By Editorial Team
Last Updated: Jun 13, 2025
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We went over the latest 220 Chime SpotMe app reviews in June so you don't have to, and summarized them to tell you what users really think! 🧐
Chime SpotMe has a 4.8 historical rating from over 1.8 million user reviews. Recent reviews, however, have been less positive, giving Chime SpotMe a 4.1 rating in the last few weeks (as recent as May 2025). Read on to discover what users appreciate, common concerns, and more.
4.8
1,880K Reviews
Google Play
4.7
817K Reviews
iOS App Store
4.8
1,052K Reviews
Trust Pilot
3.4
10K Reviews
On this page
Table of contents
Users say
Users appreciate Chime SpotMe for features like receiving paychecks early and the SpotMe overdraft protection, which helps them avoid overdraft fees. Many find the app easy to use and value the Credit Builder feature for improving their credit scores. However, some are frustrated that their SpotMe limit remains low, often stuck at $20, even after long-term use and regular direct deposits. Others feel the advertised higher SpotMe limits are misleading. Some users have experienced issues with customer service and app updates, and a few have concerns about recent changes affecting their access to features like SpotMe.
👎Advertising Accuracy
Customer Support
👍Loan Amounts
👍Overdraft Protection
👍Auto Advances
👍Fees & Costs
👍Ease of Use
👍Funding Speed
👍Reliability
👍Financial Education
What users like most
Spot Me Feature
The Spot Me feature is frequently praised for helping users in financial binds without overdraft fees.
Early Direct Deposit
Many users appreciate receiving their paychecks 2 days early, which helps with budgeting.
Credit Builder
The Credit Builder card is valued for helping users improve their credit scores.
Common complaints
Spot Me Limit Issues
Users are frustrated with low Spot Me limits and lack of transparency in limit increases.
False Advertising
There are complaints about misleading promotions, particularly regarding the Spot Me feature.
Customer Service Problems
Some users report unhelpful or unresponsive customer service, especially regarding account issues.
Summary by feature
Positive
11%
Negative
89%
Many users express dissatisfaction with Chime's advertising accuracy, particularly regarding the SpotMe feature. Numerous reviews highlight that despite meeting the advertised criteria, such as consistent direct deposits, users often receive a SpotMe limit far below the promised $200 or $250. Some users report being stuck at a $20 limit for extended periods, with no clear explanation or increase despite repeated inquiries. Others mention that the app's promotional claims about instant access and other features like MyPay are misleading, leading to frustration and disappointment. Overall, the sentiment is negative, with users feeling misled by Chime's promises.
App reviews talking about Advertising Accuracy:
"...my SpotMe limit has never increased beyond $20..."
"...advertising that you 'spot $200' and then after we open the account you then say I need a direct deposit first and then you only start off with $20..."
"...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.
Chime SpotMe gets a fair number of complaints (about 22% of recent reviews). Fortunately, they respond to most of these issues, addressing around 70% of the complaints. While some of these complaints are particularly harsh, Chime SpotMe generally provides helpful responses. There's still room for improvement in reducing the number of complaints and ensuring users have a better experience overall.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
22%
Ignore rate
28%
Negative tone
0%
Other apps like Chime SpotMe
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4.2
19K Reviews
Monthly fee
Free
Advance amount
$10 - $100
Eligibility
You must be 18+, have income, and prior BNPL use.
Features
Instant cash advances, Shop now pay later, Mobile plans without upfront costs, Overdraft protection, Earn rewards.
3.6
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
Must be 18+, US resident, with positive account and regular income.
Features
Instant cash advances up to $1,000, budgeting tools, credit score monitoring, personal loans, high-yield savings.
4.7
527K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Must be 18+, not in CT/MD/DC, with steady income.
Features
Cash advances up to $400, line of credit up to $1,000, credit building, early paycheck access, earn cashback.