Dave Reviews
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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.
- 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
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- 4,902,084 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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 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.
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Reviewed March 31, 2026
I use to like the Dave App. It got me through some rough times. Being disabled and on low income sometimes you have borrow money to get you back on track. It was so easy to use and you can set your pay date and the settlement would come out on your pay date. Now they went to this AI and messed it all up. Now my settlement date is the 1st and my pay date is the 3rd. I have .58 cents in my account. I was told because there is not $5.00 in my account that it will not try to withdraw until there is money. But I have been reading that this is a lie. People are stating that its withdrawing even if there is no money in the bank. Once I get this issue fixed I will be deleting my Dave App account and never going back. I suggest people stop using it as well.
Reviewed March 29, 2026
Dave is a scam! They were good at first then they take money out of your account before due date without approval. They have left me broke with no money for groceries for myself and child. And don’t care! I am extremely angry and I can’t get any answers. I am finished! They just take your money out without approval before settlement dates! Do not use Dave! Never again.
Reviewed March 26, 2026
No I can't be a customer because they refused to let me use my own phone number that I have had over 2 years. They decided to use the previous owner Bob ** to my phone number as the person asking for a cash advance. They even charged my bank account to take out membership fees using Bob ** as the person who had my bank account. It was simple to just remove Bob ** from my phone number but no they didn't want to do that.
Reviewed March 17, 2026
I had a terrible experience with Dave’s app after they unexpectedly changed my direct deposit information, including both my routing and account numbers, without clear authorization. Trying to get in touch with customer support has been incredibly frustrating, as they are nearly impossible to reach when you actually need help. I’ve been left struggling to figure out how to recover my money, which has caused a lot of stress and concern. Honestly, the whole situation feels like potential bank fraud, and I strongly recommend avoiding this app because it comes across as a total scam.
Reviewed March 11, 2026
They changed limits without an heads up and held my funds for longer than supposed to and doesn't really care about their customers and now because I confronted them they changed my limit to a very low amount and then wants to tell me I'm being unreasonable.
Reviewed March 11, 2026
Dave has the worst customer service I've ever seen there. Are people are incompetent. Yeah Dave is a horrible app. I highly recommend not using it. It's horrible. Do not use Dave. Dave is horrible. They should be put out of business. They're horrible horrible horrible horrible. I wish I can give them a -5 points.
Reviewed Feb. 24, 2026
Dave settled my account a few days before the due date causing an overdraft. They weren’t even able to settle the whole amount because obviously my funds were limited. I contacted customer support and they were really unhelpful even blaming me for the issue. They said because I received a recent deposit from the IRS the “system“ detected it and submitted the early settlement request. Then they disconnected the conversation. I will definitely no longer be using that service.
Reviewed Feb. 22, 2026
I have never been subjected to this type of "customer service" in my entire adult life, and I do not want anyone else to have to deal with the rudeness, insults, and ineptitude. It is absolutely clear and glaringly obvious that the customer gets zero respect from Dave. I spoke with 6 agents, back to back, with no resolve AND 1 accused ME of fraud!!! I saved my transcripts. That didn't matter. I also experienced very shady guidelines and a lack of transparency. And continual upsale practices. I think cash advances are not a first resort, but don't let Dave be even a last resort. They made me feel like a total loser.
Dave Company Information
- Company Name:
- Dave
- Website:
- dave.com