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

Cash App vs Dave

Cash App 4.8★ · Free to download 65
Winner Cash App
Dave 4.8★ · Free to download 55

While both apps offer quick access to funds, Cash App is generally preferred for its broader range of features and ease of use, despite significant customer service and account suspension issues, whereas Dave is better for those primarily seeking cash advances with predictable repayment, but it struggles with inconsistent advance limits and aggressive collection practices.

Full reviews: Cash App · Dave

Cash App and Dave both provide easy access to money, but user reviews highlight different strengths and weaknesses. Cash App is praised for its simplicity and diverse features like savings and investing, though it faces severe criticism for customer service and account issues. Dave is valued for its cash advances, but users report problems with inconsistent limits, unexpected fees, and aggressive repayment collection.

Head to head

Features edge: Cash AppR7R9R21R22
Cash App Cash App offers a variety of features beyond simple money transfers, including savings, investing in stocks and Bitcoin, and a debit card R22. Users appreciate the ability to manage different financial aspects within one app . However, some users report issues with micro-transactions from unknown companies R9 and difficulties with the loan feature R7R21.
Dave Dave primarily focuses on cash advances and budgeting tools . Users find it helpful for emergencies and managing expenses until payday . Some users also note a high-interest savings feature . However, the app is criticized for inconsistent advance limits , charging fees for advances R64R98, and not allowing users to draw the full approved amount at once R64R98.
Ease of Use edge: Cash AppR3R5R8R17
Cash App Many users find Cash App easy, simple, and convenient to use for sending and receiving money R3R5R8. Activating the card is also described as fast and easy R17. Some initial confusion with the user interface regarding stocks and savings is mentioned, but users found it understandable after some research .
Dave Dave is generally considered easy to use for borrowing and repaying cash advances . The process for accessing cash advances and repayment is described as quick and simple . However, some users experience the app locking them out for days or crashing .
Reliability and Trust tieR1R6R13R16
Cash App Cash App faces significant criticism regarding account reliability, with numerous reports of accounts being locked, suspended, or deactivated without clear reasons R1R13R16. Users also report money being stolen R25R35R37 or held for months . Issues with card delivery are also mentioned R6.
Dave Dave users report issues with the app's reliability, including unexpected changes to routing numbers and bank info R70, the app locking users out , and crashes . There are also concerns about Dave taking money out of accounts even when funds are low, leading to overdrafts . Some users also mention being charged a hidden monthly membership fee R108 and issues with large deposits being rejected without notification .
Price/Value tieR4R25R35R37
Cash App Cash App is free to download, but some users complain about being charged for a new card R4. There are also reports of money being stolen or accounts being drained, which negatively impacts the perceived value R25R35R37.
Dave Dave is free to download, but users report a monthly membership fee R108 and charges for cash advances R64R98. Some users feel the value is diminished by inconsistent advance amounts and the inability to get the full approved amount upfront R98. However, others find the fees fair and the service invaluable for emergencies .
Customer Support tieR1R7R10R18
Cash App Cash App's customer service receives overwhelmingly negative feedback. Users describe support as unhelpful, providing AI-generated responses that don't address issues R1R7R33R43. Many report being unable to resolve problems like account suspensions, stolen money, or verification errors R1R7R10R18.
Dave Dave's customer support also receives criticism, with users reporting unhelpful AI chat bots and human agents who ask for information they already have . Some users mention difficulty getting in contact with support or receiving inadequate responses R70. However, some positive experiences with quick responses from support staff are also noted .
Pick Cash App if

you want a versatile app for sending/receiving money, saving, and investing, and are willing to navigate potential customer service challenges R3R5.

Pick Dave if

your primary need is quick cash advances for emergencies and you are comfortable with a subscription model and automated repayment .

Evidence note: Both apps have a significant number of negative reviews, especially concerning customer service and account issues, despite high lifetime ratings. The recent reviews for both apps skew more negative, indicating potential declines in user satisfaction or increased scrutiny of their services.

Frequently asked

Does Cash App charge for a debit card?
Some Cash App users report being charged for a new card, though the app is free to download R4.
Can Dave change my bank information or direct deposit?
One Dave user reported that the app somehow changed their routing number and bank information at their job, causing their paycheck to go to Dave R70.
What are the common issues with Cash App customer service?
Cash App customer service is frequently criticized for providing unhelpful, AI-generated responses that do not address user issues, leading to unresolved problems with account suspensions, stolen money, and verification errors R1R7R33R43.
Does Dave have hidden fees?
Some Dave users report being charged a hidden monthly membership fee R108 and fees for cash advances R64R98.

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. [R7] Cash App 1/5 · US Do NOT use the Loan feature!: Update: I have in fact sent 6 messages to support, and I receive back AI generated response that do not address my issue! It’s a waste of my time! If they screw up your loan and you try to get help the customer service chat or phone number will not help you. They site state regulations as the reason, and will not even discuss Cash App policy regarding loans siting st
  2. [R9] Cash App 3/5 · US Micro transactions: Why are micro transactions from companies that i dont even know coming out of my account?
  3. [R21] Cash App 1/5 · US Scam company: Don’t use them. Especially if they let you borrow money. They take anything you get financially without permission without allowing other options so they just screw you on your bills.
  4. [R22] Cash App 5/5 · US My card: I think Cash App is great because you save money and you can use it when you need it
  5. [R3] Cash App 3/5 · US 3stars: Cash App is easy , and simple to use very secure
  6. [R5] Cash App 5/5 · US Easy and convenient: Doesn’t get any simpler and convenient
  7. [R8] Cash App 5/5 · US I love Cash App: Cash App is amazing I love how they never failed me about my cash and their fair
  8. [R17] Cash App 5/5 · US Activating my card: Fast and Easy
  9. [R1] Cash App 1/5 · US Awful so ridiculous: This app is ridiculous. I tried to transfer money for my store and they couldn’t recognize my ID my drivers license they wanted me to give them a government ID I have been on this earth for 65 years. My license is perfect. It was the most ridiculous hour and a half that I have spent on a chat with CS app I will not ever ever recommend this app to anyone. The money was still n
  10. [R6] Cash App 3/5 · US Didn’t get my card for the 5 time: .
  11. [R13] Cash App 1/5 · US Banned for false suspicion of fraud: Yep the title says it all I got banned/deactivated for false suspicion of fraud like come on I barely use cash app anymore so on to a better app I guess
  12. [R16] Cash App 1/5 · US Why have I been blocked?: I have always used it when traveling overseas so why am I blocked this time ?
  13. [R4] Cash App 1/5 · US Why are you charging people for a card?: I’m not paying you fools for a new card. Smoking crack.
  14. [R25] Cash App 1/5 · US Money Stole: Someone stole 10$ out of my account.
  15. [R35] Cash App 1/5 · US Stole $300: So my boyfriend bought $300 worth of bitcoin on Cash App and whenever he contacted support for it they withdrew $241 from my bitcoin. I contacted support again after and they have no clue where that money went.
  16. [R37] Cash App 1/5 · US Horrible experience: Will take your money do not use
  17. [R10] Cash App 1/5 · US Great App but terrible Customer Service: so some years back somebody hacked my Cash app account and bought a whole bunch of bitcoin with the money I had saved in my Cash app and it did it in a way that caused Cash app to pay. I violated terms of service ban my email address and ban my phone number so I have not been able to use the absence unfortunately no matter what email I created my phone numb
  18. [R18] Cash App 3/5 · US Assumption: For my particular situation they didn’t even look into it or just simply even acknowledge that their system shut me down due to suspicious activity that wasn’t even my activity to begin with which in whole I thought was a bit sus on their end due to the fact a “person” who I did not know randomly sent me money at 1AM and then realized they made a mistake and started requesting the mone
  19. [R70] Dave 1/5 · US What a joke.: They somehow changed my routing number and bank info at my JOB! thus my paycheck went to them! I’ve been freaking out for hours. Called customer service and they told me pretty much “too bad, we can’t cover the transfer fee”. Pos excuse. How did they even change where I get paid? This has never happened to me before with an app. INSANE!
  20. [R33] Cash App 1/5 · US scummy practices: response to developer response: no thanks, i will not be reaching out for “help”. you people literally will just tell me the same thing. i went through four different support agents, and NONE of them had empathy, or even attempted to understand the situation, sending the same exact copy and paste responses. thanks for stabbing me in the back, though. :) will take my business else
  21. [R43] Cash App 1/5 · US Account issue: I was not able to access my old account and was ensured by customer service workers of fixing my account and transferring the information to the new account that they had me create but failed to do so. The technician specialist told to call in an hour was not available to fix this problem. Poor customer service support. Rate: 0 stars
  22. [R64] Dave 1/5 · US Over charge: Dave is great for getting money on the fly, but there are tons of other apps that do it better. Dave may increase your borrow limit but charges 5 bucks for each a draw and Dave won’t let you draw all at once. Other apps do just that and charge way less.
  23. [R98] Dave 1/5 · US This app is trash: They will tell you what your approved amount is but you can only get half of it upfront and the other half after. This will cause 2 different fees. They are scamming people
  24. [R108] Dave 1/5 · US Hidden membership fee.: They charged me 1 dollar membership a month for 2 years without me noticing. 😂

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