Netspend Premier vs All Access: Which One Is Best For You?

Metabank’s Netspend All Access combines the features you’d expect from a standard account with a prepaid visa card, together with some amazing perks. Whereas Netspend Premier card allows access to a number of the same features of All Access, including early deposit and payback reward features.

Not sure whether to upgrade from Netspend All Access to Netspend Premier? See what both plans have to offer before you decide.

Prepaid open-end credit provider Netspend offers an All Access bank account service. Netspend All Access aims to supply service users with the best features of checking accounts and prepaid debit cards for a reasonable price. Netspend’s Premier Card offers even more features for a reduced monthly plan.

In order to decide whether you should stick with Netspend All Access or upgrade to Netspend Premium, you’ll have to weigh up the pros and cons of both options.

Stay tuned to read our reviews of Netspend All Access and Netspend Premier.

Netspend Premier vs All Access

Netspend All Access

Features

Extensive Network

Virtual Debit Cards

Early Deposits and Other Benefits

Savings Account

Overview

Netspend Premier

Features

Customized Card

In-App Management

FDIC Protection

Reduced Monthly Plan

Overview

Final Thoughts

Netspend All Access

Metabank’s Netspend All Access checking account is a great option for those who are unable to apply for a traditional bank account. It combines the features you’d expect from a standard account with a prepaid visa card, together with some amazing perks.

Features

The features offered by Netspend All Access are very appealing, but there also are some drawbacks to the service that may prompt users to upgrade to the Premier card.

Extensive Network

Netspend All Access accounts are often accessed for withdrawals via more than 32,000 ATMs, all of which are a part of the MoneyPass network.

The size of the Netspend All Access network is a definite benefit of this account because a larger network means that it’s easier to access your money when you need to.

Virtual Debit Cards

When you open an All Access Netspend account, you’ll be given a physical Debit card.

However, the All Access account plan has an alternative choice for those times when you don’t want to give out your bank information for an online or phone transaction: virtual Debit cards.

You can request up to 6 virtual Debit cards each month, which can stay active from when you request them until the end of the month. you'll use these virtual cards to make transactions without giving out your permanent bank details.

READ: How Do i buy a NetSpend All Access Card?

Early Deposits and Other Benefits

One of the main selling points of the Netspend All Access account is that account owners can get access to their earnings and benefits up to 2 days early compared with traditional bank accounts.

You also get the opportunity to earn cashback rewards when you use your All-Access card to make certain purchases.

While the overwhelming majority of prepaid debit cards don’t offer an overdraft protection feature, Netspend All Access does. this suggests that you can cancel any transaction before it takes you into overdraft, so you'll avoid the $20 fee incurred by a $10 overdraft.

However, there also are drawbacks when it comes to accessing money through a Netspend All Access account. For one thing, receiving money by wire transfer isn't possible. All Access accounts won't accept inbound wire transfers. Customers who are familiar with receiving money in this way may struggle with this aspect of the All Access account.

There also are numerous fees for various actions and transactions, which may eat away at your earnings and rewards. for instance , the fee for foreign transactions is 3% of the transaction amount, while an ATM withdrawal outside of the network will cost you $4.95.

Savings Account

When you open your All Access account, you'll have the option to open a savings account.

For the primary $2,000 you save, you’ll earn a big 6% APY. the share then drops to 0.5% after this threshold.

READ: what proportion Can you Overdraft With Netspend All Access Card Limit?

Overview

Netspend All Access comes with many benefits, including early deposits, overdraft protection, cashback rewards, easy ATM access, virtual debit cards, and optional bank account with a good initial interest rate.
However, you can’t receive money into your Netspend All Access account by wire transfer, and there's a $20 overdraft fee over $10, also as some fairly expensive fees for certain types of transactions and withdrawals.

Netspend Premier

When you upgrade from a Netspend All Access account to a Netspend Premier card, you’ll get access to a number of the same features, including the first deposit and payback reward features.

Features

However, you'll also benefit from a range of additional features that will improve the ease of use and security of your account.

Customized Card

A Nestpend Premier card are often customized with your favorite photograph at no extra cost. this might seem like an arguably trivial benefit, but a high-quality, customized card for no additional charge is certainly a bonus!

In-App Management

Netspend Premier makes it easier to manage your checking account by using the Netspend Mobile App.

The app can send you notifications and alerts to assist you stay organized and informed when it comes to your financial decisions.

FDIC Protection

Fraud may be a major concern when it comes to banking in this day and age, but with Netspend Premier, your bank balance is protected by FDIC insurance, meaning you'll sleep easier at night.

Plus, your Premier card will include fraud protection, whether it’s a Visa or Mastercard variant.

Reduced Monthly Plan

All of those Premier features are available through Netspend’s reduced monthly plan, which is simply $5 per month. this is often a great deal.

Source :

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