NetSpend is the same as using a bank card, except I can’t make a deposit. All I can do is add money and taking them out. Its only benefit is not carrying cash and I get my pay two days faster. Right now it has been inconvenient to do the online purchase. I don't want to order anything online again. I had an issue with my money where I paid for a rental car and I didn’t pay it all the way, but they took payment about three times. The NetSpend people were also confused.