It might take a few more seconds than that but it's completely possible.
NetSpend is a pre-paid debit card that has been in business since 1999. The prepaid debit cards is extremely competitive so it's not uncommon for a company to offer incentives to pick them. This $20 referral bonus is that incentive.
How do you get the $20? It's easy
1. Sign up with this link and if they ask, make sure to use the referral code 8077978099. Without the code, you won't get your $20 bonus. The signup process took just a few minutes.
2. Wait for the card. They recommend you Activate your Card before you do anything else, just in case there's a problem.
3. Transfer $40 into your account. ( **NOTE** This is your money that you are moving)
There are several ways to transfer funds but PayPal or a bank transfer do not have a transfer fee. I went with PayPal. Within a couple days (mine was there the next day), you'll see the bonus appear. $60 EASY!
4. Spend the money. It's a pre-paid card so there are fees. There's no monthly fee on the “Pay As You Go Plan” but you will pay $1 per Signature Purchase Transaction or $2 for a PIN Purchase Transaction. You can also make an ATM withdrawal but that costs $2.50 per withdrawal.
When spending the money, you have to remember your spendable balance is $1 less than your total. So I have $60 on the card but any transaction above $59 will be rejected.