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Can You Withdraw Money from Netspend for Free?

Are you searching for an alternative to a traditional bank account?

These days, there are several ways to receive and spend money without having to open a bank account. One of these is using a prepaid card, which gives you extra freedom and the power to control your finances.

However, the last thing you want is to get stuck with high transaction fees. So, it’s important to read all of the terms and conditions carefully before signing up for a prepaid card. 

So, if you’re thinking about signing up for a Netpend card (or if you already have one), let’s find out, can you withdraw money from Netspend for free?

About Netspend 

Netspend was founded in 1999 and offers a range of alternative financial services; it is based in the city of Austin, Texas. The company offers prepaid MasterCard and Visa cards and a wide range of convenient banking services. Additionally, mobile check depositing, bill paying, and other services are provided through the official Netspend app.

About Netspend 

Although Netspend is not a traditional bank, it is insured by the Federal Deposit Insurance Corporation. This means that customers enjoy the same protection as they receive when using a traditional bank. Moreover, the card provides a convenient banking solution and can be used in a wide range of different ways. 

But there’s more…

The company provides a large number of financial tools that are intended to be almost effortless to use. And more than 68 million people in the United States have signed up for the company’s financial services to date. NetSpend has also partnered with several major retailers to offer customers a smooth and convenient service. 

Prominent partners include Walmart, 7-Eleven, PayPal, Ace Cash Express, and Western Union. So, these partnerships allow you to use your prepaid debit card in any of the stores of these retailers. Finally, you can also use your prepaid card online, and it works in the same way as a regular debit card. 

ATMs That Offer Free Cash Withdrawals

When you use your Netspend card to withdraw cash from an ATM, the standard fee is $2.95. However, some service providers charge up to $6 for each transaction.

Fortunately, it’s possible to skip this fee if you use certain ATMs. Here’s a list of ATMs where Netspend withdrawals are free:

ATMs That Offer Free Cash Withdrawals


Metabank is Netspend’s parent company, and cardholders are offered a range of privileges. You can use your prepaid card in any MetaBank ATM in the United States. ATMs are prominently situated at Speedway petrol stations, at CVS Pharmacy branches, and in a range of other convenient locations. 

MoneyPass Network 

There are more than 37,000 MoneyPass ATMs in the United States. And it’s possible to use any of these ATMs without paying withdrawal fees. This is because Netspend is a member of the MoneyPass network. 

You can use the ATM locator on the MoneyPass website to find your nearest ATM. This helps to ensure that you never have to pay withdrawal fees. Simply enter your location into the search bar, and the closest locations will be marked on the interactive map. 

Visa Plus Alliance

The Visa Plus Alliance network boasts more than two million ATMs around the world. So tracking down one of these ATMs is a good way to skip withdrawal fees when you travel. However, the ATM operator may impose fees in some locations.

Visa Plus Alliance ATMS can be found in supermarkets, banks, universities, credit unions, and numerous other locations. 

Visa Plus Alliance


There are more than 55,000 AllPoint ATMs scattered across the United States. Most ATMs tend to be located in downtown districts, malls, and major financial districts. And you can make a withdrawal from any of these ATMs without paying a fee

Retail chains that offer AllPoint ATMs include:

  • Target
  • Walgreens
  • CVS
  • Speedway

Free Withdrawals at Walmart 

There are three different ways to take advantage of free withdrawals at your local Walmart. And this is sure to be convenient if you have a branch close to home and need to do some shopping. So, let’s take a closer look at ways to get some cash without paying a withdrawal fee when you’re at Walmart

Walmart’s Money Management Center

These MoneyCenters typically operate from 08:00 to 20:00 from Monday to Saturday. And on Sundays, your local MoneyCenter will usually be open from 10:00 until 18:00. 

In addition to getting some cash, you can use MoneyCenters to complete a range of other errands. This includes cashing checks, paying bills, completing money transfers, and reloading prepaid cards. And this is particularly convenient if you also need to do a little shopping.

Walmart’s Money Management Center

What to know?

You need to present some form of government-issued photo identification along with your prepaid card. Additionally, you need to make sure you know your PIN number. The typical limit is $5,000 per day


In addition to paying for your shopping, you can use your card to withdraw up to $100. However, some cashiers may only be able to hand over $60 in a single transaction. This will depend on the amount of available cash at the time, and it’s a good idea to check this with the cashier. 

Opting for cashback allows you to avoid the standard withdrawal fee. Since there is no fee at the company’s self-checkouts or traditional cash registers, this is an easy way to get some cash without paying anything extra.

Use Specific ATMs

As mentioned, the usual fee charged by in-store ATMs is $2.50 or $3. However, some locations boast ATMs that don’t charge for withdrawal. So, if you see one of these ATMs at your local store, why not use it whenever you need to grab some cash? 

Online Transactions 

The prepaid debit card is also one of the accepted payment methods on the Walmart website. You simply need to sign into your account, visit your wallet, and follow the instructions to add your card. You can then use this card to pay each time you head to the online checkout. No need to withdraw cash or even go to the store!

Now that we’ve fully answered, can you withdraw money from Netspend for free?… Let’s talk about…

What You Can Do with the Netspend Card?

This prepaid card essentially works in the same way as a debit card. Plus, it gives you access to a wide range of financial services. This makes it a very convenient option if you don’t have a traditional bank account.

What You Can Do with the Netspend Card

Available services include:

  • In-store and online purchases
  • Pay for gas, groceries, meals, and more
  • Receive your salary via direct deposit
  • Online bill payment
  • Check cashing via the mobile app
  • Discounts and rebates via cashback
  • Online account tracking
  • Card recharging at more than 130,000 locations

Netspend Prepaid Card Withdrawal Limits

When you use this prepaid card, there are restrictions on the amount you can withdraw, spend, transfer, and load. These are established by federal law, and it’s important to make sure you stay within the limits. Because these limits are imposed to stop you from overspending, so it’s important to be aware of them.

Netspend Prepaid Card Withdrawal Limits

Maximum withdrawal amounts include:

Up to –

  •  $4,999.99 on purchases within 24 hours
  • And $4,999.99 in over-the-counter cash withdrawals daily
  • $325 per ATM withdrawal
  • $940 in daily ATM withdrawals
  • Six ATM withdrawals per day

How to Apply for a Card?

If you don’t already have a prepaid Netspend card, you can apply for one today. You don’t need to have a credit history or even a bank account to apply. Plus, you can order the card to be sent to your home or business address and activate it without paying a dime.

Where to start?

All you need to do is head on over to the company’s website and register for an account. You will need to provide your full name, an address in the United States, and your email account. Next, you will be sent a confirmation email, and you’ll need to click on the link to complete the application process.

You will then be prompted to choose a username, a password, and a security question. After confirming your details, you will receive a card within ten business days. You can then load your card and use it in the same way as a regular debit card.

Can We Help With Anything Else?

There are a couple of other recent articles that we think may be relevant for you. Such as our answers to, Does Dollar General Load Cash App, Netspend, Green Dot, and Chime CardsMore on NetSpend Withdrawal at Walmart, Where Can You Cash A Personal Check Besides Banks, What Time Does Walmart Money Center Close-Open, and Does Kroger Do Cash Back in 2023?

And if banking fees are killing you…

Then why not browse a couple of ways to make a little extra cash to cover them? Find out How to Make $500 Fast and How to Make Money on Instacart. Or take a look at our list of Legit Online Side Jobs!

And if that got your attention, then why stop there? Have a look at our in-depth guide to the Careers That Make You Rich, the Best 6 Figure Jobs, or even Jobs That Can Make You a Millionaire, if that’s more your pace!

Ok, back to…

Final Thoughts

Yes, you can, as long as you use certain ATMs, Walmart’s Money Management Centre, or ask for cashback at Walmart. 

If you have trouble sticking to a budget, a prepaid Netspend card could be the perfect solution. This helps to make sure that you don’t accidentally end up getting overdrawn and spending more than you plan to. However, you will want to make sure that you don’t get stuck with high withdrawal fees.

So, the easiest way to skip the fee is by using certain ATMs. You can also take advantage of cashback withdrawals when you use the card in certain supermarkets. However, it’s important to make sure you have enough money on the card to cover your expenses and that you understand the limits.

Happy free withdrawals with Netspend!

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