NetSpend Account Opening Requirements
NetSpend does not require a Social Security Number (SSN) to open an account. You are only required to enter your name, address, and email address. This is what distinguishes NetSpend from traditional card providers. SSN is not needed because the NetSpend account has been paid in advance by the card owner, so violations are rare.
The only problem is that cardholders register NetSpend Overdraft Protection service, have a large negative balance and do not pay within the specified timeframe, then the NetSpend has the right to send information to the collection.