Dave: Fast Cash & Banking

Dave, Inc

About this app

Take your finances to the next level with Dave. You can pocket up to $500(1), get your cash instantly(2), save on fees, and so much more.

GET $500 IN 5 MINUTES OR LESS(1)
Remove extra stress with an ExtraCash™ advance up to $500. There’s no credit check, interest, or late fees.

For more information, please visit dave.com/extra-cash-account.

EXTRACASH™ 101
The ExtraCash™ account offers the ability to get an ExtraCash™ advance up to $500 when you’re in a pinch.(1) The amount of money you can take (aka, your eligibility) refreshes daily. We use several data points—including your income history, spending patterns, and at least 3 recurring deposits—to determine your eligibility. When you take an advance, you’ll agree to a settlement date to pay your outstanding balance.

ACCESS YOUR CASH INSTANTLY(2)
You could get up to $500 when you download Dave, link a bank account, open your Dave accounts, and transfer it to your Dave Checking account. And with your Dave Debit Mastercard®, you’ll be shopping in no time.

EARN 4.00% APY(3)
Grow your cash with our high annual percentage yield. Just add money to your Dave Checking or Goals account to start earning.

GET PAID EARLY
Receive your paycheck up to 2 business days early when you set up direct deposit.(4)

SAY GOODBYE TO PESKY FEES
Don’t worry, we’ll never hit you with hidden fees. You can even skip ATM fees at 38K+ MoneyPass ATMs.(5)

SAVE EFFORTLESSLY
A vacation, down payment, or brighter future—own your savings journey with a Goals account. You can even set up recurring deposits to build your savings steadily.

MAKE MONEY ON THE SIDE
Explore our Side Hustle board and easily apply for part-time roles, gig jobs, remote work, and more. Or take Surveys that pay out instantly to your Dave Checking account.

OUR MEMBERSHIP FEE
There’s a small monthly membership fee that gives you full access to our suite of features, including ExtraCash™, Goals, and Surveys—another way to earn cash instantly.

HAVE MORE QUESTIONS?
Send us an email at [e-mail].

Disclosures related to the Dave app

1-Deposit accounts are provided by a partner bank, which is FDIC insured, identified in the account agreement. The bank will determine overdraft eligibility considering factors such as your transaction and deposit history. Overdrafts cause the ExtraCash Account to have a negative balance, repaid under the account Balance Settlement feature, and may include service and/or express fees. See your Fee Schedule for details. Maximum single advance transfer amounts may apply. The average advance is $170 (updated quarterly based on the prior 6 months). See the Dave ExtraCash™ Deposit Agreement and Disclosures for details. Enrollment and initial qualification typically completed in 5 minutes.

2-Express fees apply to select instant transfers.

3-Rates accurate as of 10/01/2024. The interest rates and annual percentage yields (APY) are variable and may change at any time at our discretion. No minimum deposit or minimum balance requirements. Fees could reduce earnings on the account.

4-Early access to direct deposit funds depends on timing and availability of the payroll files sent from the payer. These funds can be available up to 2 business days in advance of the scheduled payment date.

5-Out of network fees may apply.

General Terms
See the Dave Checking Deposit Agreement and Disclosures, Dave Goals Deposit Agreement and Disclosures, and the Dave ExtraCash™ Deposit Agreement and Disclosures for account terms and fees.

Dave is a technology company, not a bank. Deposit accounts are provided by a partner bank, which is FDIC insured and issues the Dave Debit Card through a license from Mastercard®, identified in the account agreements.

All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind. Physical address: 1265 S Cochran Ave, Los Angeles, CA, 90019.

Ratings and reviews

Update: Dave.. I'm not going to continue paying the membership fee if I can't t use membership services!! My owed balance is zero. I haven't really had much issue using this app, but right now I'm pretty annoyed. I've always paid on time, no question. I have also paid the membership fee too. How is it that after payments without missing a beat, and paying the monthly membership fee, you just randomly decide I'm not eligible for an advance.

It works overall. They are very predatory in their language about things such as setting up cash advance and other features. I would not call them a scam, but they use all the carnival trick. Makes sure you read everything as to not disappoint your self, when you realize you do not qualify. The biggest reason I gave it three. Nearly just two stats. The surveys offered do feel like a scam. You get sent on wild goose chases a portion of the time. Like directly about the estimates time to complete.

Do not believe what the app says about figuring out your payday, not debited your account if it's not in there, or debiting the next Friday. I have been paid the last day of the month for over a year and Dave chose to debit a loan repayment 2 days before my payday, putting my bank account over 400 in the negative. I was apprehensive about it because of the date but for some dumb reason trusted that it wouldn't debit the full amount until I actually got paid. Stick with other apps.

What's new

Bugs were squashed. Code was improved. Bears were hugged. This was a good week. Well, maybe not for all those bugs. But whatever.

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.

As always, if you run into any issues, please visit https://support.dave.com/