.
- After that, you can now withdraw the money to your bank of choice seamlessly. You can expect to have the money in your bank account after 3 business days. However, there are instances it might take 5 business days.
2. Using Western Union
Western Union tops the list of money transfer platforms that have been in operation for many years. The good news is that this platform can help you transfer money from your Netspend account to your bank account seamlessly. Since Western Union normally has a Western Union Netspend Prepaid MasterCard, be sure that you will have an easy time making these transfers. Here are the steps that you should follow:
- If you do not have a Western Union account, you should sign up first. Here, you will need to use original documents for verification purposes. Some of the documents you might require include your driver’s license, government ID, or any other identification document that is legal in your state.
- Choose the amount you want to transfer as well as the bank account
- After that, enter the details of the bank account that will receive the money
- Choose the payment method. In this case, you can opt to pay with your Netspend card.
- After that, confirm that everything is okay and then send. Using the tracking number (MTCN), you will be able to track the progress of the whole transaction.
FAQs – Frequently Ask Questions
Can I get money off my Netspend card at Walmart?
Yes. As we speak, one can withdraw money from any Walmart outlet countrywide using his or her Netspend card. If you withdraw money at any of these outlets, be ready to be charged $4 or 2.75% of the amount you have transacted. However, you will only be able to withdraw up to $4999.99 at any of these outlets. Despite this, you will be able to get cashback at the registered ATMs, and self-checkouts in Walmart.
Can I link Netspend to Cash App?
No. Instead, you can only link a bank account or an accepted card to Cash App. It is important to note that you cannot add Netspend Card on Cash App so as to add funds to your account. However, if you normally use PayPal to perform your transactions, you can now use Netspend to transfer money from your PayPal accounts.
Does Netspend have a daily limit?
It is imperative to note that Netspend allows its customers to have up to $15000 in their accounts at any given moment. Remember that you cannot deposit more than $15000 within a period of 30 days. If you are using your card to make transactions, be sure that you will only be allowed to spend up to $4999 per day. The daily ATM withdrawal limit is ONLY $940, $325.00 per withdrawal. And you can load $7,500 in cash in a day.
Netspend charges you $2.50 for domestic ATM cash withdrawals, plus the additional ATM transaction fee. But if you’re headed overseas, Netspend will only charge you $4.95 for your withdrawal PLUS any ATM transaction fees.
What do if my card is lost or stolen?
In case your card has been stolen, you should contact Netspend and let them know that your card is missing or has been stolen. To put it into perspective, you should contact your Netspend customer care team on 1-866-387-7363 immediately and address your issue.
If you find out that the above-mentioned method is not convenient, you can log in to your online account so that you can report the lost card. Once you log in to your account online, click ‘My Account’ option and then choose ‘My Prepaid Cards’ option. Thereafter, click ‘Report card stolen/lost’ option. By doing so, you will be able to inform the issuer that your card has been stolen and you need another one. Thereafter, you can order a new one and wait for it to be delivered to you.
Final Thoughts
It is true to say that you cannot transfer money from Netspend to a bank account directly. However, there are other ways that can help you get started, as illustrated above. From linking your Netspend account to your bank account to using Western Union, there are many options you can consider. As long as you have the details about your card, you do not need to have a card to perform these transactions. Consider these ideas today, and you will enjoy more convenience.
