Take control and manage your money

01 Order Your Card

Simply give us your name and mailing address and your card will arrive in 7 business days.1

Residents of the State of Vermont are ineligible to open a card account.

Get My Card

02 Activate Your Card

Once your card arrives in the mail, activating it is easy. Come back to this website (it's a good idea to bookmark this website now) and activate online, or call 1-800-214-5483.


Adding Money

The Western Union® NetSpend® Prepaid MasterCard® offers many easy ways to add money to your card.

  • Direct Deposit of your paycheck, government benefits (such as Social Security, SSI, or SSDI), or other regular payments.2
  • Receive Western Union Money Transfer® transactions directly onto your card.3
  • Transfer money directly from your bank.2
  • Visit any of the over 130,000 reload locations in the NetSpend Reload Network.2

Tax Refund Fast

Get your tax refund fast when you e-file and use Direct Deposit!*

  1. Get a Western Union NetSpend Prepaid MasterCard now1 and it will arrive in about 5 – 7 business days with your routing and account number. If you already have a card, log in to your account HERE to get your numbers and go to step 3.
  2. Activate your new Western Union NetSpend Prepaid MasterCard
  3. When filing your taxes, put your Routing and Account number in the designated fields (shown below) and indicate ‘Checking’ as the account type. If you have a professional tax preparer, give them these numbers.

**ATTENTION JOINT FILERS: Please make sure both parties are listed on the account.**

Get Your Card Go To My Account

Tax Refund Help

What It Costs

A fee plan offered by companies you can trust.

The Western Union® NetSpend® Prepaid MasterCard® has a fee plan with an option that's just right for you.4

As an added bonus, after you direct deposit at least $500 of your payroll or government benefits into your account during one calendar month you'll qualify for an upgrade to a $5 per month Premier FeeAdvantage Plan that includes:

Unlimited Purchase transactions for just $5 per month - our best pricing!
If you're short of funds, we may cover you with a Purchase Cushion up to $10.00.5
Personalize your Western Union® NetSpend® Prepaid MasterCard® at no cost!6 Add a picture of a loved one, a special place or even a photo of yourself for an added layer of security. Learn more at wunetspendprepaid.com.

Please scroll down for disclosures

Three Purchase Plan Options: Pay-As-You-GoSM Plan* Monthly FeeAdvantage™Plan Premier FeeAdvantage Plan**
Monthly Plan Fee NONE $9.95 $5.00
Signature Purchase Transaction Fee*** $1.00 each Included in Plan Included in Plan
PIN Purchase Transaction Fee*** $2.00 each Included in Plan Included in Plan
U.S. ATM/Bank Cash Withdraw Fee $2.50 each (owner fees may apply)
Balance Inquiry Fee No Fee via text message
$0.50 each via phone or ATM.
Fee for automated service waived for Premier FeeAdvantage cardholders.
Account Inactivity/Maintenance Fee $5.95/month
Foreign Transaction Fee**** 3.5% of the U.S. Dollar amount of the purchase transaction

* The Pay-As-You-Go Plan is automatically effective on your Card Account when you first obtain the Card. If you wish to change to another Purchase Plan, just call 1-800-214-5483 or visit www.wunetspendprepaid.com.

** Cardholder must receive $500 in Direct Deposit(s) in one (1) calendar month to qualify for this optional Premier FeeAdvantage Plan. Upon qualifying, an eligible Cardholder who is on the Pay-As-You-Go Plan may call 1-800-214-5483 or visit www.wunetspendprepaid.com to change to the Premier FeeAdvantage Plan; a Cardholder already enrolled in the $9.95 Monthly FeeAdvantage Plan will be automatically changed to the Premier FeeAdvantage Plan.

*** During checkout, select 'CREDIT' on the keypad to make a Signature Purchase, or select 'DEBIT' and enter your PIN to make a PIN Purchase.

**** The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by MasterCard, see section labeled 'Transactions Made in Foreign Currencies and/or with Merchants Located in Foreign Countries.'

Add Money To Your Account
Direct Deposit Fee No fee
Fee to add cash or check proceeds at a NetSpend Reload Network location Fee may be assessed by location and may vary from location to location.
Bank Transfer Fee Visit your online Account Center to learn how to transfer funds to your Card from a bank account using a bank debit card or account number. Fees are determined and may be charged to the transferor’s bank account by the originating bank or other provider.
Western Union Money Transfer Fee

No fee to accept a money transfer to your Card Account.

Fees to send a money transfer from your Card Account will vary based on a number of factors, such as amount sent, delivery method and receiving country. Make sure you check the fees and, if applicable, exchange rate, before you send. Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates.

Manage Your Account
Balance Inquiry Fee
  • No fee using Online Account Center
  • No fee using Anytime Alerts text or e-mail message; standard text message rates may apply
  • $0.50 each via automated service, fee waived for Premier FeeAdvantage Cardholders
  • $0.50 each via Customer Service agent
  • $0.50 each via ATM
Check Refund, Paper Communications or Statement Mailing Fee $5.95 each
Additional Card Fee $3.95 each
Lost, Stolen or Damaged Card Replacement Fee $3.95 each
Account Maintenance Fee (also referred to as the Account Inactivity Fee) $5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days.) If enrolled in any FeeAdvantage Plan and your Card Account has had no activity as described above, this fee will apply instead of the monthly FAP Fee or monthly Premier FAP Fee.
Overdraft Protection Service Fee (This optional service has Cardholder activation and eligibility requirements.) $15.00 per Overdraft occurrence (maximum of 3 fees per calendar month).
Pay Bills
Bill Payment Fee One or more no-cost bill payment methods are made available through third-party bill payment service providers. See your online Account Center for applicable fees and a full range of options, including ACH Debit/ Preauthorized Payment Transactions Fees are determined and assessed by third-party bill payment service providers.
ACH Debit/ Preauthorized Payment Transaction Decline Fee $1.00 for each such declined transaction.
Stop Payment Fee for ACH Debit/Preauthorized Payment Transactions $10.00 each
Optional Features
Custom Card Fee $4.95 per custom card, if available.

Using Your Card

More than just sending money

Use your card everywhere Debit MasterCard® is accepted

Use your Western Union® NetSpend® Prepaid MasterCard® to shop online, in stores, over the phone or get cash at ATMs!7 Use your card to buy groceries, fill up the car with gasoline, shop for new clothes, pay for healthcare needs or even for a family vacation.

Send and receive WU® money transfers in minutes3

Use your card to send a Western Union Money Transfer® to over 200 countries and territories or receive a WU® money transfer directly onto your card in minutes.3 You can even perform the WU money transfer online and from the comfort of home.

Pay your bills8

Unfortunately, everyone has bills to pay. With the Western Union NetSpend Prepaid MasterCard you can pay bills like rent, mortgage, cable TV, Internet, natural gas, electricity, insurance, auto loans, student loans and others easily online.

Reward Yourself

Make your money work for you

Refer your family and friends

Use the Western Union® NetSpend® Prepaid MasterCard® Refer-a-Friend program and when your family and friends fund their new card with at least $40, you'll each get a $20 credit!9

Cash back rewards

Get special offers from select merchants and get cash back on your WU® NetSpend Prepaid MasterCard for those purchases.10

Get Your Western Union® NetSpend® Prepaid MasterCard® today!1

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