UPDATED: October 13, 2022

Looking for an ATM to withdraw your Netspend money for free?

Having a Netspend card is incredibly convenient. You can use it to shop, transfer cash, pay your bills online, receive your paycheck and benefits, or just withdraw money from an ATM.

But no matter what card you're using, ATM withdrawal fees can really eat into your funds. Even if it's just a few dollars here and there, those little charges add up over time. And Netspend's withdrawal fee of $2.99 is no exception.

That's money that could be spent somewhere much more useful, like boosting your emergency fund or saved for other bills.

Luckily, there are many ATMs that let you withdraw money from your Netspend card for free! We've verified that these ATMs are surcharge free and have included the links you need to conveniently find these Netspend ATMs near you.

Stick with us until the end so you don’t spend extra money on withdrawals!

What is Netspend?

Netspend is a financial company that offers alternative financial services, such as prepaid debit cards, direct deposit, bill pay, and mobile check depositing. It was founded in 1999 and is based in Austin, Texas.

While Netspend is not a traditional bank, it is FDIC-insured. That means all your money comes with the same protections you would get from any traditional bank.

When you withdraw cash with a Netspend prepaid card, Netspend charges you a fee of $2.95 for every ATM withdrawal

That’s on top of other charges from the ATM itself, which costs anywhere from $2 and up to $6 depending on the provider.

Luckily, the following networks will let you withdraw money from your Netspend account with no charge. Here are some Netspend ATM locations that allow you to withdraw from Netspend for free.

Where To Withdraw Money From A Netspend Card For Free

When you withdraw cash with your Netspend prepaid card, Netspend charges you a fee of $2.95 for every ATM withdrawal

That’s on top of other charges from the ATM itself, which costs anywhere from $2 and up to $6 depending on the provider.

Luckily, the following networks will let you withdraw money from your Netspend account with no charge. Here are Netspend ATM locations that allow you to withdraw from Netspend for free.

Metabank ATMs

Metabank is the parent company of Netspend, and it allows Netspend cardholders to withdraw cash from Metabank ATMs for free.

You can find Metabank's ATMs in Walmart stores across the country as well as at other retailers such as Target, Walgreens CVS Pharmacy and Speedway gas stations.

To find a Metabank ATM to withdraw money using your netspend card with no fee, you can use their locator tool.

MoneyPass ATMs

Netspend is part of the MoneyPass network, which means that you can withdraw cash for free at more than 37,000 MoneyPass surcharge-free ATMs throughout the country.

Although MoneyPass ATMs tend to be found in retail locations like CVS, Walgreens, and Costco, they’re also present in thousands of other venues across the United States, including banks and credit unions.

To find a MoneyPass ATM near you, use their convenient online locator.

Visa Plus Alliance ATMs

With over two million ATMs, you'll easily be able to find Visa Plus Alliance ATMs to withdraw money from your Netspend card for free.

You might have to pay a fee if the ATM operator charges one, but you will not be charged by Netspend itself for using an ATM in this network.

Visa Plus Alliance ATMs are everywhere — at banks and credit unions, in stores like 7-Eleven, Target, and Walgreens, and even at some universities.

To find a Plus Alliance atm near you, you can use this link.

AllPoint ATMs

Netspend is a member of the Allpoint surcharge-free ATM network. If you have a Netspend Visa or Mastercard prepaid card, you can find their free Netspend ATM near you easily as their ATMS are in over 55,000 locations.

You can find Allpoint ATMs in popular retail stores nationwide like CVS/pharmacy, Walgreens, Target, Speedway, and Rite Aid. It's easy to find them because they're labeled as “surcharge-free” and often display the MasterCard or Visa logo.

Other No Fee Netspend Withdrawal Locations

Aside from those four surcharge-free ATM networks, you can also use the following methods to withdraw cash from Netspend:

Walmart

There are two other ways for Netspend cardholders to get cash at Walmart locations:

Walmart MoneyCenter

You can get cash from your Netspend card at Walmart MoneyCenters. You'll need your Netspend card, a government-issued photo ID and a PIN. 

The limit for withdrawals is $5,000 per day with a $3.75 fee per transaction, but it depends on your local Walmart. We recommend calling ahead to confirm if they offer this service.

Through Netspend Cash Back at the Walmart Register

Similar to other Netspend-affiliated retailers, some Walmarts offer cash back at the register when you shop in store. You can typically get between $20 and $100 cash back when you make a purchase with your Netspend card (like any other debit or credit card).

This helps you avoid having to pay any fees but is obviously limited in how much free cash you can get when you shop in-store.

Over-the-Counter Bank Withdrawals

You can walk into many US banks and credit unions with your Netspend card and request to withdraw up to $4,999.99 every 24 hours.

Some Netspend over the counter cash withdrawal locations may charge a fee; others may not.  It's generally best to call ahead to ask whether they're willing to make the transaction and how much you need to pay.

You'll also need a valid ID, such as a driver's license, state ID card or U.S. passport along with your Netspend card and account information.

Netspend Withdrawal Limits for Prepaid Cards

Netspend complies with federal regulations, so there are limits to how much you can withdraw, spend, and load using your Netspend prepaid card.

These are the max amounts according to their website:

  • $4,999.99 every 24 hours for purchase transactions
  • $4,999.99 every 24 hours for cash withdrawals over the counter
  • $325.00 per ATM withdrawal
  • $940.00 total per day for ATM withdrawals
  • Only 6 ATM withdrawals per 24 hours

If you’re not sure what your real-time limits are, you can check by logging into your Netspend account or reaching out to Netspend’s support team to verify your limits.

Summary: Free Netspend ATM Locations for Cash Withdrawals

Being smart about your finances means that every dollar counts – whether that’s going with a prepaid debit card to avoid overdrafts and loans or spending a few minutes using a Netspend ATM locator to find a surcharge-free one.

In summary, the ATMs you should look out for to withdraw from Netspend without fees are:

  • Metabank ATMs
  • MoneyPass ATMs
  • Visa Plus Alliance ATMs
  • AllPoint ATMs

We hope this article has helped you find an ATM to withdraw money from a Netspend card for free near you. We know that sometimes it can be difficult to locate a verified location that won't charge you additional netsped fees! Be sure to bookmark this page so you'll have a reference to all our “near me” ATM locator links to get your money when you need it!

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