Western Union Prepaid Card: How to apply and how it works

Western Union and Netspend have teamed up to offer their customers a card with great features. Here we explain how to request the Western Union prepaid card and everything you need to know to start enjoying it.

Since it was founded in 1851, Western Union has connected millions of people around the world. providing fast, reliable and convenient ways to move money. Its track record in more than 200 countries demonstrates its commitment to bringing its services to virtually every corner of the world.

Netspend is a provider of prepaid cards commonly used that offers quality service to unbanked consumers in the United States. Most of their clients do not have a traditional bank account and rely on alternative financial services. Founded in 1999, its mission is to develop products and services that give disadvantaged consumers the security, convenience, and freedom they need to transact.

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Western Union prepaid card

Western Union Prepaid Card: How to apply and how it works

The Western Union and Netspend Mastercard prepaid card gives you the same convenience of a netspend prepaid card, in addition to the functionality of sending and receiving transfers Western Union Money Transfer From the comfort of your home or office.

We’ve put together all the information you need about the Western Prepaid Card so you can compare it to others of its kind, so you can choose the one that works best for you.

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How to apply for the Western Union prepaid card

The process to apply for the card is very simple. Follow these steps:

  1. Go into https://www.wunetspendprepaid.com/
  2. Click the “Get a Card” button
  3. Enter all the requested data
  4. Select the card of your preference
  5. Click on the “Get my Card” button

The Western Union card can only be requested through the Internet, it cannot be purchased in any store. After you make your request, your card will arrive within 7-10 business days.

How does the Western Union prepaid card work?

After receiving your card, You must activate it by visiting the page https://www.wunetspendprepaid.com/account/activation.m. Enter your card number and the security code, follow the instructions and voila! You can now start using your Western Union NetSpend Prepaid MasterCard.

Too you can activate it by calling the number on the back of the card or 1-800-214-5483

After activating the card, you must have enough balance to start making your purchases. There are several ways to obtain the necessary funds:

  • Direct deposit of your paycheck, government benefits (such as Social Security, SSI, or SSDI), or other regular payments.
  • Receive Western Union money transfers directly to your card account.
  • Transfer money from a qualified bank
  • Visit any of Netspend’s 130,000+ recharge locations
  • Receive tax refund in your card account

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Western Union NetSpend Prepaid MasterCard: Fees

One of the most important things to consider when purchasing a prepaid card is the activation and usage fees. Sometimes we don’t pay attention to the fine print and are surprised when charges start being applied that we hadn’t anticipated. Below we present some of the most important rates of Western Union prepaid card.

Activation fee None
monthly fee None
Signature transaction fee $1.50
pin transaction fee $1.50
In-network atm transaction fee $2.5
ATM network size N/A
Out-of-network ATM transaction fee $2.5
Foreign ATM transaction fee 4.0%
inactivity fee $5.95/month, after 90 days of inactivity
cancellation fee $5.95

To take into account:

  • Live customer support: free
  • Automated customer support:free
  • Recharge Options: direct deposit, western union, cash reload, wire transfer, check reload.

Western Union NetSpend Prepaid MasterCard Highlights

  • No credit check and no late fees or interest payments because this is not a credit card.
  • The Pay-As-You-Go Plan is automatically effective on your Card account when you first obtain the Card
  • Use the “Refer a Friend” program and when your family and friends fund their card with at least $40, they will each receive a $20 credit
  • Optional Savings Account: 5.00% APR on savings account for balances up to $1,000
  • Use any of the 130,000+ top-up locations on the NetSpend top-up network

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Western Union Prepaid Card: Frequently Asked Questions

1. I don’t live in the United States. Can I get this card?

Regrettably, this card is not available to people living outside the US. You must be a resident and have an SSN to get this prepaid card.

2. Can I use my Western Union NetSpend card outside of the US?

Yes, you should be able to use your Western Union NetSpend card outside of the US., But keep in mind that you may be charged a foreign transaction fee and ATM owner surcharges.

Also, don’t forget to inform Western Union’s customer service department of your travel plans prior to departure. On the contrary, transactions could be declined due to suspected fraud.

3. Does this card offer a mobile check load option?

No, unfortunately you cannot use the Western Union Prepaid Mobile Banking app to deposit checks.

4. How can I overdraw my Western Union NetSpend card?

You can overdraw your Western Union NetSpend card at any ATM or when making a purchase that exceeds your available balance.

Although most prepaid cards limit cardholder spending to the pre-loaded amount, the Western Union card offers a $10 overdraft, so you can only use that amount.

IMPORTANT: Please note that you must repay the negative balance within 24 hours or you will be charged a $15 overdraft fee.

5. How can I build credit with my Western Union NetSpend Prepaid Card?

The Western Union MasterCard prepaid card will not help you improve your credit.

Credit scores show how trustworthy consumers are when they are loaned money. To make this calculation, loans and credit cards are taken into account. Prepaid cards do not report usage information to major credit bureaus. Therefore, they have no impact on your credit situation. The secured credit cards might be a better option in this case.

6. What is the minimum amount you can put on the card?

The minimum deposit for this card is $30.

7. What is the transfer limit?

There is no limit to the amount you can transfer from this cardapart from your account balance. But you can only load a maximum of $7,500 into your account within a 24-hour period.

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