A spending account that works for you
Open a Dave Spending account in the app to get paid up to 2 days early,1 earn up to 15% cash back with the Dave debit card,2 get instant access up to $500 ExtraCashTM advances,3 and more.
Why switch to Dave Spending?
We mean opportunities for everyone
There are no minimum balance requirements to open an account.
Because everyone deserves to better their financial future.
Instant access to ExtraCashTM
Get ExtraCashTM advances sent instantly to your Dave Spending account - so you can spend the cash you need, when you need it.3
Budget smarter, not harder
Always know how much you can spend while still covering all your bills with Dave's automatic budgeting feature.
No ATM fees
Get your cash without extra fees from 37K MoneyPass ATMs.4
Real-time support from real people
Need help with your account?
Dave has fully trained professionals standing by to help you out.
Skip the bank lines
Open a spending account right from your phone. It only takes a few minutes.
Ditch fees for good
No overdraft fees
No late fees
No minimum balance fees
Get paid up to two days early1
Get early access to your paycheck by setting up direct deposit into your Dave Spending account. Setting it up is easy!
Adding cash to your account is simple
Choose Dave as your primary account
Set up direct deposit to get your paycheck directly sent to your Dave Spending account up to two days before you get paid.1
Transfer seamlessly between accounts
Create a one-time or recurring bank transfer (ACH) from your connected external bank account.
Send cash via mobile wallet
Send money in minutes from cash held in Apple Pay or G Pay from your device.
Deposit cash or cash a check
Deposit cash at the nearest participating location by selecting "deposit cash" in the app.5 Select scan a check to deposit a check directly.
Get an ExtraCashTM advance
Access up to $500 instantly by taking an ExtraCashTM advance and transferring to your Dave Spending account.3
Let the rewards roll in
With Dave Rewards you can earn up to 15% cash back from your daily spending at select retailers.2 Enjoy unique monthly offers automatically added to your Dave Debit Mastercard® card, plus add as many additional offers as you'd like.
Security stronger than a bear
Every account is protected and FDIC-insured up to $250K through our partner bank, Evolve Bank and Trust, Member FDIC.
"Meet Dave: an AI dressed up in a bearsuit saving you from the evils of expensive overdraft fees." - TechCrunch
"Insane bank charges could become a thing of the past with fintech app Dave, which analyzes spending patterns, predicts checking shortfalls—and covers them." - FastCompany
"It's difficult for consumers to anticipate when their account will become overdrawn. For $1 a month, Dave will sync to a user's account, analyze spending patterns and provide alerts when an account is in danger of going negative." - US News and World Report
Do I need a Dave membership to access Dave Spending?
Yes, to use any of Dave’s services there is a $1 per month membership fee. This includes access to our account monitoring, notification services, budgeting, and maintaining a connection to your external bank account. The Dave membership renews monthly, on the same date that you signed up for the membership. Please note that the membership is not associated with advance eligibility and deleting the app will not end your membership or close your account.
How do I qualify for a Dave Spending account?
There are no minimum balance requirements when trying to open a Dave spending account— just enter your personal information and pass identity verification and you’re good to go.
How do I get a Dave Debit Mastercard®?
Once you open a Dave Spending account, a card will be sent right to the address on file— this may take up to 10 business days. Never fear, you can use your Dave digital card by adding it to your digital wallet until your physical card arrives.
How do I add my Dave Debit Mastercard® to my digital wallet?
To find your digital and physical card information in the app, tap on your card from the home screen and tap the card again. You’ll be able to swipe left and right to switch between your physical and digital card.
Based on your device, follow these steps to set your Dave Debit Mastercard® as default.
Apple Pay (iOS)
On your iOS device:
• Go to Settings > Wallet & Apple Pay
• Under Transaction Defaults, tap 'Default'
• Select your Dave Debit Mastercard® as your default
G Pay (Android)
Once in the G Pay app:
• Tap 'Payment'
• Tap your Dave Debit Mastercard®
• Tap 'Make default'
How do I activate my physical Dave Debit Mastercard®?
To activate your physical card, open the Dave app and from the home screen tap on the green banner stating “Activate your physical card”. Then just confirm the last 4 numbers of your card, review the expiration date, and set your PIN.
How do I sign up for Dave Rewards?
Dave members with a Dave Spending account can sign up and start earning Dave Rewards. If you do not have a Dave Spending account, you'll be able to sign up during the account opening process.
To view your Dave Rewards, tap “Earn cash back” from the home screen or from your Spending account.
Some offers are already automatically activated for you monthly, and some more local retailers may require you to search and activate the offer before making that purchase. To add an offer, tap the offer then tap “Add offer”. Offers that have been automatically added will display “Offer ready. Start spending!”.
Spend and earn
Once your offer is active, spend using your Dave Debit Mastercard®, complete a qualifying transaction, and view your earnings within 2-3 business days. Timing is dependent on merchant processing.
How do I set up a Goals account?
1. Create a Goal
To get started, go to Grow and tap “+ Create a new Goal”. From here you can choose a name for your Goal, set a timeline to reach your Goal by, and a target amount you’d like to hit. You can edit these details at any time as your plans change.
2. Fund your Goal
Once you've created a Goal, you can fund it with a one-time deposit, or set up a recurring deposit on a weekly, biweekly, or monthly basis.
3. Manage your Goal
You’re able to update the details of any of your goals at any time. You can update the name, description, amount, and even the image.
How do I get an ExtraCash™ advance?
Open an ExtraCash™ account
Confirm your identity and open an ExtraCash™ account to see how much of an advance you qualify for. With an ExtraCash™ account, you can build and manage an emergency fund of up to $500 or use it to take additional money in-between paychecks, if eligible. Think of it as your solution for unexpected expenses.
Take an ExtraCash™ advance
Check your eligibility, and get an ExtraCash™ advance from Dave by overdrafting your account up to $500, without incurring large overdraft fees you might see at other banks. There’s no interest, credit check, or late fees. Eligibility criteria apply.
Get your ExtraCash™ advance
To use the money instantly, send it to a Dave Spending account for a small fee. You can also transfer it to an external card for a small fee or external account for no fee.
Settle by next payday
Based on when you’re paid, we determine the best day for your advance to settle. You can check your eligibility for another advance within 2-5 business days of your previous advance being settled.
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How do I set up Direct Deposit?
You can get paid up to 2 days early when you set up direct deposit into your Dave Spending account.
To get started
Tap on your card from the home screen to get to your Spending account details. Under your card, tap “Set up Direct Deposit”.
Pick how you’d like to set up Direct Deposit
• Automatically by signing into your employer's direct deposit portal.
• Use your Spending routing and account numbers in your employer's portal
• Create and send a direct deposit form to your HR team
The exact timing of your deposit is dependent on your employer or sender. If you're not seeing your deposit early, contact your employer or sender to better understand their payroll policies.