How to Get Money Off Netspend Account Without Card [8 Options]

By Neil Harris 13 Min Read

You don’t have a Netspend card again and looking to get money off your Netspend account without using the card service? Or have you lost your card, blocked it, or looking to avoid card fees during withdrawal? In this blog post, I will show you possible options to get money off Netspend account without card.

The best way to get money off Netspend without a card is by requesting a check. Log into your Online Account Center and click the “Request a Check” option to initiate the process. Netspend will mail you a check, which you can deposit or cash at your local bank.

But there are also other faster methods, but bear in mind that they come with specific transaction fees since they might involve sending across other platforms.

We will expand on other options, then show you the pros and cons of each of the options.

get money off Netspend account without card

Ways to Get Money Off Netspend Account Without Card

From my experience of withdrawing from my Netspend account without card, I have utilized some of these seven options. After considering their pros and cons, you can select which works best for you.

Transfer to a Linked Bank Account

You don’t need a Netspend card to do this, and depending on the receiving platform, this service is FREE.

If you have a bank account linked to your Netspend account, then you can easily transfer money between both platforms.

  • Log in to your Netspend online account centre.
  • Navigate to the “transfer funds” section.
  • Select the receiver bank.
  • Input the amount you want to send.

Follow the other prompts to complete the transfer.

To link an account to Netspend, you will need the card details of the other platform. Depending on your platform choice, most of them are instant transfers, and you may incur a fee of about 1.5%. But with providers like Zelle, there’s no charge for this service.

This is another good way to get money off Netspend account without card. Services like Netspend allow you to generate virtual cards for online transactions. If you lost your Netspend card and want one immediately, you can explore this option.

With Netspend, you can generate up to six temporal virtual account cards that can be used for any transaction.

Owing a virtual card is also useful if you intend to protect yourself from credit card fraud. You can input your virtual card number if you want to buy from an unfamiliar website. Once you complete the purchase, you can cancel the virtual card number, and your details will automatically become invalid.

To get a Virtual Netspend Card:

  • Open Netspend and log in
  • Go to Netspend Account Center
  • Click on “Generate a temporary Virtual Account.”

You will answer some security prompts, and your new virtual account card will be generated.


This method is convenient and safe for online transactions as it does not require sharing your card information.


This method may not work for all types of transactions, such as in-person purchases or withdrawals. It also may not be available to all Netspend account holders.

Connect your Virtual Card to PayPal

Another smart way I use to get money off Netspend account without card is by connecting my information with PayPal and then using PayPal to move the money to my bank account. Or in many cases, I use PayPal to complete whatever transaction I intend to complete.

Sometimes it might not be easy to transfer money from Netspend to a bank account, so this is where PayPal comes in.

If you need a complete guide on transferring your money from Netspend to PayPal, you should read this guide.

There are several ways to do this. If you don’t have a card, you can generate a virtual card on Netspend and then use the information to complete the linking process on PayPal.

To complete this process, follow the steps below:

  • Open your PayPal account.
get money off Netspend account without card using PayPal
Click on “link bank or card”
  • Click on “Link bank or card.”
link card to get money off Netspend account without card
Link card and follow the prompts
  • Click on “Link card.”

Then you complete the information using the virtual card you generated on Netspend. That should help you make any transaction or pay out to a bank.


This method is convenient if you already have a PayPal account and prefer to use it for transactions.


There may be fees associated with using PayPal, which all merchants or service providers may not accept.

Request a Check

If you want to withdraw money from your Netspend account, you can request a check for the amount.

  • Log into the Online Account Center
  • Find the “Request a Check” option,
  • Then follow the prompts.

You will communicate with the Netspend account service or support team to provide you with a check.

They will ask you to provide security details relating to your Netspend account. Once you provide accurate information and all procedures, you will get an email confirmation.

Netspend will mail you a check within one week, which you can deposit or cash at your local bank. Remember that this method only applies if you plan to close your account permanently.

Withdraw Cash at Authorized Retail Locations

Many retail locations offer the option for Netspend account users to withdraw cash from their accounts without a card. To find authorized retail locations, use your Netspend mobile app or website to search for “Reload Locations” or “Cash withdrawal locations” near you.

These locations will include grocery stores, convenience stores, and check-cashing stores.

When you get to the retail location, inform the cashier that you would want to withdraw cash from your Netspend account.

You will provide additional information like your account details and valid photo ID. Then the cashier will complete the transaction and provide you with your cash.

Transfer Money To The Cash App

Another way to get money off Netspend account without a card is to transfer the money to Cash App and you it for your transactions. Cash App is a mobile payment service that allows you to send and receive money.

There is a complete tutorial to help you with the transfer. Click here to see the guide.

Connect a Payment Service

To get money off Netspend account without card, you can connect a payment to a payment or wallet application like Google Pay, Apple Pay, or even Samsung Pay. You can use a virtual account as explained above to connect your Netspend account to these payment services.

Follow the steps below to add your virtual card to any of the wallets above.

  • Go to the wallet app on your iPhone or Samsung.
  • Click on the “add button (+).”
  • Click continue.
  • Tap “Enter card details manually.”
  • Enter your card information.
  • Click “Next”
  • Then you complete the prompts.

If you don’t see the “+” sign on your Apple wallet, your phone is configured to the wrong region, and you can’t use the Pay Wallet. You will have to reconfigure your phone setting and use the correct region.

Withdraw Through a Friend

One of the ways I get money off Netspend account without card is by using a friend. This is pretty simple. If you have a friend using a Netspend account, you can quickly transfer money from your Netspend account to their account without worrying about the additional fee.

Ask your friend to withdraw the money through their Netspend card and give you the cash equivalent. But make sure the person is a close friend to avoid unnecessary drama and ripping.

To complete the transfer from your Netspend account to your friend’s Netspend account, all you need is;

  • Their email or
  • Full name.

They should receive the transfer within 20 minutes of completing the transfer from your own end.


This method is quick and easy if you have someone you trust willing to help you.


You must find someone with a Netspend account willing to transfer money to you. There is also a risk of fraud or misunderstandings if you do not know the person well.

Common FAQs on Getting Money Off Netspend Account Without Card

Can I withdraw cash from an ATM without a Netspend card?

Netspend does not currently support cardless ATM withdrawals, but you can withdraw cash from participating retail locations without a card.

Is there a limit to how much money I can transfer or withdraw from my Netspend account?

Your account limits may vary depending on your account type and transaction history. To find out more about your specific account limits, please refer to your account agreement or contact Netspend customer service.

How long does transferring funds from my Netspend account to a linked bank account take?

Transfers between Netspend accounts and linked bank accounts generally take 1-3 business days, but the exact processing time may vary depending on your bank.

Are there any fees for using mobile wallets with my Netspend account?

It is free to link your account to a mobile wallet or use the wallet to make purchases. However, other fees, such as transaction fees, may still apply. Be sure to review the fee schedule provided by the mobile wallet service you use.

Yes, you can link your Netspend account to multiple money transfer services, such as PayPal, Venmo, and Zelle. This provides additional flexibility and options for accessing your funds without a card.

Is it possible to pay bills directly from my Netspend account without a card?

Yes, Netspend offers a bill pay feature that allows you to pay bills directly from your account without a card. You can use the Online Account Center or mobile app to set up one-time or recurring payments to various service providers, such as utility companies, credit card issuers, and mortgage lenders. This feature provides a convenient way to manage your expenses without relying on your physical card.


We’ve seen several options to get money off Netspend account without card, which includes using the Online Account Centre, mobile wallets, money transfer services, and withdrawing cash at authorized retail locations. By following the tips provided by our guide, you can effectively manage your account and minimize fees.

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Seasoned, hands-on exec with a broad range of experience at both start-ups and large international corporations. Highly successful, results and customer oriented professional and with over 18 years experience in the software and payment innovations arena, with a proven track record in driving revenue growth and delivering results in operational performance and profitability through direct and indirect channels. Key focus is on customer success and delivering value and efficiency gains through tech. I live & breathe innovation in the payments arena - Visa & Mastercard card processing, UK Bacs, Faster Payments, Direct Debits, card acquiring & global payments are my junk food
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