Beem App Reviews
Reviews for Beem aggregated across 30 storefronts on App Store and Google Play.
About this app
Beem is the #1 cash advance and banking app with automatic credit building. Get instant cash advances up to $1,000, build credit on every purchase, and let AI optimize your money. INSTANT CASH ADVANCES UP TO $1,000 Get cash when you need it with Everdraft™. Access up to $1,000 of your verified incoming deposits in minutes. No interest, no credit checks, no due dates. Free standard transfer or instant delivery No payday loan fees or interest charges No credit impact on your score Get money in 5 minutes or less BUILD CREDIT AUTOMATICALLY The only banking app that builds your credit on EVERY purchase. Your Beem Companion Card reports positive payment history to all three major credit bureaus monthly. * No credit check to start * Reports to Experian, Equifax, TransUnion * Automatic monthly reporting * Build credit while you spend AI AGENTS THAT WORK 24/7 Beem's AI agents maximize every dollar: JobsGPT - Finds gigs and full-time jobs matching your skills DealsGPT - Surfaces verified discounts before you shop anywhere PriceGPT - Compares prices automatically on receipts and products BudgetGPT - Tracks bills, flags overspending & suggests money-saving strategies COMPLETE BANKING PLATFORM * Direct deposit arrives up to 2 days early * FDIC insurance up to $250,000 (via partner bank) * Send money free to anyone (no Beem account required) * Earn cashback on gas, groceries, dining, shopping * Debit card with no monthly fees * Mobile check deposit from anywhere COMPREHENSIVE PROTECTION * Job Loss Protection: Get up to $1,000 when employment changes * Beem Health: 24/7 virtual doctor, pharmacy savings, dental, vision, counseling * Wysh Life Benefit: Coverage for loved ones (Plus/Pro members) * Beem TotalCare: Save on device protection (AKKO), mindfulness (Headspace), fitness (FitOn Pro), password security (Dashlane) TRUSTED BY 3 MILLION+ USERS Over $100 million in cash advances disbursed $300 million in total payments processed $500 million in debt traps prevented Average user credit score improvement: 67 points BETTER THAN THE COMPETITION vs Dave: Higher cash advance limits ($1,000 vs $500) + automatic credit building vs Chime: Cash advances + automatic credit building (no separate card) vs Cleo: More cash ($1,000 vs $250) + 4 specialized AI agents vs Albert: Automatic credit building + higher cash limits vs Brigit: 4x higher cash limits + AI optimization tools vs MoneyLion: Lower fees + automatic credit building SECURITY & TRUST 24/7 fraud monitoring with real-time alerts Bank-level encryption protecting all transactions Instant card locks and customizable privacy settings Biometric authentication (fingerprint, face ID) HOW IT WORKS 1. Download Beem banking app 2. Create account and verify identity 3. Open FDIC-insured checking account 4. Connect direct deposit for cash advances 5. Get your Beem Companion Card 6. Build credit automatically with every purchase 7. Request cash advances up to $1,000 when needed 8. Let AI agents optimize your money ELIGIBILITY U.S. resident, age 18 or older Valid Social Security Number or ITIN Active checking account Regular income (for higher cash advance amounts) FEES & TERMS No monthly account fees No overdraft fees No minimum balance required Free standard transfers (1-3 business days) Optional instant transfer fee for immediate cash Subscription plans available for premium features DISCLOSURES Cash Advances: Everdraft™ gives access to verified incoming deposits. Optional expedited delivery fees apply. Credit Building: Beem reports to major credit bureaus when applicable. Credit score impact varies by individual history. Banking Services: Provided by partner bank, Member FDIC. See terms for details. Beem is not affiliated with Dave, Earnin, MoneyLion, Brigit, Klover, Chime, Varo, Cash App, Venmo, PayPal, Albert, Cleo, Self, Kikoff, Credit Karma, Rocket Money, or other personal finance apps. Download Beem: instant cash advance, automatic credit building, AI-powered banking, all in one app.
Source: App Store listing
Rating Distribution
Reviews by Country
| Denmark | Google Play | 0 | 17,500 | 3.9 | Users consistently praise the app's ease of use, quick cash advance processing, and helpfulness during financial emergencies. However, some... |
| Spain | Google Play | 13 | N/A | N/A | Users praise Beem for helping improve financial status and credit access, but consistently complain about account registration issues, alleg... |
| Iceland | Google Play | 0 | 17,500 | 3.9 | Users consistently praise the app's ease of use, quick cash advance processing, and helpfulness during financial emergencies. However, some... |
| South Korea | Google Play | 1 | N/A | N/A | Users consistently praise the app's ease of use, quick cash advance processing, and helpfulness during financial emergencies. However, some... |
| United States | Google Play | 100 | 17,500 | 3.9 | Users consistently praise the app's ease of use, quick cash advances, and flexibility in accessing funds between paychecks. However, some us... |
| Google Play served the identical review set for Australia, Canada, United Kingdom, India, Mexico as another English-language storefront above -- Play does not segment reviews by country the way the App Store does, so these are not counted twice. | |||||
| 42 additional storefronts checked with zero reviews: UAE, UAE, Austria, Australia, Belgium, Brazil, Brazil, Canada, Switzerland, Switzerland, Germany, Germany, Denmark, Spain, Finland, France, France, United Kingdom, Indonesia, Indonesia, Ireland, India, Iceland, Italy, Italy, Japan, Japan, South Korea, Mexico, Netherlands, Netherlands, Norway, Norway, New Zealand, Poland, Portugal, Saudi Arabia, Saudi Arabia, Sweden, Sweden, Singapore, United States | |||||
Reddit Mentions (Last 30 Days)
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- Highly recommended lightr/minibikes
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- Lemme do my part for Super Earth in peace.r/Helldivers
Recent Reviews
Awesome app. Super helpful when I needed it in an emergency.
absolute scam. charges you money then is completely dysfunctional
Money hit my account before I had to pick up my prescription. I wish the amount was a little higher but it still helped
Just needed enough for groceries and coffee before my deposit came in. The app gave me that little bridge and the rest was easy. One screen lagged but nothing serious
I feel safe using this app. Secure transactions every time; it's a peace of mind knowing they're reliable. i would reccommend
Rich experience with the app! Instant cash delivery when required; it's been such a help. I can't say enough! 👍
The cash advance process is way more effective now, improvements made it better!
Job loss thing doesn't work and they charged me numerous times the subscription plus late fees even tho I don't use this and abandoned it.
Customer support is quick to reply when I have questions about withdrawal options. It makes me feel valued!
would give zero stars if possible. Never allows me to link my bank account. Gives errors when trying to sign in. No help from customer service after reaching out. Terrible Terrible Terrible, stay away!!! update: claim they fixed it and still does not work!!!
Saw the listing while I was trying to figure out gas money to get through the weekend. The funds showed up and that handled it!
Honestly the whole app is bugged, they dont offer anything worth while surprised no one has done the research on how to be the best app with financial needs. Cash app offers the easiest and best cash advance with only having to put $300 direct deposit a month to borrow $450 for now 6 weeks for only 7.5% interest ($33.75 interest).Cleo takes your money, Dave takes your money, brigit takes your money, earnin app is not to bad, Albert app is okay to. Dont waste your time on this one.