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.