netspend reload pack

Netspend Reload Pack Online: How to Buy and Use Reload Pack

This post explains various ways to reload Netspend prepaid cards. The options include purchasing a reload pack online or by using an offline Netspend network. The extended list of reloading options will help you to pick the most suitable way for you and finally reload money to your Netspend prepaid card. First, let’s talk about why would you want to reload your Netspend card.

Why do you want to use prepaid cards?

If you are considering to get your first credit or prepaid card and wanting to know which one is better, a prepaid card can be a great option for you. It can be a great middle stage before you get a credit card. Personally I would recommend not to rush to get a credit card. Credit cards will always be there. If you can culture a good spending habit with a prepaid card, then it will not be late to get a credit card. Since Netspend cards are a prepaid card, let’s talk about why you want to use a prepaid card over a credit card in general.

1. Spending within your budget

Sometimes, a limit can be good for you. Like the speed limit, while driving, it protects you and others. The same principle applies to your spending. When you start your first job and start getting paid, a prepaid card can help you to manage your cash asset more safely. A prepaid card requires cash in your bank account. If there is no cash, you cannot spend further, which is an essential rule when it comes to spending. The prudent spending without debt is the very first and basic step to build wealth. In this regard, a prepaid card can be a great choice.

2. No credit check

When you apply for a credit card, the bank will ask many questions to measure your credibility. You don’t need to go through these hassles if you don’t really want to make debt to spend. Let’s say you could get a credit card. If you keep failing to pay off your credit card debt, it will accumulate and leave a dent in your credit rating. Also, the bank will charge you interest on top of the principle.

3. Same convenient features as credit card

There is no difference between prepaid and credit cards when it comes to usability. You can use a prepaid card to purchase items online or any offline stores that accept Visa or Mastercard. Or, you can pay your bills or transfer cash to someone else. You will not have the diverse benefits you can get from credit cards such as more mileage points, discounts on certain goods and services, and more. But, you will not have any problem when you want to use your prepaid card. Prepaid cards also work with ATMs.

These three major reasons are the advantages of prepaid cards. Of course, you can enjoy these benefits with Netspend prepaid cards. Plus, conditionally, Netspend offers overdraft protection.

Netspend Card Advantages over Other Prepaid Cards

We’ve learned the good things about prepaid cards. Now, narrow our focus on Netspend cards. Among many different prepaid cards, why would people want to use Netspend cards? One of the answers is related to the topic of this post – the convenience of reloading.

Netspend has a wide network throughout the U.S., which allows you to charge at the nearest offline store. Many big retailers such as Walmart and H.E.B. offer Netspend reloading service, so after your grocery shopping, you can simply add more money to your Netspend card conveniently. Plus, Netspend has affiliated cards like Skylight and Western Union that allow you to take advantage of their services as well.

So, Netspend prepaid cards have many benefits including the ease of reloading. Let’s now talk about Netspend reload pack online.

Netspend Reload Pack Online

Let’s discuss how to buy and use Netspend reload pack online. To clarify there, to reload money into your Netspend card, you don’t have to buy a pack or use any third-party service that will require you to join or pay for the pack, reload money into what you bought, and use that pack or card to transfer money to Netspend. It includes unnecessary steps that can incur the cost and take time.

If you still want to use a third party pack, check the later section. I included three popular options for you. But, before that, let’s learn Netspend-friendly options for faster and easier reloading.

Netspend Native Options

1. Bank Transfer

I believe that you have at least one bank account that reserves your cash and you want to reload some of that cash into your Netspend prepaid card. Then, it’s easy. You can send money to your Netspend account through almost any US bank account. You just need either checking or savings account. Or, even the bank’s debit card can be used to transfer money to your Netspend account (card).

You can do this by adding an external account (Netspend account). If you have the bank’s Visa or Mastercard debit card, you can make a transfer. This means, using the same ways, you can add money to someone else’s Netspend card.

2. Direct Deposit

If you receive regular payments from your employer or other entities for social benefits, you can let them directly send money to your Netspend account. This will prevent you from reloading your card by yourself. Netspend points out that direct-depositing can be transferred 2 days faster.

3. Paypal

If you have a PayPal account, you can use it to transfer money from the PayPal account to your (or someone else’s) Netspend card. Just like you do with the bank transfer, you can link your Netspend and PayPal accounts. When both are linked, you can easily transfer funds between the two accounts.

4. Load Checks into Netspend Card

If you want to deposit your check into your Netspend account, you don’t have to go to a bank. You can simply use the Nespend mobile app to put the check into your account. The app allows you to take a photo of a check, which is really an easy way for reloading.

5. Netspend Reload Network

If you are not comfortable with the ways above, then you can still reload at the nearest affiliated location. To check the nearest place, check this location finder. As mentioned above, you can reload at Walmart or H.E.B. as well.

Third-Party Reloading Options

If you really want to use outside Netspend options for reloading, check these services. Please note that they can charge you fees.

1. MoneyPak by GreenDot

GreenDot’s MoneyPak is one of the most widely used prepaid card pack. GreenDot explains that MoneyPak is accepted by most Visa, Mastercards, and more than 200 prepaid debit card brands. To check if your Netspend prepaid card is compatible, check this GreenDot’s eligibility page. On that page, just type the nine digits of your Netspend prepaid card.

To use a MoneyPak card, you first have to purchase MoneyPak and load your money into the card first. Then, if your Netspend card is eligible, you can use your MoneyPak to load the money into the Netspend card. The MoneyPak costs you $5.95, and you can load from $20 to $500 into the MoneyPak. Please note that it will take at least 20 minutes before your loaded funds become available for transfer.

2. MoneyGram

MoneyGram supports more than 100 prepaid cards for reloading. If you are an analog person, MoneyGram can be convenient, because reloading into the MoneyGram can be done at a kiosk by filling up a MoneyGram order. The form requires you to provide personal information such as your full name, your prepaid card name, number, and the amount to be loaded. You need to carry a valid ID. What’s different from swipe reload is you don’t have to have your prepaid card with you at the register. To check the nearest MoneyGram locations, check this finder.

MoneyGram reload costs, at least, $3.95, but the price can differ by the reloading location.

3. Visa ReadyLink

Visa ReadyLink supports most of the Visa prepaid cards including the Netspend cards. You also have to reload at the register. Check this location finder to learn the nearest reload kiosk. The fee for ReadyLink is normally $4.95 or less. With Visa ReadyLink, you can charge from $20 up to $500 per single transaction. But, it gets higher to $1,000 if you use Walmart’s Rapid Reload. Once loaded, the funds will become available within 30 minutes.

Conclusion

In this post, we learned the major ways to reload money into your Netspend account (card). I would recommend using Netspend-native options first since it does not cost and it is more convenient. Of course, you can also use one of the non-Netspend native ways if you want. Regardless of your choice, Netspend is a great prepaid card that offers good benefits by being a Netspend card and being a prepaid card.