Making finances easier

Dave is a banking app on a mission to build products that level the financial playing field™.

Fighting for the underdog

We started Dave for one reason: banking hadn’t changed in decades1, and we knew we deserved better. Like David slaying Goliath, we set out to challenge the old ways of managing money and make financial security more accessible to all.

About Mother Child

Branch costs for

Branch costs for Dave vs Big Banks

Features that work for you

Because we keep our operating costs low, we give our 11.3M members features that work as hard as they do: ExtraCash™ up to $5003, goal tracking, and simple ways to find Side Hustles when they’re behind on their budget.

About Man Car

Introducing CashAI™

CashAI™ is our proprietary AI underwriting model that analyzes cash flow, not credit scores, to determine our members’ ExtraCash™ eligibility every time they need more money. Highly dynamic and personalized,CashAI™ looks at 180+ different data points, including members’ income, irregular employment, bank balance, spending patterns, and history with Dave.

Image of a person touching the Dave card with updated artwork

Helping members with DaveGPT

DaveGPT, our generative AI assistant, provides real-time support to members right through the app. More conversational than a chatbot, DaveGPT can answer questions, set up direct deposits, manage ExtraCash™ accounts, and more—with an 88% resolution rate.

Woman sitting in window with headphones on
Our values

They serve as a compass guiding who we are, how we work, and what we’re focused on next.

Member Centric

We care deeply about our members.

Helpful

Being helpful is part of our DNA.

Transparent

We are open, honest, and straightforward.

Persistent

We don't give up when things get challenging.

Better together

Opportunity exists for everyone at Dave.

Join the team

Help make a difference in improving our members’ relationship with money and join our growing team.

About Friends

Get the banking
app made for you


Dave is not a bank. © 2025 Dave Operating LLC. All Rights Reserved.

Evolve Bank & Trust, Member FDIC or another partner bank provides deposit accounts and issues the Dave Debit Card under a license from Mastercard.®

All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.

1American banking relies largely on decades’ old technology, systems, and payment rails. According to ABA History, the first credit card was issued in 1952 and the first debit card in 1966. ATMs launched in 1969. Online banking began in the 1980s. As for the 21st century, notable developments are fewer and farther between, including mobile check depositing (2009) and credit card chips (2012). 

2"JP Morgan Chase & Co.’s Earnings Release Financial Supplement." JP Morgan Chase & Co, Third Quarter 2024.

3Dave is not a bank. Banking services provided by Evolve Bank and Trust, Member FDIC, or another partner bank, which issues the Dave Debit Card through a license from Mastercard®. ExtraCash amounts range from $25-$500, typically approved in 5 min, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and Dave Checking account. Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers.