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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

MoneyLion vs Cash App

MoneyLion 4.8★ · Free to download 60
Winner Cash App
Cash App 4.8★ · Free to download 75

Cash App is generally preferred for its core money transfer and banking features, despite some recent issues, while MoneyLion is better for those specifically seeking cash advances and credit-building tools.

Full reviews: MoneyLion · Cash App

Cash App excels in ease of use for sending and receiving money, with many users appreciating its intuitive interface and fast transfers. MoneyLion, while helpful for cash advances and financial management, faces significant criticism regarding customer service, account access, and hidden fees.

Head to head

Features & Offerings edge: MoneyLionR2R6R14R17
MoneyLion MoneyLion is praised for its cash advance feature, helping users with unexpected expenses and building credit R14R17R24. It also offers tools for saving and investing R2. However, some users report issues with advance amounts changing without warning and misleading offers R6R31.
Cash App Cash App is widely used for sending and receiving money quickly to family and friends . Users also appreciate its banking features and organization . Some users express interest in overdraft or borrowing money features .
Ease of Use edge: Cash AppR4R5R8R11
MoneyLion Many MoneyLion users find the app easy to use and navigate R5R8R11. However, some report difficulties adding credit cards or linking accounts R4.
Cash App Cash App is frequently described as very easy and intuitive to use, with a fluid interface . Users appreciate how simple it is to send money and navigate the menu .
Reliability & Account Access tieR16R33R45R49
MoneyLion MoneyLion users report significant issues with account access, including being unable to log in after getting a new phone, inability to reset passwords, and accounts being deleted without consent R16R45R49. Some also complain about direct deposits not arriving as expected R33.
Cash App Cash App users experience frequent problems with logging in, getting stuck on sign-up screens, or being unable to access their accounts after updates . A recurring and severe issue is accounts being deactivated or banned without clear reason, often attributed to AI algorithms R79.
Price & Value tieR23R27R31R35
MoneyLion MoneyLion users mention fees for cash advances, such as $7.99 per transaction for amounts over $100, which can add up R39. Some users were charged monthly membership fees without receiving services or being able to cancel R31R35. There are also complaints about rewards not being paid out R23R27.
Cash App Cash App users report unexpected fees, such as international fees on domestic transactions . Many users are concerned about scams and fraud, leading to loss of money .
Customer Support tieR4R7R13R16
MoneyLion MoneyLion receives extensive criticism for its customer service, with users reporting long hold times, unhelpful representatives, inability to resolve issues, and difficulty deleting accounts R4R7R13R16. The chat support is often described as useless R55.
Cash App Cash App users frequently complain about a lack of help, especially when trying to reset pins, resolve login issues, or understand account deactivations R87. Many feel there is 'no help' available for their problems R87.
Pick MoneyLion if

Pick MoneyLion if you primarily need quick cash advances to bridge gaps between paydays and are looking for tools to help with saving and credit building R14R17R24.

Pick Cash App if

Pick Cash App if you need a straightforward and fast way to send and receive money with friends and family, and appreciate an intuitive user interface .

Evidence note: Both apps are free to download, and much of the negativity for both stems from issues with account access, customer service, and unexpected charges or deactivations. Cash App has a significantly larger user base, which naturally leads to a higher volume of both positive and negative reviews.

Frequently asked

Can I get cash advances with MoneyLion?
Yes, MoneyLion offers cash advances, with users reporting advances from $25 up to $700, which can be received quickly R14R24. However, some users note that advance amounts can change without warning and there may be fees, such as $7.99 per transaction for amounts over $100 R6R39.
Is Cash App reliable for direct deposits?
While many users successfully use Cash App for receiving money, some reviews indicate issues with direct deposits, with one user stating, "It’s all a lie do not switch direct deposit over! They have ZERO HELP ITS ALL A LIE!" R87. There are also reports of accounts being deactivated without clear reasons, which could impact direct deposits R79R105R115.
How is customer service for MoneyLion and Cash App?
Both MoneyLion and Cash App receive significant criticism for their customer service; MoneyLion users report long hold times, unhelpful representatives, and difficulty resolving issues or deleting accounts R16R19R53R55, while Cash App users frequently complain about a lack of help for login problems, pin resets, or account deactivations R87.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] MoneyLion 5/5 · US The Best: I love this app. It has given me a new perspective on how to save and invest money
  2. [R6] MoneyLion 3/5 · US Keeps changing my amount: I’ve had this account for awhile and had an advance of almost $700-nothing changed and they dropped my advance to $350. Don’t like this can happen without any warning or notice.
  3. [R14] MoneyLion 5/5 · US Review: This app has helped me so much with keeping up with my bills you get the advance fast it also has other sites you can download to help also to help build your credit it is amazing
  4. [R17] MoneyLion 5/5 · US Great App: I am very satisfied with my MoneyLion app. It is user-friendly and has helped me get through some tight times between pay days. It also helped me find a loan quickly and we were able to get some home repairs done.
  5. [R4] MoneyLion 1/5 · US Worst app: Don’t allow me to add my credit card which has the same name and user as my bank, called customer service and they couldn’t help me
  6. [R5] MoneyLion 5/5 · US So Convenient!!: So easy to find, access and use!
  7. [R8] MoneyLion 5/5 · US Wonderful: MoneyLion is wonderful and super easy to use. They always come through for me
  8. [R11] MoneyLion 5/5 · US Lovemykids: I just started the program and so far I enjoy the app.
  9. [R16] MoneyLion 1/5 · US Unprofessional & Incompetent: I had the app for a few months, then got a new phone. Went to log in again and got a message saying “Oh snap! Looks like we’ve hit a snag!” When I called customer service it took them a few days of me calling back every day for them to have me answer a list of three questions and then was told that they would have their ”account technician” look into it and they would
  10. [R33] MoneyLion 1/5 · US Spend account my direct deposit what is going on?: I have worked at my job for over a year now I have switched my bank account probably three times I know that’s more than normal, but I have my reasons but every time that I switch or every bank account I’ve had in the last year I have got my direct deposit between 735 and 740 on Wednesday night my direct deposit is supposed to be for Friday but ev
  11. [R45] MoneyLion 1/5 · US I have been trying to reset my acc: You guys won’t send the email to reset my account I try and make a new one it says I have one already I can’t remember the password it says to send a reset one and I have waited for 4 weeks no email this app is horrible
  12. [R49] MoneyLion 1/5 · US Can’t access: I signed up and now I can’t access my account. This is my first time dealing with them. I never got a chance to use the sight or see what I could accomplish with them. So one is my rating for them.
  13. [R23] MoneyLion 1/5 · US Robbery: This application does not work they steal your rewards money. They won’t accept your identity they reject your application status and then they delete your account so they can steal your rewards. Thats not right!!! I hope they go bankrupt.
  14. [R27] MoneyLion 2/5 · US Bobbie Williams: I haven’t won anything. I think this app money lion is full of lies and scams! I’ve did everything the app asked me to do and I still haven’t won anything! I’m supposed to pay next month for another year! I’m wondering if it’s worth my time!😡😡😡😡
  15. [R31] MoneyLion 1/5 · US Misleading: I did apply, Said i qualified for 1,000 dollar but then for some reason it was only 125 which i never received or used and wanted to charge me a monthly membership ship plus almost 34 or 43 dollars for repayment. I spoke to two different people to explain the situation and telly hem to cancel. Neither one wanted to and said i had to wait three working days.” My point is i never got a
  16. [R35] MoneyLion 1/5 · US SCAM: THIS IS THE MOST SCAM APP OUT THERE, they did not let me cancel for more than 3 months and they charged me fees i did not even know existed
  17. [R7] MoneyLion 1/5 · US Delete Account: Refused to allow me to delete the account even when I didn’t get any money nor added any money.
  18. [R13] MoneyLion 1/5 · US They are scammer: I called them to have a account deleted because someone was using my identity and they keep playing games with me
  19. [R24] MoneyLion 5/5 · US Best app: This app has genuinely helped me pay for expenses when I didn’t have my paycheck yet. I’ve paid back each cash advance I’ve borrowed from MoneyLion for about 6 months now, started from a $25 advance and I am now up to a $275 cash advance if I need it.
  20. [R39] MoneyLion 1/5 · US Not worth it: Theres a fee for every 100.00 you advance. Not worth it.
  21. [R79] Cash App 1/5 · US Deactivating acct: Deactivating my account for no reason. I read the whole “terms of service” they were saying that I violated and NONE. Nothing there was violated. I only use my cashapp as an autopay for discord and purchase on steam. I made an appeal but still nothing. No further explanation. Nothing.
  22. [R87] Cash App 1/5 · US Lies!: It’s all a lie do not switch direct deposit over! They have ZERO HELP ITS ALL A LIE!
  23. [R105] Cash App 1/5 · US Banneds yu for no reason: Cash app was my only way of income as a teen I do yard work daily my account ended up getting banned for no reason saying I have violated the terms and conditions when i haven’t. I was getting paid daily from doing yard work now I’m banned and got to figure out another way to make my income as a teen. it was also hard to get the money dat I had left on it. this app is mad
  24. [R115] Cash App 1/5 · US Delete Cash App: Closed my account without providing direct reason other than generic response. Filed appeal with them to re-open account. Never heard back about the appeal decision but did receive emails they sold all of my stocks. No heads up, no decision on appeal to delay this. Terrible process, will never use this app in future and have already let others know about what occurred.
  25. [R19] MoneyLion 1/5 · US NIGHTMARE!!: This app is a total nightmare!! First of all, they don’t tell you that the funds will be added to their card. Secondly, if you want to transfer the funds to your account, it will take 2-4 BUSINESS days. I did not read anything on there that says so. Called customer service and couldn’t understand the girls accent. Horrible experience!!! Just want to pay it off and close this account!!
  26. [R53] MoneyLion 1/5 · US Hate it: Worst app to use. The chat team make excuses while your sitting in the chat saying your not responding after I have messages after messages. There is no number to call customer service. Just very poor customer service!!!! I won’t use this app I don’t advise anyone to use this app.
  27. [R55] MoneyLion 1/5 · US CHAT IS USELESS: The chat option has not worked for a week and no one’s doing anything about it You ask a few questions and then they start acting like you’re not responding despite responding multiple times and they only answer what they want to answer I have each/every every screenshot “AGENTS” Marvs Josh Jacob MICHALLA Jason Paul Nicole Mykee Absolutely useless I think they are playing

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store