How Much Can You Overdraft With Netspend? Find Out The Reasons Here

Written By Alice Wilson
Reviewed by Daisy Martinez
Last update:
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

There is no definite answer to the question, “How much can you overdraft with Netspend?”. Cardholders can overdraw their accounts with Netspend if they have already enrolled in the company’s overdraft protection service. Otherwise, Netspend won’t let you exceed the card’s authorized limit.

This article will give you a clear picture of how much you can overdraft with Netspend all-access. We will discuss the ins and outs of Netspend’s overdraft policy. Let’s dive in.

What is an Overdraft?

An overdraft is a credit service that lets you spend more money than you have in your current account. It can help you cover unexpected expenses or payments when your balance is low. An overdraft is different from a loan because you only borrow money when you need it. However, you have to pay interest and fees for using an overdraft.

How the Overdraft Protection Service of Netspend Works?

Netspend’s overdraft protection lets prepaid card users spend up to $10 more than they have. To use it, they need to get $200 or more every month from direct deposit. Netspend charges $20 each time they overdraft, up to three times a month. Netspend does permit overdrafts at ATMs. The service stops if they owe money for too long.

How To Get Yourself Enlisted In Netspend’s Overdraft Protection Service?

This overdraft protection is entirely at the company’s discretion. To sign up for NetSpend overdraft protection, enter your email address and agree to the disclosures and revised terms of the overdraft protection contract. 

Furthermore, you must receive at least $200 in deposits every 30 days to be eligible for overdraft protection. Once enrolled, you can check your overdraft limit and balance online or through the mobile app.

How Much Can You Overdraft With Netspend?

You may spend more money than you have with Netspend. How much you can spend depends on some things, such as your card type, account status, and transaction history. We will try to understand the scenario.

Netspend’s Overdraft Limits And Its Eligibility

Netspend lets you overdraft your card up to $10 for free, as long as you pay it back in a day, up to a maximum of $50 per calendar month. If you overdraft more than $10 or don’t pay it back in time, you’ll be charged $20 per time, up to five times a month. Netspend can also reject your overdraft if it thinks you’re abusing the service.

Netspend All Access and Premier Overdraft Limits

Netspend all access and premiere card holders are eligible for overdraft protection service. However, they do not clearly distinguish the overdraft limits within different cards. Practically Netspend All access, and Premier cardholders can use the service more frequently, as Netspend does not clarify how much is too much.

Historical Overdraft Limits

Netspend’s overdraft limits have changed over time due to regulatory changes and customer feedback. Since 2017, we do not see any major changes.

Changes To Netspend’s Overdraft Limits Over Time, Including In 2017

Netspend reduced its overdraft limit for basic cardholders from $100 to $10 per purchase in 2017. This was in response to a Consumer Financial Protection Bureau (CFPB) rule requiring prepaid card issuers to obtain customers’ permission before charging overdraft fees. 

Western Union Netspend Overdraft Limits

Now we will answer a common question, how much can you overdraft with western union Netspend?

The answer is pretty simple. If you have a Western Union Netspend card, you can also enroll in the overdraft protection service and enjoy the same benefits as other Netspend cardholders.

Relationship Between Western Union And Netspend

Western Union is a money transfer service that partners with Netspend to offer prepaid debit cards. You can join the overdraft protection service with a Western Union Netspend card.

Overdraft Limits For Western Union Netspend Accounts

This service lets you spend up to $10 more than your balance per purchase, but most at $50 per month. To get this service, you need to sign up for it and get direct deposits of $200 or more every month.

Tips and Tricks To Avoid Netspend Overdraft Protection Fee 

You have to repay the overdraft amount within 24 hours, or you will be charged a fee of $20 per transaction. We will share some tips and tricks to avoid the burden of these fees.

  • Check your balance regularly online or through the mobile app. You can also sign up for text or email alerts to notify you when your balance is low or when you have an overdraft.
  • Set up direct deposit for your paycheck or benefits so that you have money in your account on time. Netspend will reduce the monthly plan fee if you receive at least $500 in direct deposits per month.
  • Transfer money from another Netspend account or from a linked bank account if you need more funds. You can reload your card at any of the 130,000 Netspend reload locations nationwide, such as Walmart, CVS, 7-Eleven, and more.
  • Use the Netspend Savings Account feature to earn interest and save money for future needs. You can earn up to 5% APY on your savings balance and transfer money to your card when you need it.
  • Opt out of the overdraft protection service if you don’t want to risk paying fees. You can do this online or by calling the customer service number on the back of your card.


Where Can I Find A Netspend Card?

We’ll deliver you a personalized card after you complete a quick online order form! There are no credit checks or upfront fees. To activate the Card Account, you will need to provide your full name, street address, date of birth, and other identifying information. 

Where Can I Find My Account Details And Routing Numbers?

To get your routing number and account number for Direct Deposit, you have a few options. You need to activate your card and verify your identity first. The card will come with instructions on how to sign up for Direct Deposit, including your account information. Or you can,

  • Log in at the Online Account Center. ‘Direct Deposit’ can be selected from the main menu. Your account details are displayed in a grey box on the right side of the screen.
  • Text DIRECT to 22622 to register for Anytime Alerts™. Your account information will be included in a text message you receive from Netspend.
  • Dial 1-866-387-7363 and select the “Other Services” option. Your account information will be heard over the phone.

How Can I Add Funds To my Account?

Netspend has an updated list of different ways how we can deposit money in our Netspend card.

  • Direct Deposit: You can get your paycheck, or benefits check on your Netspend card for free. This is easy and fast.
  • Bank Transfers: You can use your bank account to put money on your Netspend card. You need a checking or savings account or a bank debit card for this.
  • Transfer Money Between Netspend Card Accounts: You can move money from one Netspend card to another.
  • Netspend Reload Network Locations: You can find many places in the U.S. where you can put money on your card. Use our Reload Center locator to find the cheapest ones near you.
  • PayPal®: You can use PayPal to put money on your card. This is a good option for PayPal users.
  • Tax Refunds: You can tell the IRS to send your refund to your Netspend card. This is faster than getting a check in the mail.

Is Netspend Similar To Paypal?

Prepaid Netspend accounts integrate with PayPal by linking the two accounts. Netspend users can reload their accounts online or at over 130,000 Netspend Reload Network locations across the country. NetSpend customers are not charged any fees by PayPal.

Do I Need A Card To Use Netspend?

Virtual Accounts let you use the money in your Netspend® Card Account to pay bills or make purchases without giving out your regular Prepaid Card number.

Final Thought

Overdrafting on Netspend will not give you the freedom like credit cards. But it comes in handy while making immediate purchases. We shared the details of how much you can overdraft with Netspend all-access. Now it’s time to take control of your overdraft to avoid unnecessary fees. We hope this article answers your queries regarding overdraft with Netspend. Comment down below if you have any more questions related to it. 

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Alice Wilson is a seasoned Content and Ebook Writer with a Master's in Broadcast Journalism from the University of Arizona. Certified in Journalism, Creative Writing, and Business Writing, she combines her academic prowess with real-life experiences to craft articles tailored for those exploring work-from-home opportunities, online money-making, and lifestyle topics. When she's not writing, Alice is immersed in yoga and literature, adding depth to her understanding of the world.

Content Disclaimer: Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

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