(New) Round Up your purchases

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.

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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.

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Get perks at no extra cost
Get paid 2 days early icon
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 percent APY high yield savings account
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)

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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 
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
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.

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Stop paying ATM fees at places you shop

Go fee-free at 38K+ MoneyPass® ATMs in 7-Eleven and other spots near you.¹

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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.

Learn more

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 stores6
  • Cash a check in the Dave app7
  • Get instant access to ExtraCash™ advances up to $5008

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Get Dave Spending

Better manage your money, get paid up to 2 days early,² earn up to 15% cash back.³

Start now
Got questions?

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Designed by Dave, not a bank. ©2024 Dave, Inc.

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Evolve Bank & Trust, Member FDIC, provides all banking services and issues the Dave Debit Card, pursuant to a license from Mastercard®.

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

1Early access to direct deposit funds depends on timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.

2Annual Percentage Yield (APY) is effective as of 08/01/2023. The rate is variable and may change at any time without prior notice, before or after the account is opened. No minimum deposit or minimum balance requirements. Fees could reduce earnings on the account.

3Data as of June 20, 2023 from the FDIC’s National Rates and Rate Caps

4Rewards are not offered by Evolve Bank & Trust, but instead are offered and managed by Dave, Inc in partnership with Figg.

5Out of network fees may apply.

6A reload fee of up to $4.95 applies. Deposit and card balance limits apply. Active personalized card required. Keep your receipts as proof of your deposit. Most deposited funds are available within 10 minutes but may take up to 30 minutes depending on the retailer.

7Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details. Ingo Money service is not available for use within the state of New York.

8ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. As of January 2024, the average approval amount for disbursed advances is $160 in the trailing six months. See the Dave ExtraCash™ Deposit Agreement and Disclosures for more details.