Usually, you'll need your Netspend card to withdraw money from it, especially if you are at an ATM, since the Netspend card account does not support cardless withdrawals.
If you can't access your physical card or have simply lost it and are looking to get money off it, this guide compiles the best methods you can use.
6 Ways to Get Money Off Netspend Account Without Card
If a situation arises when you need money from your Netspend card but do not have the card with you, you can still cash out or withdraw the money from the card.
Below are 6 ways to get money off Netspend account without card:
1. Transfer to Another Netspend Account
Transferring the funds to another account holder is a great way to get money off your Netspend account without your card.
If you need money right away from your Netspend account, you can transfer funds or send the money to other Netspend account holders.
You can transfer money to a trusted family member or friend who is also a Netspend user (or an ACE Elite, Control, or Purpose cardholder) via your online account or the Netspend app on your phone.
The process is similar to transferring money from one Netspend account to another.
The money could then be handed to you by a trustworthy friend or family member.
You may also require the following items to send money to other Netspend users:
- Name of friend or family member
- FlashPay ID (This can be found in your online Netspend account portal)
You can deposit money from any U.S. bank into your Netspend account as a Netspend account holder, but not the other way around.
Although Netspend accepts incoming funds, there are several requirements to meet before moving or sending funds out.
2. Transfer to a Bank Account (Using PayPal)
Netspend is a very advanced payment tool and you can fund your Netspend account with money from your bank account and debit card.
Unfortunately, you can't directly transfer money from Netspend to a bank account.
While you can't directly transfer funds from Netspend to a bank account, you can, however, use PayPal to transfer money from your Netspend account to your bank account.
You may need your Netspend account and routing number to link your account to PayPal.
However, there is a workaround for getting money out of your Netspend account and transferring it to your bank account.
Transfer funds from your Netspend account to your PayPal account. You can also have the money returned to your bank account after receiving it through PayPal.
And there are a few things you should know before you start.
We recommend that you do not transfer a large amount of money if you have created a new PayPal account solely to transfer money. Otherwise, your funds will be placed on hold.
If you need the money in your bank account right away, you'll have to wait 3 to 5 days. Because money transfers from PayPal to a bank account are not instant, it takes three to five business days for the funds to appear in your account.
This way of withdrawing funds from your Netspend account will be free of charge. However, you will have to wait a few days for the funds to arrive in your account.
3. Use A Virtual Account Number
Most card providers let you generate virtual cards that are linked to your main card account and that you can use to complete transactions.
Netspend lets you generate up to 6 temporary virtual account numbers.
These virtual account numbers can be used as a substitute for the Netspend card on occasion.
A virtual account number is similar to a one-time-use account number that cannot be used for any future transactions.
This is the ideal option for people who do not wish to give the receiver their account information.
Here's how to generate a Netspend virtual account number:
- Login to Netspend via the mobile app or website
- Go to the Netspend account center
- Find the Virtual Account Number
- Use the new account number
When asked for your Netspend card number, you can now enter the new virtual account number.
Other information, such as the expiration date and CVV, can be found on the same virtual card.
4. Request a Check
Requesting a check from the Netspend support team is another option to get money off your Netspend account without using your card.
However, it should be noted that this method is typically used when a user wishes to close their account.
You can also use it to withdraw funds from your Netspend account.
All you have to do now is contact Netspend's customer service team, and you'll be good to go.
Here's how to request a check from the Netspend support team:
- Call Netspend Support
- Request a Check
- Receive the Check
5. Use Third-Party Services
You can use your Netspend card or account information to make a payment from Netspend.
However, there is another way to pay using your Netspend account.
You can pay merchants using third-party services like MoneyGram and ExpressPayment.
Before you can make a payment, you'll need to check with the online store or merchant to see if services like MoneyGram and ExpressPayment are accepted.
If the shop accepts these third-party payment methods, you'll be able to get money off your Netspend account without the card.
6. Use the Netspend Card Through a Wallet App
Using your Netspend card through a wallet app is another great way to get money off Netspend account without using the card.
Wallet apps such as Apple Pay are widely accepted as a payment method by many individuals and businesses (including large retailers).
The best is, Apple Pay works with prepaid cards like Netspend prepaid debit card meaning, you can link your Netspend card account to Apple Pay and use it for your different financial transactions without the need for the physical card itself.
To add your Netspend card to Apple Pay wallet:
- Go to the Wallet app on your iPhone.
- Tap the "Add button" (+).
- Tap "Continue."
- Tap "Enter Card Details Manually."
- Enter your card information.
- Tap "Next."
- Enter the asked information.
Final Thoughts on How to Get Money Off a Netspend Account Without Card
Having a Netspend account has its benefits, but it also has its drawbacks. Netspend accounts can accept payments without restriction, but sending money to different payment systems has limitations.
Netspend users can transfer money to one another without using cards within the system.
You may also get money off your Netspend account without a card by transferring the funds to a bank account linked to a PayPal account.
Whether you have a card or not, these are useful facts to carry in your back pocket.
This article compiles 5 ways to get money off a Netspend account without a card. You'll surely find a method that suits you from here.
