Netspend DDA, prepaid card and ACH data

Netspend Corporation · Banking 4.6 ★

Netspend is Netspend Corporation's Android app for U.S. prepaid debit cards and Pathward-issued Netspend Debit Accounts. Cardholders can check spendable balances and recent transactions, view statements, copy Direct Deposit details, manage physical and virtual cards, change a PIN, lock a card or report it lost, and add a card to Google Wallet. Move Money includes Plaid-linked ACH funding, debit-card transfers, person-to-person payments and mobile check loads, with Western Union and MoneyGram options also available. Savings, Cash Back / Payback Rewards, loyalty points and the Credit Builder / Better Credit secured card extend the account beyond everyday spending. Sign-in supports username and password, one-time verification codes and later biometric access; identity-document submission, overdraft enrollment, E-SIGN consent and in-store cash-load barcodes support account setup and use. Netspend is not a bank: Pathward, National Association, member FDIC, provides the deposit account. The service targets U.S. prepaid-debit and everyday-money users, including people seeking alternatives alongside Green Dot, ACE Elite, Chime and Walmart MoneyCard; Vermont residents cannot open a Card Account. The Play listing has a 4.6-star rating from 140,174 ratings.

Netspend deposit-ledger records connect availableBalance and postedBalance with payroll identifiers accountNumber and routingNumber. Transaction entries add transactionAmount, transactionType, merchantName and pending, giving payroll and benefits tools the fields needed to distinguish posted deposits from pending card purchases. Card-owner identity records include CipStatusType, dateOfBirth and postalCode, while virtual-card records pair card_id with lastFour, nickname, locked and cardStatus. Full card details remain a separately verified part of the card-management flow.

ACH reconciliation can join linked-bank institution_id, mask, subtype and bank_link_id with debit-ledger entries. Cash-load records carry barcode_transaction_mapping_id and expiresAt; person-to-person transfer availability is represented by eligibility and status. Rewards ledgers combine availablePoints, pointsAmount and redemptionOptions with merchant offerId and activated states. Savings adds apy and enrollment, and secured-credit records provide available_credit_limit and enrollment. These field relationships support payroll reconciliation, card-lifecycle tools, ACH funding checks and rewards operations. openData Studio turns the account records into callable open data for those integrations.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Sign in with username and password
POST /v1/prepaid-access/sessions osint
Creates a mobile session after username/password sign-in and any required one-time-code challenge so subsequent calls can send the session token header.
Auth: No prior session. Username and password in the JSON body; an out-of-band challenge uses oobaCode. The returned token is sent in the X-Ns-Access_token header.
- username
- password
- oobaCode
- sessionToken
- authToken
- acp_access_token
- deviceId
```
POST /v1/prepaid-access/sessions HTTP/1.1
Content-Type: application/json

{
  "username": "demo-user",
  "password": "<password>",
  "oobaCode": "<one-time-code>"
}
```
```
{
  "sessionToken": "<session-token>",
  "authToken": "<auth-token>",
  "acp_access_token": "<account-access-token>",
  "username": "demo-user",
  "deviceId": "<device-id>"
}
```
Load signed-in profile
GET /v1/people/profile osint
Loads the signed-in cardholder profile, including name, email, phoneNumber, dateOfBirth and username, for the profile screen and identity-verification flows.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- firstName
- lastName
- givenName
- middleName
- email
- phoneNumber
- dateOfBirth
- username
```
GET /v1/people/profile HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "firstName": "Avery",
  "lastName": "Sample",
  "givenName": "Avery",
  "middleName": "A",
  "email": "[email protected]",
  "phoneNumber": "+15555550114",
  "dateOfBirth": "1990-01-01",
  "username": "demo-user"
}
```
List debit-account transactions
GET /v1/debit-ledger/entries openbanking
Pages the debit and prepaid ledger shown under Recent Transactions, with amounts, merchant names, pending status and the posted balance associated with each entry.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- transactionAmount
- transactionType
- merchantName
- merchant_name
- description
- pending
- postedBalance
- amount
```
GET /v1/debit-ledger/entries HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "transactions": [
    {
      "transactionAmount": -15.25,
      "transactionType": "POS",
      "merchantName": "Sample Market",
      "merchant_name": "Sample Market",
      "description": "Sample grocery purchase",
      "pending": true,
      "postedBalance": 284.75,
      "amount": -15.25
    }
  ]
}
```
Read card-owner CIP profile
GET /v1/identity/verification osint
Returns the card-owner Customer Identification Program record that gates full account use, including CipStatusType, name, dateOfBirth and the postal address used for card orders and document submission.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- CipStatusType
- firstName
- lastName
- dateOfBirth
- city
- state
- zip
- postalCode
```
GET /v1/identity/verification HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "CipStatusType": "FULL",
  "firstName": "Avery",
  "lastName": "Sample",
  "dateOfBirth": "1990-01-01",
  "city": "Sample City",
  "state": "TX",
  "zip": "00000",
  "postalCode": "00000"
}
```
List virtual cards
GET /v1/payment-instruments/digital openbanking
Lists active virtual cards for the debit account with nickname, lastFour, locked and cardStatus; card creation is subject to the annual and active-card limits shown in the app.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- card_id
- lastFour
- cardLastDigit
- nickname
- locked
- cardStatus
- virtualCard
```
GET /v1/payment-instruments/digital HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "cards": [
    {
      "card_id": "<virtual-card-id>",
      "lastFour": "0000",
      "cardLastDigit": "0000",
      "nickname": "Subscriptions",
      "locked": false,
      "cardStatus": "active",
      "virtualCard": true
    }
  ]
}
```
Reveal card PAN and CVC
POST /v1/payment-instruments/disclosure openbanking
Applies a further CVC verification step before full card details are revealed for number-copy and Google Wallet provisioning flows on a virtual or physical card.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- card_id
- cvc
- pan
- lastFour
- expiresAt
```
POST /v1/payment-instruments/disclosure HTTP/1.1
X-Ns-Access_token: <session-token>
X-XSRF-TOKEN: <xsrf-token>
Content-Type: application/json

{
  "card_id": "<virtual-card-id>",
  "cvc": "<verification-cvc>"
}
```
```
{
  "card_id": "<virtual-card-id>",
  "pan": "<card-number>",
  "cvc": "<card-cvc>",
  "lastFour": "0000",
  "expiresAt": "2028-09"
}
```
List Plaid-linked external banks
GET /v1/funding/external-accounts openbanking
Lists external checking and savings accounts linked through Plaid for ACH funding, including institution_id, mask, subtype and bank_link_id; linking eligibility and configuration support the same flow.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- bank_link_id
- institution_id
- bankName
- accountName
- accountType
- mask
- subtype
- plaid_token
- link_session_id
```
GET /v1/funding/external-accounts HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "accounts": [
    {
      "bank_link_id": "<bank-link-id>",
      "institution_id": "<institution-id>",
      "bankName": "Sample Bank",
      "accountName": "Checking",
      "accountType": "checking",
      "mask": "0000",
      "subtype": "checking",
      "plaid_token": "<plaid-link-token>",
      "link_session_id": "<link-session-id>"
    }
  ]
}
```
Read Direct Deposit routing and account numbers
GET /v1/payroll/deposit-details openbanking
Returns the Pathward account and routing identifiers copied from Account Info when setting up employer payroll or federal-benefit Direct Deposit.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- accountNumber
- account_number
- routingNumber
- routing_number
- accountType
- bankName
```
GET /v1/payroll/deposit-details HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "accountNumber": "<account-number>",
  "account_number": "<account-number>",
  "routingNumber": "<routing-number>",
  "routing_number": "<routing-number>",
  "accountType": "checking",
  "bankName": "Pathward, National Association"
}
```
Read savings enrollment and APY
GET /v1/reserves/overview openbanking
Reports savings enrollment, availableBalance and the APY displayed by the savings setup and dashboard screens, including the not-enrolled state.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- savings
- apy
- accountType
- availableBalance
```
GET /v1/reserves/overview HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "savings": true,
  "apy": 0.0,
  "accountType": "savings",
  "availableBalance": 125.0
}
```
Read loyalty points balance
GET /v1/rewards/points openfinance
Returns the Rewards-tab points snapshot with availablePoints, pointsAmount and redemptionOptions for the redemption flow.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- availablePoints
- available_points
- pointsAmount
- points
- redemptionOptions
```
GET /v1/rewards/points HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "availablePoints": 1200,
  "available_points": 1200,
  "pointsAmount": 1200,
  "points": 1200,
  "redemptionOptions": [
    "statement_credit",
    "gift_card"
  ]
}
```
Generate in-store load barcode
POST /v1/cash-loads/codes openbanking
Generates the barcode displayed for an in-store cash load, linked to barcode_transaction_mapping_id and expiresAt; the app also supports cancelling a generated code.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- barcode
- barcode_transaction_mapping_id
- expiresAt
- account_id
```
POST /v1/cash-loads/codes HTTP/1.1
X-Ns-Access_token: <session-token>
X-XSRF-TOKEN: <xsrf-token>
Content-Type: application/json

{
  "account_id": "<debit-account-id>"
}
```
```
{
  "barcode": "<cash-load-barcode>",
  "barcode_transaction_mapping_id": "<barcode-mapping-id>",
  "expiresAt": "2026-11-01T18:15:00Z"
}
```
Check P2P send eligibility
GET /v1/transfers/participant-status openbanking
Checks whether Send Money can start from the debit-account screen; eligibility must be true before the P2P transfer and counterparty-resolution flow can proceed.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- eligibility
- status
```
GET /v1/transfers/participant-status HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "eligibility": true,
  "status": "ELIGIBLE"
}
```
Read Credit Builder secured-card account
GET /v1/credit-lines/secured openfinance
Loads the Better Credit / Credit Builder secured-card account with enrollment status, account_id and the available credit limit shown during setup and account use.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- enrollment
- availableCredit
- available_credit_limit
- account_id
```
GET /v1/credit-lines/secured HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "enrollment": "ACTIVE",
  "availableCredit": 250.0,
  "available_credit_limit": 250.0,
  "account_id": "<secured-credit-account-id>"
}
```
Load dashboard tiles
GET /v1/overview/widgets openbanking
Loads Home-tab tiles for debit-account and prepaid products, available balances, and feature flags such as overdraft and esign that control the Next Steps prompts.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- tiles
- dda
- prepaid
- availableBalance
- available_balance
- featureFlags
- overdraft
- esign
```
GET /v1/overview/widgets HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "tiles": [
    {
      "dda": true,
      "prepaid": false,
      "availableBalance": 284.75,
      "available_balance": 284.75
    },
    {
      "featureFlags": {
        "overdraft": true,
        "esign": true
      }
    }
  ]
}
```
List Payback Rewards offers
GET /v1/rewards/merchant-offers openfinance
Supplies Cash Back & Offers / Payback merchant offers with offerId, merchantName, activation state and availability, alongside promoted offers and the rewards overview.
Auth: Signed-in session token in the X-Ns-Access_token header, issued after username/password sign-in and an out-of-band oobaCode when challenged. Mutating requests also send X-XSRF-TOKEN.
- offers
- offerId
- merchantName
- activated
- status
```
GET /v1/rewards/merchant-offers HTTP/1.1
X-Ns-Access_token: <session-token>
Accept: application/json
```
```
{
  "offers": [
    {
      "offerId": "<offer-id>",
      "merchantName": "Sample Pharmacy",
      "activated": false,
      "status": "AVAILABLE"
    }
  ]
}
```

Where teams use this data

Payroll and benefits Direct Deposit
Payroll and SSA/VA benefit files can bind the Pathward routingNumber and accountNumber from the debit account, then watch availableBalance and postedBalance after an early deposit posts.
Card-lifecycle operations
Issuing desks track virtual-card lastFour, nickname, locked and cardStatus, and only reveal pan/cvc after a CVC step, so replacements and Google Wallet tokens stay in sync with the live card list.
ACH funding reconciliation
Treasury bots list Plaid-linked banks by institution_id, mask, subtype and bank_link_id, then match inbound ACH against the debit ledger's transactionAmount and merchantName.
Loyalty and Payback ledgers
Rewards ops read availablePoints and pointsAmount beside Payback offerId rows so cash-back activations and point redemptions can be posted without scraping the Rewards tab.

Frequently asked questions

What identifiers support Direct Deposit reconciliation?

The deposit details include accountNumber, routingNumber, accountType and bankName for the Pathward account. Dashboard availableBalance and ledger postedBalance can be compared with transactionAmount and pending to check whether a payroll or federal-benefit deposit has posted. Account and routing identifiers require authorized handling.

Can the data distinguish virtual-card lock state from the spendable balance?

Yes. Virtual-card records include card_id, lastFour, nickname, locked, cardStatus and virtualCard, while the dashboard carries availableBalance. These fields support card-lifecycle tools without treating a balance change as a card-status change; annual and active-card limits apply in the app.

What fields describe external banks linked for ACH funding?

Linked-account records include bank_link_id, institution_id, bankName, accountName, accountType, mask and subtype. These fields identify the external checking or savings account for funding reconciliation. Person-to-person sending uses a separate eligibility and status record.

Are these examples a public Netspend API, and how is account access protected?

No. The paths and request/response examples on this page are synthetic illustrations of account-data relationships, not production Netspend interfaces or a public Netspend API. They do not grant access to any account. An integration must have appropriate account-holder authorization and protect identity, bank and card information. Username/password sign-in may require an out-of-band oobaCode; the session token is carried in a token header, and mutating requests also use an anti-forgery token. Full pan and cvc disclosure has a further CVC verification step, and those values are not part of the ordinary virtual-card listing. The examples use placeholders rather than usable credentials or card numbers.

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More Banking apps

Topics

Netspend API
Netspend debit account data
Pathward prepaid debit
availableBalance
Direct Deposit routing number
virtual card lastFour
Plaid ACH bank_link_id
Netspend loyalty points
Credit Builder available_credit_limit
US prepaid debit data

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Netspend DDA, prepaid card and ACH data

Screenshots

API surface

Sign in with username and password

Load signed-in profile

List debit-account transactions

Read card-owner CIP profile

List virtual cards

Reveal card PAN and CVC

List Plaid-linked external banks

Read Direct Deposit routing and account numbers

Read savings enrollment and APY

Read loyalty points balance

Generate in-store load barcode

Check P2P send eligibility

Read Credit Builder secured-card account

Load dashboard tiles

List Payback Rewards offers

Data categories

Where teams use this data

Payroll and benefits Direct Deposit

Card-lifecycle operations

ACH funding reconciliation

Loyalty and Payback ledgers

Frequently asked questions

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Need this app's data API integrated?

Netspend DDA, prepaid card and ACH data

Screenshots

API surface

Sign in with username and password

Load signed-in profile

List debit-account transactions

Read card-owner CIP profile

List virtual cards

Reveal card PAN and CVC

List Plaid-linked external banks

Read Direct Deposit routing and account numbers

Read savings enrollment and APY

Read loyalty points balance

Generate in-store load barcode

Check P2P send eligibility

Read Credit Builder secured-card account

Load dashboard tiles

List Payback Rewards offers

Data categories

Where teams use this data

Payroll and benefits Direct Deposit

Card-lifecycle operations

ACH funding reconciliation

Loyalty and Payback ledgers

Frequently asked questions

Related apps

Apps similar to Netspend

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Need this app's data API integrated?