# Beem: Cash Advance & Banking — user reviews > 3,502 indexed App Store user reviews of Beem by Line Financial, Pbc, rated 4.20/5 from 32,000 ratings. - Source: https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476/reviews - App overview in markdown: https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476.md - Rating breakdown: 5★ 23,840 · 4★ 1,937 · 3★ 903 · 2★ 551 · 1★ 4,769 ## What do users think of Beem? Overall sentiment: mixed **Pros** - 🚀 Quick cash advances - 💳 Convenient instant cash withdrawals - 🔒 Secure app with identity verification - 💰 Helpful in emergency situations - 📊 Budgeting and financial management tools - 🤝 Responsive and helpful customer support **Cons** - 🐛 Frequent app crashes and bugs - ⏰ Long wait times for approval and increased limits - 💰 Subscription fees and withdrawal fees - 🤔 Unclear eligibility criteria and waitlists - 🔍 Difficulty linking bank accounts and deactivating accounts - ❌ Unreliable instant cash feature **Commonly reported bugs** - Repeated issues with bank account linking - Inability to deactivate accounts - Inconsistent instant cash withdrawal functionality - Frequent app crashes and freezes **Most requested features** - Increase advance limits - Improve app stability and reduce bugs - Provide more transparency on eligibility and approval process - Streamline bank account linking and account management - Offer more flexible repayment options ## Newest reviews (19 of 3,502) ### 4/5 — Cash when needed *2026-08-31, version 5.85.0* Ideal for emergencies because the app delivers just like that with instant cash. It's super reliable; honestly, I don't know what I'd do without it. ### 5/5 — Great App! *2026-08-31, version 5.85.0* I’ve been using it when I need a little extra before payday. It has helped with Ubers, lunch, and I have had no major problems! ### 5/5 — Incredible Speed *2026-08-31, version 5.85.0* The flexibility and speed of app is incredible. Instant cash when you need it. ### 5/5 — Awesome app *2026-08-31, version 5.85.0* Easy to use, comes in clutch when you need a little boost ### 5/5 — Great *2026-08-31, version 5.85.0* Had money in account in minutes thanks to, App, just amazing 💸 ### 5/5 — Did What I Needed… *2026-08-31, version 5.85.0* Not bad when I had kid stuff to buy and other money planning to think about too. It helped me out and the transfer was quick. ### 5/5 — High praise *2026-08-31, version 5.85.0* Truly praiseworthy service! The app is great for quick cash, and my needs are always met with fast approval. ### 5/5 — Great Advance *2026-08-31, version 5.85.0* Best app available there when you need it. Great App. ### 5/5 — Great quick cash boosts *2026-08-31, version 5.85.0* Beem been great with instant cash boosts right when it’s needed. ### 5/5 — Life saver when everyone else fails *2026-08-31, version 5.85.0* App came through when every other option failed. Can't thank u enough. I trust in this app and I recommend to everyone. ### 5/5 — Makes life easier during tough financial situations. *2026-08-31, version 5.85.0* Love Love Love This App ### 5/5 — Great *2026-08-31, version 5.85.0* Fast and easy process to get my cash when needed. Highly recommend ### 5/5 — Such a big help *2026-08-31, version 5.85.0* This app sure helps me out in my times of need!! ### 5/5 — Help in Time of Need *2026-08-31, version 5.85.0* Had a gap in funds between payday and the loan from BEEM came right in time. So glad to have an app that makes access easy and borrowing simple. ### 4/5 — Great app *2026-08-31, version 5.85.0* Helped me out when I needed it ### 5/5 — Good *2026-08-31, version 5.85.0* Good ### 5/5 — Perfect app *2026-08-31, version 5.85.0* Perfect app for getting quick cash easily every time. ### 3/5 — Review *2026-08-31, version 5.85.0* Availability that calms financial upheavals app is my go to. The only thing I would change is the continued verification after account has been verified used already. ### 5/5 — Helpful for car expenses *2026-08-31, version 5.85.0* Been using the app for unexpected expenses like when my car insurance companies needed immediate payment. Quick access to funds helped me without having to rely on personal loans or other solutions. ## Most critical reviews (10 lowest-rated) ### 1/5 — Beem Is Scamming *2026-08-31, version 5.85.0* Each time I earn more money I’m presented with a new issue that stops me from having access to it like errors with my funds showing up to my balance and being unable to withdraw anything ### 1/5 — DONT DOWNLOAD THIS APP SUCKS *2026-08-31, version 5.85.0* Don’t download this app has a problem every other day. App has been down for 10 days and they make you pay for a subscription to get an advance. They haven’t been able to fix a bank connection problem. Would legit give this app a rating of 1 out of 10. ### 1/5 — Running in circles. *2026-08-31, version 5.85.0* I was using this app for a little while. I started to notice it had a lot of bugs and it often freezes. A few times now I can’t even cash out because the app keeps running me in circles with a verification selfie and “re-syncing” my bank info after having already done so. And then it. Just. Keeps. Doing. It. Would not recommend this app until they fix whatever they need to. ### 1/5 — Shakey App *2026-08-31, version 5.85.0* Crashed twice as it was processing my bank information. Didn’t want to try it a third time. ### 1/5 — Debit card verification *2026-08-31, version 5.85.0* This is my first time using this app, and unfortunately, my experience has been extremely frustrating. I linked both my bank account and debit card as requested, and the verification process clearly went through far enough for you to take money from my account. You charged me for the subscription, as well as the $0.57 verification charge, but now you’re telling me that you still can’t verify my account. If you were able to successfully charge my payment method, I don’t understand why my account cannot be verified. ### 1/5 — Scam *2026-08-30, version 5.85.0* This is a scam I’ve been writing them for 2 months received no assistance on the issue I had.. ### 1/5 — Predotory *2026-08-30, version 5.85.0* This app will say they need to verify your account take the subscription fee then take out 00.57 cents to verify and say your debit card couldn’t be verified. It was verified when You TOOK MY MONEY OFF THE CARD. These apps need to be sued. Disgusting! You prey on the backs of people in need. ### 1/5 — Scam *2026-08-29, version 5.85.0* They say you get money instantly but that a lie. Wasn’t allowed to cancel and had to call my bank and report as fraud and have them blocked from taking any money ye from my account. I never got a dime from them ### 1/5 — Not working *2026-08-23, version 5.84.0* App will not connect ### 1/5 — Scam *2026-08-23, version 5.84.0* Very disappointing experience. I completed all the steps Beem asked me to do, including posting my review on the App Store, but the verification keeps failing even though my review is clearly posted. The app says $50 is waiting, but I still can’t get past the verification step. This process has been frustrating and feels misleading. I hope Beem fixes the verification system and makes the promotion easier to complete. ## Most praised reviews (10 highest-rated) ### 5/5 — Bridged to Payday *2026-08-31, version 5.85.0* Helped bridge gap between paydays, flexible repayment is great, really handy. ### 5/5 — Safe and Secure Transactions *2026-08-31, version 5.85.0* I didn't worry about my data. The app felt as secure as my bank transactions. I love this app! ### 5/5 — Instant approval access *2026-08-31, version 5.85.0* The app was easy to use. The cash was in my account fast. ### 5/5 — Easy and Helpful! *2026-08-31, version 5.85.0* Quick and easy to get some help before payday. Highly recommend! ### 5/5 — Great app *2026-08-31, version 5.85.0* Opened the app when my dog needed food and I was waiting on my deposit. Took me a minute to find the right button but the money part worked ### 5/5 — Most Appreciated *2026-08-31, version 5.85.0* App is most appreciated for quick cash needs fast approvals ### 5/5 — Great *2026-08-31, version 5.85.0* Love it ! ### 5/5 — Beems great *2026-08-31, version 5.85.0* Was very helpful, and easy to access ! ### 5/5 — Got my advance *2026-08-31, version 5.85.0* App approved cash for me instantly so grateful needed that help 🙏 ### 5/5 — Awesome *2026-08-31, version 5.85.0* Great app that helped me get an advance quickly and easily. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*