By Editorial Team
Last Updated: Aug 03, 2025
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We went over the latest 166 Chime SpotMe app reviews in August so you don't have to, and summarized them to tell you what users really think! 🧐
Chime SpotMe holds an impressive 4.8 historical rating from over 1.9 million user reviews, reflecting strong satisfaction with the app. Recent reviews have been less generous though, with Chime SpotMe receiving a 3.9 rating in the last few weeks (as recent as July 2025). Read on to discover what users appreciate, common concerns, and more.
4.8
1,941K Reviews
Google Play
4.7
845K Reviews
iOS App Store
4.8
1,096K Reviews
On this page
Table of contents
Users say
Users appreciate Chime's SpotMe feature, which allows fee-free overdrafts and can be a lifesaver when funds are low. Many enjoy getting paid early and find the Credit Builder card helpful for improving credit scores. However, some are frustrated that their SpotMe limit remains low despite regular deposits and long-term use. Others have experienced sudden suspensions of features like SpotMe and MyPay without clear explanations from customer service. There are also complaints about misleading advertisements promising higher SpotMe amounts that users never receive.
👎Advertising Accuracy
👎App Stability
Customer Support
👍Financial Education
👍Overdraft Protection
👍Funding Speed
👍Reliability
👍Fees & Costs
👍Ease of Use
What users like most
SpotMe Feature
Users appreciate the SpotMe feature for providing overdraft protection without fees, helping them in financial pinches.
Early Direct Deposit
Many users enjoy receiving their paychecks up to two days early, which helps with budgeting and financial planning.
Credit Building
The Credit Builder card is praised for helping users improve their credit scores effectively.
Common complaints
SpotMe Limitations
Users are frustrated with low SpotMe limits and inconsistent increases despite regular deposits.
Account Issues
Some users report sudden account closures and issues with accessing funds, leading to dissatisfaction.
App Stability
There are complaints about app outages and connectivity issues, affecting users' ability to manage their finances.
Summary by feature
Positive
1%
Negative
99%
Many users express frustration with Chime's advertising claims, particularly regarding the SpotMe feature. Despite promises of overdraft limits up to $500, numerous users report being capped at much lower amounts, often around $20, even after meeting the supposed criteria for higher limits. The lack of transparency and consistency in how these limits are determined is a common complaint. Additionally, some users mention not receiving advertised bonuses for signing up or using referral links. Overall, the sentiment is negative, with users feeling misled by Chime's promotional promises.
App reviews talking about Advertising Accuracy:
"...never got $200 overdraft or $200 anything unless it’s from my own paycheck you don’t get money for signing up so I don’t know why the ads keep saying that..."
"...on the commercials chime said oh we will spot you up to $500 till your next payday don't believe a word of it because they don't spot you anything but 10 or $20..."
"...they advertise up to 250.00 spot me if you have three months of 1500.00 deposit and show active use.I did all the above and never received a spot me increase..."
Chime SpotMe customer service
Examining how Chime SpotMe replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Almost a third of recent Chime SpotMe reviews are complaints. Chime SpotMe responds to about half of these complaints, leaving many users without a reply. When they do respond, their replies are mostly helpful, though sometimes just neutral. Chime SpotMe could improve by addressing more of their users' concerns.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
24%
⚠️
Ignore rate
46%
Negative tone
0%
Other apps like Chime SpotMe
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4.1
20K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
To access cash advance, verify identity, income, and use Gerald responsibly.
Features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
You must be 18+, a US resident, have a bank account, and pass assessment.
Features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Must be 18+, have regular income, and reside in eligible state.
Features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
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