Withdrawing Money from Your NetSpend Card at Walmart – A Complete 2022 Guide

Have you ever needed to withdraw cash from your NetSpend prepaid debit card while out running errands at Walmart? As a convenient place to shop, reload cards, and manage finances, Walmart enables customers to take out money from prepaid cards like NetSpend.

In this expert guide, I’ll explain everything you need to know about getting cash from your NetSpend account at Walmart in 2022.

We’ll cover:

• How to withdraw funds at the MoneyCenter, registers, and ATMs
• Maximum daily limits and per transaction caps
• Fees charged by Walmart and NetSpend
• Tips for avoiding withdrawal fees
• Related services like cash advances and buying new cards
• Alternatives to use instead of NetSpend for cash access

As an experienced ecommerce business owner who relies on prepaid cards for online selling, I often withdraw cash from my NetSpend account at Walmart locations near my home. I’ll share my insider knowledge so you can easily access your money on the go.

Let’s get started!

Withdrawing NetSpend Money at Walmart

Walmart offers several ways to take out cash from a NetSpend card when shopping in-store:

1. MoneyCenter Withdrawals

This is my go-to method anytime I need to withdraw large sums, like when restocking my petty cash fund.

Here’s how simple MoneyCenter withdrawals work:

• Visit the MoneyCenter desk inside your nearest Walmart. All stores have one near the front entrance or customer service desks.

• Bring your physical NetSpend card and a valid government-issued ID like a driver’s license or passport.

• Tell the cashier how much you need to withdraw. Maximum is $4,999.99 per day.

• Pay any fees. It’s usually around $4 or 2.75% of the total withdrawn.

• The cashier will count out your cash and hand it over along with a receipt.

I like using the MoneyCenter when I need to take out hundreds of dollars at once because of the high limit. It’s easy and quick, so I can get cash and finish the rest of my Walmart shopping.

2. Cash Back at Checkout

If I just need $20 or $40 cash to tip a delivery driver or pay a friend back, I’ll opt for cash back when checking out.

To get cash from your NetSpend card this way:

• Shop Walmart as usual and head to a checkout register when finished. Self-checkout works too.

• When prompted for payment, insert your NetSpend card into the card reader.

• Enter your 4-digit PIN on the keypad.

• The screen will ask if you want cash back. Select the amount, usually up to $100.

• Take your cash along with your receipt once it prints. There are no fees.

The cash back method is best for quick, small withdrawals without extra charges.

3. ATM Withdrawals

All Walmart stores have ATMs inside near the entrance. When I need cash fast and don’t have time to wait in a MoneyCenter line, the ATM is ideal.

Follow these steps:

• Locate the ATM machine inside your Walmart.

• Insert your NetSpend debit card and enter your PIN when prompted.

• Select the Withdrawal option and the amount you’d like to withdraw. Maximum per transaction is around $325.

• Take your cash and card when dispensed.

While easy to use, ATM withdrawals incur extra fees. I try to avoid them unless I’m in a real time crunch.

Now you know the three easiest ways to get cash from NetSpend at any Walmart store. Keep reading to learn key withdrawal limits, fees, and tips.

NetSpend Withdrawal Limits at Walmart Locations

Walmart places caps on how much you can withdraw from a NetSpend card per day or transaction based on the method used:

As you can see, the MoneyCenter has the highest limits, making it ideal for large withdrawals. ATMs have the lowest per-transaction caps.

NetSpend may also enforce limits on certain accounts. Be sure to check your monthly statements or log in online to understand your account’s unique withdrawal restrictions.

I always call the Walmart MoneyCenter before requesting a withdrawal over $1,000 to ensure they have adequate cash available that day. Banks only stock so much cash per branch, so it helps give them a heads up.

Avoid Going Over Your Limits

It’s smart to check your NetSpend balance online or via the mobile app before attempting a withdrawal. This way you avoid insufficient fund fees or embarrassing declines at the register.

NetSpend charges $15 per declined transaction, which can add up quickly. I made that mistake once and now am overly cautious!

You can also view your monthly statement to track where you stand compared to limits like transactions per month or total monthly loads. Staying informed is key to avoiding costly overages.

Fees for Taking Out Cash from NetSpend at Walmart

While getting money from your NetSpend card at Walmart is convenient, there are some fees to know:

• MoneyCenter: About $4 or 2.75% of the total withdrawn

• ATM Withdrawal: $2.50 – $3 per transaction

• Cash Back: No fee

These fees come directly from Walmart for providing the cash withdrawal services.

However, NetSpend itself charges additional fees in certain cases:

• $1 – $2 per transaction if you have a pay-as-you-go account

• $2.95 per ATM withdrawal unless you have an All-Access account

I once racked up $8 in fees by taking money from an ATM with my pay-as-you-go card! Now I’m careful to use cash back or upgrade my plan.

Below I’ll explain how to avoid fees entirely when getting cash. But first, let‘s discuss cash advances.

NetSpend Cash Advances at Walmart

Can you get a cash advance from your NetSpend card while at Walmart? Unfortunately, no – Walmart does not offer cash advances like you’d get from a credit card.

NetSpend does allow cash advances at approved banks and financial service providers. However, it will cost you:

• $2.50 or 5% of the advance amount in fees, whichever is greater

• 25% APR on the balance until it’s fully repaid

Because of these steep fees, I don’t recommend NetSpend cash advances. You’re better off using a withdrawal method at Walmart or another retailer.

If you need a larger credit line or access to cash advances, I’d suggest looking into secured credit cards. These offer credit lines backed by a cash deposit you provide upfront as collateral.

Buying a NetSpend Card at Walmart

While you can’t get a cash advance, Walmart does sell NetSpend prepaid debit cards in-store:

• NetSpend Visa Card – $9.94
• NetSpend Mastercard Card – $9.94
• NetSpend Premier Fee Advantage Mastercard – $14.94

Purchasing a NetSpend card at Walmart is convenient when you need quick access, like after closing an old account. You can start using it faster than waiting for delivery in the mail.

After buying a NetSpend card at Walmart, you’ll need to activate it before use:

• Call 1-86-NETSPEND
• Visit netspend.com and click “Activate Your Card”
• Download the NetSpend Mobile App and follow prompts

Once your card is active, you can load funds and start withdrawing cash at Walmart MoneyCenters and more.

If your current NetSpend card is lost or stolen, buying a replacement at Walmart provides same-day access to your money. Just use your existing login to transfer the balance.

Next, I’ll explain how to avoid fees when withdrawing money.

How To Avoid Fees on NetSpend Withdrawals at Walmart

My favorite way to avoid fees on NetSpend withdrawals at Walmart is using the cash back method when checking out.

As long as you don’t have a pay-as-you-go account, you can get up to $100 cash back per transaction without any fees. It just takes a few seconds at checkout.

Here are some other tips to avoid fees:

• Use Allpoint or MoneyPass ATMs to make free withdrawals from NetSpend. Walmart ATMs don’t qualify.

• Enroll in a monthly plan like Fee Advantage to avoid per-transaction charges.

• Set up direct deposit for free loads to your NetSpend account.

• Take advantage of your one free ATM withdrawal per month at participating ATMs.

• Transfer funds to a linked bank account for free access.

A little planning goes a long way to avoiding unnecessary fees!

Alternatives to NetSpend for Cash Withdrawals

While NetSpend is one of the most popular prepaid cards, there are alternatives you can use to withdraw cash at Walmart:

• Green Dot – Up to $999 daily withdrawals for $3.95
• Bluebird by American Express – Free access to your Bluebird balance
• PayPal Cash Card – Withdraw from your PayPal balance
• MoneyGram – Pick up cash sent to Walmart

I’ve used PayPal and Green Dot cards in my ecommerce business as well. Comparing features like free ATMs, rewards programs, fees, and limits helps me choose the best option.

You may also consider using payment apps like Venmo, Cash App, or PayPal by linking them to a debit card or bank account. This allows fee-free withdrawals at Walmart.

Summing Up Withdrawing NetSpend at Walmart

I hope this guide provided you with everything you need to know to easily withdraw cash from a NetSpend card at any Walmart location.

To recap, you can access your funds at the MoneyCenter, cash back at checkout, or via an ATM withdrawal. Keep an eye on daily limits and per-transaction caps based on the method.

Avoid fees by using cash back when possible or enrolling in a monthly NetSpend plan. And be sure to track your balance to avoid insufficient funds or overdrafts.

Let me know if you have any other NetSpend or Walmart questions! I’m always happy to share tips and tricks from my years as an ecommerce seller.