NetSpend All Access Fee Plan: Does NetSpend Charge a Monthly Fee?

The NetSpend All-Access monthly fee for this card is $5, but there are variety of other fees you should be aware of before registering for NetSpend All-Access.

NetSpend All Access may be a reloadable card that offers you the freedom to spend your money how you want when you want. But what fees are included?

The NetSpend All-Access card is right for consumers who want the convenience of a plastic card without being tied to a traditional bank.

The following will outline all of these fees, also as all you need to know about the NetSpend All-Access plan, including commonly asked questions about the card.

Read: Is Netspend All Access a Checking Account?

NetSpend All Access Fee Plan

NetSpend All-Access Plan Fees

List of NetSpend All Access Fees

Benefits Of NetSpend All-Access

Drawbacks Of NetSpend All-Access

FAQ

What Is The Maximum Balance For A NetSpend All-Access Account?How Do I Add Money To My NetSpend Card?

Bottom Line

NetSpend All-Access Plan Fees

There are variety of fees associated with the NetSpend All-Access card. the foremost notable of these fees is the $5 monthly fee.

NetSpend Fee Charges

Non-network ATM withdrawal, domestic $2.50

Non-network ATM withdrawal, international $4.95

Fee for Balance inquiry $1

Foreign transaction fee 3%

Overdraft fees $20

Replacement card fee $3.95

Additional card fee $3.95

Paper statement fee $5.95

Custom card fee $4.95

Credit: Finder.com

Unlike another prepaid card providers who waive all fees once you reach a specified payment threshold, this fee is unavoidable.

List of NetSpend All Access Fees

The other NetSpend All-Access Plan fees include the following:

The fee for withdrawing from your NetSpend card employing a non-network ATM domestically is $2.50. The fee for employing a non-network ATM internationally is $4.95.

To check your balance enquiry at an ATM, the fee is $1. you'll check your balance for free on the NetSpend mobile app. The app is additionally the only way to deposit checks by taking photos of them.

Your foreign transaction fee are going to be 3%.

The fee for overdrafts over $10 is $20.

If you need a replacement card, the fee are going to be $3.95. The fee for acquiring a further card is also $3.95. this is often the same amount as your first card’s purchase fee.

To receive a paper statement you’ll be paying a fee of $5.95.

The custom card fee is $4.95.

The reload fee tends to be $3.95, but this will vary depending on the location. the sole establishment that offers reloading at no cost is Check ‘n Go.

To close your account you’ll need to pay a fee of $15.

There is also a fee of $5.95 if you haven’t used your card for over 30 days.

There is no fee for withdrawing from in-network ATMs, nor for activating your card.

Benefits Of NetSpend All-Access

As with any prepaid card, there are pros and cons to the NetSpend All-Access plan. Firstly, the advantages . These include the following:

Direct deposits will reach your NetSpend account up to 2 days faster than they would with a traditional bank account.

You can earn cash back on qualifying purchases. These offers are often tailored to your personal preferences.

There is an optional NetSpend savings account, that you will earn 6% APY (annual percentage yield) on your first $2,000 and on amounts higher you’ll earn 0.5%.

Optional overdraft protection is additionally available- but it should be noted that if you have this enabled and overdraw more than $10, you’ll be paying a fee of $20.

NetSpend All-Access’s purchase cushion covers you free if you overdraw under $10.

You can use any of the 32,000 in-network ATMs freed from charge. There’s also an abundance of partnered businesses that provide in-person reloads, but apart from the occasional exception, you'll be charged.

If you don’t want to offer your card information either over the phone or online, you’re entitled to request up to 6 Virtual Cards, which can remain active until the month is over.

Drawbacks Of NetSpend All-Access

And now the drawbacks. There’s some to be aware of, including:

You are unable to withdraw over $400 per transaction, nor quite $1,000 in at some point . you furthermore may can’t spend over $5,000 on any given purchase. counting on the purchases you plan on making with your prepaid card, these limits could seem like a little less access than ‘All-Access’ would have you believe.

You won’t be ready to accept any wire transfers. If you’re expecting to receive regular wire transfers, it’s worth looking into other accounts, sort of a traditional checking account (or, if your banking history is negative, a second chance checking account).

Finally, all the previously listed fees might constitute a drawback within the eyes of some consumers. The $5 monthly maintenance fee is certainly a turnoff for several .

FAQ

What Is The Maximum Balance For A NetSpend All-Access Account?

The limit for a NetSpend All-Access balance is $15,000. If you discover yourself nearing this amount regularly, consider transferring your money to an account which will yield interest, sort of a CD (certificate of deposit), a market account, or a bank account .

How Do I Add Money To My NetSpend Card?

There are variety of options when it comes to adding money to your NetSpend card.

You can deposit a check directly to your NetSpend account just like you would with a traditional bank account. you'll also receive tax refunds and the majority of government benefits via direct deposit. there's no fee for direct deposits.

You can also receive money via mobile check deposits. These are free but can take up to 10 days to clear. you'll pay a fee of 1% to 4% for same-day processing.

Funds are often transferred to your NetSpend card online via your bank account or via your PayPal account.

You can also reload your NetSpend card at any participating partner location, of which there are quite 130,000. These include but aren't limited to Walgreens, Check ‘n Go, Walmart, Shell, Speedway, Dollar General, Circle K, Albertsons, and 7-Eleven.

The only establishment on this list that offers reloading free of charge is Check ‘n Go. The fee at the most retailers tends to be between $2 to $3.95, which is sort of a bit lower than the reload fee of many competitors, like Green Dot’s ‘Reload @ the Register’ service which can cost up to $5.95 per reload.

Bottom Line

There are variety of fees associated with the NetSpend All-Access plan, but the one many consumers find most egregious is that the $5 monthly maintenance fee.

Considering certain other prepaid card options are often willing to waive monthly fees once you reach a specific payment threshold, it’s justifiable if you discover this unavoidable fee a step too far.

If you'll look past these fees, though, there are plenty of benefits to NetSpend All-Access.

But it’s worth considering all of your options before committing- especially since it costs $15 to close your account if you change your mind.

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