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

EarnIn vs Cash App

EarnIn 4.8★ · Free to download 70
Winner Tie
Cash App 4.8★ · Free to download 70

EarnIn is better for users primarily seeking cash advances and early access to earned wages, while Cash App is superior for general money transfers, peer-to-peer payments, and basic banking features.

Full reviews: EarnIn · Cash App

EarnIn focuses on providing early access to earned wages, which users find helpful for emergencies, but faces criticism for customer service and unexpected charges. Cash App is a versatile platform for sending and receiving money, with some users praising its savings features and ease of use, but it struggles with account deactivations and scam reports.

Head to head

Features (Cash Advance/Early Pay vs. General Payments/Banking) tieR5R7R8R15
EarnIn EarnIn users appreciate its core feature of providing early access to earned wages, acting as a 'credit card but an app' for emergencies and tight times between paychecks R5R8R16R22. However, some users report issues with inconsistent availability of funds, reduced borrowing limits, and the app not supporting transfers when an account is in the negative R7R15.
Cash App Cash App is widely praised for its ease of transferring money between people and for paying rent . It also offers features like savings and a debit card, with some users finding it a good way to teach kids about managing money . A few users also mention a loan feature, though one review warns against using it due to customer service issues R100R119.
Ease of Use tieR3R9R14R18
EarnIn Many EarnIn users find the app easy to use and its service simple and seamless R14R18. Some appreciate its ability to accommodate paycheck schedules R3. However, others report difficulties with changing banks, leading to overdraft fees, and issues with the app not refreshing account information promptly R9.
Cash App Cash App is generally considered easy to use for transferring money . However, some users experience significant technical issues like the app not restarting, going to a black screen, or being unable to access accounts due to updates or device compatibility R93.
Reliability and Trustworthiness tieR1R2R6R11
EarnIn EarnIn is seen as reliable by many for timely funds delivery R2R11. However, a significant number of users report issues with unauthorized charges, money being taken from accounts without explanation, and difficulty with payment rescheduling R1R6R23. Some also feel the app does not help as advertised or holds checks longer than stated .
Cash App Cash App users frequently report issues with account deactivation without clear reasons, often citing vague violations of terms of service R76R79R83R93. There are also numerous complaints about scams and the app not refunding money when users are scammed . Some users also report issues with money freezing or incorrect balances .
Price/Value edge: EarnInR6R14R38R50
EarnIn EarnIn charges a fee for immediate transfers and asks for tips, which some users find acceptable and worth it for the convenience R6R14R38. However, some users are confused by the tipping aspect when a fee is already present and feel they pay more back than they borrowed R6R50.
Cash App Cash App is free to download and offers various services. While specific fees aren't widely discussed in these reviews, the value is often tied to its convenience for transfers and basic banking R100.
Customer Support tieR1R10R23R35
EarnIn EarnIn receives significant criticism for its customer service, with users reporting inability to contact support, unhelpful bots, and agents who don't listen or provide repetitive information R1R10. Some users also mention difficulty getting refunds for unauthorized charges despite providing evidence R23R35.
Cash App Cash App's customer service is frequently described as unhelpful, rude, and unresponsive, especially regarding account issues, deactivations, and scam reports . Users report being unable to get issues fixed, transfer information, or receive explanations for account closures.
Pick EarnIn if

you primarily need quick access to your earned wages for emergencies and are comfortable with potential fees and tipping R5R22R38.

Pick Cash App if

you need a versatile app for sending and receiving money, basic banking, and potentially managing money for younger users .

Evidence note: Both apps have a significant number of negative reviews, especially concerning customer service and account issues, despite high lifetime ratings. EarnIn's negative reviews often focus on unexpected charges and customer support, while Cash App's are heavily skewed towards unexplained account deactivations and scam issues.

Frequently asked

Can I get a cash advance with EarnIn?
Yes, EarnIn is specifically designed to provide early access to your earned wages, which users find helpful for emergencies and bridging gaps between paychecks R5R8R16R22.
Does Cash App offer loans?
Yes, Cash App offers a borrowing feature, with one user mentioning being offered over a hundred dollars, but another review strongly advises against using it due to unhelpful customer service regarding loan issues R100R119.
Is customer service good for EarnIn or Cash App?
Both EarnIn and Cash App receive significant criticism for their customer service, with users reporting unhelpful bots, unresponsive agents, and difficulty resolving issues like unauthorized charges or account deactivations R1R10R23R35.
Why are Cash App accounts deactivated?
Many Cash App users report their accounts being deactivated without clear reasons, often receiving vague statements about violating terms of service, and customer service is frequently unhelpful in providing specific explanations or resolving the issue R76R79R83R93.

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. [R5] EarnIn 5/5 · US Great: It’s like a credit card but an app to help u when u need it. Gotta love it.
  2. [R7] EarnIn 1/5 · US Pointless App: This is pointless. If you can’t transfer money when your account is in the negative - what’s the point??
  3. [R8] EarnIn 5/5 · US Saved me: Earnin has came through for me like crazy
  4. [R15] EarnIn 1/5 · US Zero benefits for long term customers: I know now what to expect from earnings app & the un reliability when it comes to having the funds available when I need them to pay bills is something I unfortunately can’t risk. I’ve never payed late but the needle is constantly pushed back, I use to be able to withdraw 1250$ per pay period then they reduced it to 1100$ with zero valid reasons as to why. I
  5. [R3] EarnIn 3/5 · US Exceptional app: So far, so excellent! They changed my due date to accommodate my paycheck, this app is exceptionally aware!
  6. [R9] EarnIn 3/5 · US Changing Banks: I really like EarnIn but I needed to change banks. I changed it they still used my old account. Now I have overdraft fees!!!
  7. [R14] EarnIn 5/5 · US Nice app and service: I enjoy the Earnin app and the service is really simple and seamless. All the fees (which are extremely minimal) are up front and easy to understand. I was skeptical of something like this before, but it’s been a really nice thing to know I have when and if I need it.
  8. [R18] EarnIn 5/5 · US Easy to use: Earnin has always worked well for me and is easy to use.
  9. [R1] EarnIn 1/5 · US Stolen: They have taken over 700$ in pay back before time it was 499$ and now and extra 300 was taken out of my account and no you can not contact customer service or support to fix this issue so im out an extra 300$ out of my paycheck never again it is being deleted after tears with them
  10. [R2] EarnIn 5/5 · US Very good: Very good app always get my money
  11. [R6] EarnIn 3/5 · US Earnin: I enjoy this app but when I request amount of funds it automatically send me whole 100.00 which I don’t need therefore this is a great apps. I notice the charge a fee if you need immediately or you have to wait one or two business day to receive your funds in your account.i notice I tips some time unfortunately when it time to repay the money back it seem I pay more back. I’m trying to und
  12. [R11] EarnIn 5/5 · US Always on Time: Always there when needed
  13. [R38] EarnIn 5/5 · US Lifesaver: I have never been very smart with my money. I’ve left myself in situations where I need money before payday, I try not to let that happen very much. This app is great for when you’re in a pickle. Yes there’s a $3.99 fee for transferring instantly and yes they do ask for a tip, but you can choose the amount and I personally believe it’s worth it.
  14. [R50] EarnIn 4/5 · US Slightly convenient: I actually don’t care for the tipping aspect when there is already a fee
  15. [R10] EarnIn 1/5 · US Poor Customer Service: They will take your money and they dont care about helping give anything unless you pay extra
  16. [R23] EarnIn 1/5 · US Refuse to refund unauthorized charges: I am shocked by the experience I went through with this card and unauthorized charges. They claimed because a digital token was used, they could not prove any fraud took place and refused to refund the charges. Mind you this after I presented evidence that I’ve never used the card before at the specific store sites and showed someone trying to use my card AGA
  17. [R35] EarnIn 1/5 · US They will not refund your money when they improperly charge you: I have used them for years. I have had a couple of hiccups with them, which is normal, but they have always corrected the issues this time around. They charged me at the wrong time. I had to place a stop payment with my bank then they promised me that if I had screenshots, they would reimburse the fee after they improperly charged me
  18. [R16] EarnIn 5/5 · US It is LEGIT!!: I was very skeptical about opening a account and give my bank information. But this is Legit, I honestly couldn’t find any other way to access money and I was thinking on a loan, but I am not needing a loan anymore since I can access my money in real time earlier. Thank you!!
  19. [R22] EarnIn 5/5 · US Great for emergencies: This app has helped me so much! Anytime I’m low on funds I can just borrow and pay back later. Awesome for emergencies.
  20. [R100] Cash App 5/5 · US Outstanding experience; save money, transfer money, borrow money!: I've been having the experience of a direct deposit bank customer, and it's great! Being treated to all the perks of a longtime customer has changed my experience with banking- I don't think I'll go back to old school banks. The best thing?! Being offered money to borrow. Like, over a hundred bucks. Most fintech will let you borr
  21. [R119] Cash App 1/5 · US Do NOT use the Loan feature!: 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 state regulations. I borrowed $500 for 12 hours and the interest was not refunded as policy states. No one will help me! If you have any plans to pay
  22. [R76] Cash App 1/5 · US Deactivated account: I am extremely disappointed with Cash App. My account was unexpectedly activated after more than five years of using the service with no prior warning or explanation on a vague statement that my account was suspected of fraud, gambling or other prohibited activities. I do not gamble and I have never committed fraud. My personal bank account has been linked to my Cash App accou
  23. [R79] Cash App 1/5 · US False deactivation: My account got deactivated for literally no reason while I was asleep and I’m still confused until this day
  24. [R83] Cash App 1/5 · US Deactivate: Cash App deactivated my account saying I went against their policy but didn’t tell me what I did to go against their policy
  25. [R93] Cash App 1/5 · US How did I get suspended even if I can’t UPDATE THE DAMN APP ON MY PHONE!!!!!!!!!!!!!!: I got suspended for “fraudulent actions”, what fraudulent action have I done on cash app cause I just buy things. Also I can’t access the damn app since I gotta update it but it would let me cause it’s iOS 17 and you know that any old IPhone like an IPhone 7 that I have can’t update past 15 or more. Cashapp, ple

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