Dave Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
+1 more
About Dave
Dave is a mobile app-based banking solution with a $1 per month membership fee. Members have access to a spending account, a debit Mastercard, no-fee cash advances up to $250, credit-building tools and an automatic budgeting feature. Customer service is available by chat six days a week and by phone seven days a week. Ten million people use Dave for banking, according to the company.
Visit dave.com- Easy to sign up
- Free rent and utility payment reporting
- No-interest advances up to $250
- Early direct deposit funds
- Membership fee
- No savings account option
What is Dave?
Dave is a fintech company that partners with Evolve Bank & Trust to offer a spending account, a debit Mastercard and other services to members who pay a $1 monthly fee. As a Dave member, you can withdraw money at no charge from any MoneyPass ATM, get up to $250 in cash advances with no fees and build your credit history through rent and utility payments.
The Dave app launched in 2017 with a goal to “level the financial playing field,” according to the company. It has no minimum account balance and charges no overdraft fees. Members also benefit from early access to direct deposit funds, an automatic budgeting tool and the “Side Hustle” job search feature.
How does Dave work?
You can sign up for Dave using the mobile app, available on Apple and Android devices. To qualify, you must be at least 18, have a physical address in the U.S. and have a valid Social Security number or Tax Identification Number. You enter your full name, phone number and email address, and Dave runs a security check. No credit check is required.
There is no minimum deposit required to open a Dave spending account. There's also no minimum balance requirement to keep a Dave account open. As a member, you pay a fee of $1 per month for account monitoring, budgeting features and notification services.
Dave services
Dave’s primary services are a demand deposit account — another term for a checking account — and a debit Mastercard. Other features from Dave include:
- Cash advances: Cash advances of up to $250 are available to qualified Dave members. When you request an advance, you select an automatic payback date, which should be your next payday. No credit check is required, and Dave doesn’t charge interest on advances.
- Credit building: Dave partners with LevelCredit to report rent and utility payments to the credit bureaus to help you improve your credit score. This service is free for members who set up direct deposits.
- Budgeting: Using the app, you can add expenses, view your budget and see “Yours to spend” predictions. Dave can text you if a bill is going to put your monthly budget in danger.
- Side Hustle: Dave can help you find opportunities to make extra money. You can apply for local jobs directly online.
- Early direct deposit: Depending on your employer’s payroll policies, you may be able to access your paycheck up to two days early.
Dave prices
Dave membership costs $1 per month. The checking account has no minimum balance and no overdraft fees. You can withdraw money free from any MoneyPass ATM; there's a $2.50 fee for withdrawal from an out-of-network ATM and a 3% fee on withdrawal from a foreign ATM. Dave also charges 1% of the transaction amount for Apple Pay, Google Pay and debit card transfers.
Cash advances are free if you choose standard delivery (up to three business days), but you can pay an expedited fee to get the money within eight hours. This fee ranges from $1.99 to $5.99, depending on the advance amount.
Credit building through LevelCredit is free for Dave members who set up direct deposits that occur at least twice a month for a combined monthly amount of at least $1,000.
Dave FAQ
What bank does Dave use?
Evolve Bank & Trust holds all Dave member deposits and issues Dave debit cards.
Is Dave FDIC-insured?
Yes, Evolve Bank & Trust, which holds deposits, is FDIC-insured.
Does Dave affect your credit?
A credit check isn’t required to open a Dave account. Dave can actually help you build credit by reporting your rent and utility payments to the credit bureaus. This service is free if you set up qualifying direct deposits.
How do I cancel Dave membership?
You can cancel your Dave membership by contacting the company by chat (using the app) or by calling the phone number on the back of your debit card.
Still have questions?
Is Dave legit?
Dave is a legitimate option if you’re interested in mobile banking. It partners with Evolve Bank & Trust, an FDIC-insured institution. For a fee of $1 per month, you have access to a spending account, a debit Mastercard, free cash advances and credit-building and budgeting tools. Signing up is easy and doesn’t require a minimum deposit. We recommend reading over Dave’s terms and policies first so you fully understand how membership works.
Dave Reviews
Filter by Rating
- (3)
- (2)
- (9)
- (107)
Popular Mentions
- 4,928,974 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,928,974 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed July 23, 2026
I have liked the Dave app, it has been easy to use and the chat feature is very helpful. They are very responsive too, they were going to take a cash advance out before I got paid, I called and they changed it to my payday with no problem. When I get a cash advance, I do immediate cash put in my Dave account. There is a cash advance fee. But I dont think its excessive. Dave is a great emergency resource. Im not crazy about paying a monthly fee, but it is much cheaper than the other cash advance apps I looked at. It's 3.00 a month, others were much higher. One was up to 15.99 a month!
Reviewed July 12, 2026
Have been using Dave for years and haven't had any issues, if I needed my payback date changed I just emailed and it was done, the only thing about cash advances is you use your next check to cover it and then you take another one and so on. Yet it is nice knowing if you need money in a pinch, it's there. The longer you use the app the higher the cash advances get (depending on your paychecks) and that's where you can get stuck. And there is a savings account to use, which you can have several if saving for a car or furniture etc. In short, I like Dave, have had no issues and will keep using it for now.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed May 4, 2026
I love the Dave app. For the tiny fee of $5 you get comfortable knowing there is emergency money in minutes and only a tiny fee if you have to use it.
Reviewed July 30, 2026
I have used Dave for the past couple of years and have taken out and repaid several advances. My main issue is the timing of Dave’s automatic payment system. Dave attempts to withdraw the repayment in the morning, but my employment direct deposit arrives later in the evening. Because of this, I have always had to make my payment manually on the actual due date. Even though I pay it that same day, it appears as though my payment is late. Dave states that customers are not penalized for late payments and that no late fees are charged. However, I have noticed that my next advance offer is sometimes considerably lower after this happens. That certainly feels like a penalty, even when the payment was made on its due date.
Today, the app would not allow me to make the payment manually at all. I contacted customer service through both text chat and a phone conversation. I was told that the system would eventually withdraw the payment, possibly by the next morning. I do not think it is fair for Dave to say customers can pay early or manually when the app will not allow a payment to be made after the automatic withdrawal attempt fails.
I have never had one of my advances successfully repaid through autopay because of the timing of my direct deposit. I have always had to pay manually. This current issue has also placed me in a financial bind because I was depending on being able to repay the advance and possibly access another one. Dave needs to provide customers with more control over their repayment time, allow manual payments on the due date, and make sure customers are not negatively affected when their paycheck arrives later in the day.
Reviewed July 15, 2026
Absolutely horrible, I had made a new account then they deleted that account. Tell me that I had an account with them when I didn’t have an account with him. I’ve been trying to contact them for two weeks without hearing anything back from customer service but they’re still sending me advertisements that I have money to cash out. It is a total scam. Do not waste your time. Do not waste your energy. They’re just trying to screw you over one of the worst apps out there.
Reviewed July 15, 2026
Unable to leave less than 1 star. Customer service is terrible. I made a dispute that caused my account to be locked and blocked a payroll deposit that my company has not been returned to. There is no one to speak with and the fees are outrageous. Saddens me that you could block someone from their own funds, cause irreparable damages monetarily, and still operate in modern times. AVOID AT ALL COST.
Reviewed July 10, 2026
I have direct withdrawals pending for tomorrow. 4 of them! Dave took money at 1am and my fiancé's payrolls check won’t be deposited until after 3. Now I am going to get hit with 4 overdraft fees. $140.00 worth. Don’t use Dave, I borrowed the money for those bills! If I wanted to overdraft I wouldn’t have borrowed what I needed. WTF are you taking money out for before a deposit is made?!
Reviewed June 30, 2026
This company is so sad. Please run. They have locked my husband account for 2 weeks now. We have kids and bills and can't never talk to anyone when you call. I have been with them for 5 years now and this is the saddest shit I haven't seen. I refer a total of 10 people, and they all have closed their account behind this, and we hired a lawyer as well for this sorry ass bank. Never would we ever deal with them again.
Reviewed June 29, 2026
Don’t use them. They put my account on hold for security reasons. They won’t answer the phone nor will they email me back after I done verified my account. I have been left without my money since June 24. I'm real going thru it cause I need the money out my account. I feel this is illegal. I just wanna break down and cry.
Reviewed April 25, 2026
I would recommend anyone considering Dave to think twice before downloading. Even if you don’t accept any of their offers and decide to close your account, you may still be charged a subscription fee. That was my experience, and it was frustrating to be billed for a service I didn’t actually use. Make sure you fully understand the terms before signing up so you don’t run into unexpected charges.
Dave Company Information
- Company Name:
- Dave
- Website:
- dave.com