How Long For Netspend Tax Refund?


Are you expecting a Netspend tax refund this year? If so, you may already be thinking about how you’ll receive your money and how long it takes for a Netspend tax refund.

Being entitled to a tax refund is great news for a lot of people as you just sit back, relax and get your refund added to your checking account in about two weeks.

This convenience is much preferable to waiting the six to eight weeks a paper check refund requires before it arrives. Additionally, you avoid the stress of going to your traditional bank to deposit the check, in a case where you don’t have a bank, the cost of using a check-cashing service, or the uncertainty of the check making it to your mailbox safely.


How Long For Netspend Tax Refund?


If you do not have a checking account, you will not be able to access the benefits of direct deposit. According to the FDIC, about 33.5 million households in the U.S. are underbanked or unbanked. This is a serious issue.

In the mix, a lot of people who do not own bank accounts often turn to tax refund anticipation loans. Taking these short-term loans come with extremely high-interest rates, and although it gives you access to your refund immediately, the high-interest rate can take a substantial part of it.

If you don’t have a direct deposit luckily there are a few cheaper alternatives if you don’t want to wait for a check. The IRS can deposit your tax refund on a prepaid credit card if you do not have a bank account.


Direct Deposit for Netspend


The process of setting up a direct deposit of a tax refund to a Netspend prepaid or debit card is simple. It is similar to setting up a direct deposit of a paycheck to a checking account.

You will need the following information:

  • the prepaid or debit card routing number, and
  • the account number. 

If you do not have this information, contact the prepaid or debit card issuer which is NetSpend to get the routing number and account number


Netspend is a popular reloadable prepaid card for those wanting to manage their money. Among its utilities is a mobile app to track your finances and deposit checks with the app.

Netspend also helps guide you through the process of depositing your tax refund. If you have the card, you can log into your account online. You can get the Netspend account and routing numbers you’ll need for the direct deposit of your refund.

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You have three different monthly plans to choose from, depending on your spending habits and needs. The monthly fee ranges from free to $9.95, and transaction fees are either free or $1.50 each. ATMs are $2.95 for domestic withdrawals and $0.50 for balance inquiries.

The first Netspend card is free unless you opt for a customized card which costs $4.95 each, your monthly fees are $0 Pay-As-You-Go, $5 (Reduced Monthly Plan), or $9.95 for premium. You will also pay a transaction fee of $1.50 each with the PAYG plan; transactions are free with Reduced Monthly Plan Premier.

Netspend does not charge you for direct deposits, but ATM fees include $2.95 per withdrawal and $0.50 per balance inquiry. While direct deposits are free, third-party fees to reload your card vary at retail locations. 

It supports tax refund direct deposit and has a wonderful mobile app with a great user interface. Users also have customer service for general questions or help with managing their accounts through the mobile app.


How Long For Netspend Tax Refund


Direct Deposit for Netspend


We are going to discuss how long it takes for a Netspend tax refund and the steps you can take to avoid problems with receiving tax refunds on your Netspend cards.

NetSpend cardholders should carefully cross-check the routing and account numbers they provide when they are filing for a tax refund. This is because if you make put in the wrong routing or account number, it can delay a cardholder’s refund, so Netspend encourages cardholders to double-check the numbers when they file. 

“Cardholders have three easy ways to get those numbers: one, text the word ‘DIRECT’ to 22622 if you’re enrolled in Anytime Alerts™; two, print a direct deposit form from the online account center; or three, go to the mobile app menu and choose ‘My Direct Deposit Info.’”


NetSpend sends its cardholders their tax refunds the same day it receives them from the Internal Revenue Service, the only requirement being an active account and being in good standing with Netspend.

Therefore if you are wondering how long it takes for a Netspend tax refund, be sure to check your account online or through the mobile app to confirm your account is active.

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Regularly updating your information such as mailing address and other contact details can help cardholders avoid delays and receive timely account updates from NetSpend. If you are cardholders registered in Anytime Alerts™  you will receive a notification as soon as NetSpend deposits their refunds. 

Notable is that Netspend takes fraud seriously and will protect customers, thereby Netspend will not post a tax refund to an account that bears a different name than what is on the tax refund.

Therefore it is necessary to ensure you have an active personalized card and confirm that the names on your tax return match the names on your account. For example, if you want your tax refund deposited to your spouse’s NetSpend account, you will need to be added to your spouse’s account as a secondary cardholder.


It is okay to take some time. If your tax refund goes into your bank account via direct deposit it could take an additional five days for your bank to post the money to your account.

Generally, it takes 21 or fewer days to process tax returns and issue refunds according to the IRS. Always follow up on the tax refund process and avoid potential issues along the way. Tax refunds usually arrive in less than three weeks if you file your return electronically instead of using direct deposit.

Taxpayers who file an electronic return typically receive their refunds much faster than others. With the help of NetSpend direct deposit, you will get your tax refund much faster than a paper check and because of the utility of the app, you can be sure your refund check won’t get lost in the mail.

Using the direct deposit is the preferred choice for receiving your Netspend tax refund. You will receive your refund in the same amount of time as you would receive any other direct deposit refund.

In less than 21 days from the day their tax refund is accepted by IRS, approximately 90% of taxpayers will receive their refunds. The only way your refund could be on your Netspend card earlier than your refund deposit date is if the IRS or State actually issues your refund out earlier than expected.

If you do not have any problems with the details you filed, the IRS sends over 9 out of 10 refunds to taxpayers in less than three weeks. As they are required to issue refunds within 21 days after receiving the address for these tax returns. If you requested a NetSpend card and you do not receive it within 10 business days kindly call Customer Service.

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Please note that only Netspend accounts that have been active for a minimum of 90 days can be accepted for a tax refund, this is in keeping with FDIC regulations. 


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Video Guide






Using a Netspend card can save you from having to visit your local bank to file paperwork for your tax refund, however, it is important to get your details such as routing and account number correctly to reduce how long it takes for a Netspend tax refund to show in your checking account. With the help of our guide, you can get all the information you need. 

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