Spend on your terms with Dave Spending
Be in control of how you spend, manage, and deposit money—with no overdraft or minimum deposit fees.
Choose how you pay
Every Spending account comes with a digital Dave Debit Mastercard® that you can use right away through Apple Pay® or Google Pay™. Want a card you can carry in your wallet? Request a physical card at any time.
Get perks at no extra cost
Stop waiting for payday with Direct Deposit
Get your paycheck up to 2 days early.1 It’s your money, we’re just helping you get it faster.
Earn 4.00% APY effortlessly
Big news: Dave Spending now has a 4.00% annual percentage yield (APY). That gives you the power to earn interest and grow your wealth by just by keeping money in the account.2 (Psst! The national average for checking accounts is just 0.07%.3)
Save while you spend with Round Up
Grow your savings by rounding up your Spending purchases. You set the Goal, we do the heavy lifting.
Take the guesswork out of your budget
Always know how much you have left to spend after covering your bills with our smart budgeting feature.
Reward yourself with Dave Rewards
You could get up to 15% cash back when you shop with the Dave Debit Mastercard®.3
Rest easy with top-tier security
You hustle for your money, and we’re committed to keeping your hard-earned dollars safe. That’s why each Spending account is FDIC-insured up to $250K through Evolve Bank & Trust, Member FDIC.
Banking built for you
Open an account from your phone
Sign up for a Dave Spending account through the app in minutes. No bank branches, no lines.
Stop paying ATM fees at places you shop
Go fee-free at 40K+ MoneyPass® ATMs in 7-Eleven and other spots near you.¹
Free yourself from hidden fees
You work too hard for your money to spend it on overdraft fees, minimum deposit fees, or account closing fees. With Dave Spending, you don’t have to pay them because we don’t have them.
Give yourself options for adding cash
Direct deposit your paychecks. Make one-time or recurring transfers with ACH, Apple Pay®, or Google Pay™. Deposit cash at CVS, Walgreens, and 90K other stores.⁴ Cash a check in the Dave app.⁵ Get instant access to ExtraCash™ advances up to $500.⁶
Get Dave Spending
Better manage your money, get paid up to 2 days early,² earn up to 15% cash back.³
Got questions?
Our team’s got answers.
Do I need a Dave membership to access Dave Spending?
How do I open a Dave Spending account?
How do I get a Dave Debit Mastercard®?
How do I activate my physical Dave Debit Mastercard®?
How do I sign up for Dave Rewards?
How do I activate Round Up?
How do I set up Direct Deposit?
How is Dave able to move up my payday?