The Netspend Prepaid Mobile App lets you manage your account wherever you are, whenever you need it. That means it’s easy to do things like:

• Check your account balance and transaction history
• Send money to friends and family
• Find no cost reload locations
• Load checks straight to your account – it’s as easy as taking a picture*

It’s secure, fast, and best of all, free.**

* Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.

** While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement for details.

What’s New

Version 5.1.1

Minor bug fixes.

Ratings and Reviews

3.1 out of 5
392 Ratings
392 Ratings
GigiWoo23 ,


This "bank" is a joke. If it's not one thing it's another the first direct deposit I received my account was locked even though I was putting the correct passcode! No where did it say how long my account would be locked for! I had to call THREE times and spoke to some guy at an outsourced call center who dgaf about customers lie to me and say oh I'll reset your password and it'll be fine. He neglected to tell me the time limit on using the password nor did the email state that I must use the password within 30 minutes. A week later I type in the password I changed it to and guess what IM LOCKED OUT. I tried to reset my password and it didnt work. I randomly try and login today from the app and thank God on heaven I was able to reset it to see MY OWN MONEY, but now I have ELEVEN dollars in transaction fees???? This is a BS operation! Run far far away. I would only suggest using them if you can't get a bank account anywhere else! I won't be continuing use and neither should you! I was sent this card randomly and thought I would give them a try. Never again.

Pocket mom ,

Mobile Check Load Not An Available Feature

I saw the mobile check load button and icon appear and then disappear when I’d click on it when I had my temporary card. I figured when I got my permanent card it would be a feature available to me.

No, it is not.

I had issues logging in after I activated my permanent card, too. I requested my password be changed but received the emails days later and expired. I couldn’t login until I finally finally had time to call the phone number.

I got email marketing campaigns in my inbox advertising the new mobile check load feature, saying to download the latest version of the app to access it. I have the latest version. No updates available.

So when I finally got access to my online account, and still couldnt/can’t use mobile check load, I sent a secure message and was told that I don’t have the kind of card that has that feature and that it has nothing to do with personal finance history?

What is going on? And my card stopped working at Starbucks (all Starbucks locations but works everywhere else) when I activated the 10% cash back reward for using the card there?

I don’t get answers to my actual questions, just generic stuff from the faq that answers nothing.

I really hope someone steps in and gives me a real answer. So far the folks helping are sending me templates and copy/pasted passages from the faq that aren’t relevant.

freckels70 ,

Card lost and I got to wait ten business days

I’m so upset and annoying with Netspend I been with u guys since 2009 and have two direct deposit every week I lost my card and I ask for a new one to be expedited because I had no other way of taking money off and most of my money is tied into this bank well they told me I can’t get it expedited cause I don’t have that feature and I don’t understand when I was paying from my account the 25 to do it to say the least I was told there was nothing they could do and now I have to wait on what I work hard for mean while I also lost my citi bank card which doesn’t hold much but when I called for a replacement I got it next day no charge unreal I don’t suggest to anyone putting all ur eggs in this basket cause if u loose or damaged ur card u will be waiting 10 business day for a new one smdh I’m thinking about taking all my money out and just close my account when I do receive my cards smdh cause of this issue and I really did like u guys that’s why I stayed as long as I did but with this it’s a disappointment

Developer Response ,

We are very sorry to hear about your recent card order experience. Please email us at and we will make sure your concerns are addressed.

Thank you,



71.2 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
©2018 Total System Services, Inc.® All rights reserved worldwide. TSYS and NetSpend are federally registered U.S. service marks of Total System Services, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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