# Eco: Spend. Send. Save. Earn. — user reviews > 38 indexed App Store user reviews of Eco by Beam Network Inc., rated 4.10/5 from 122 ratings. - Source: https://appshunter.io/ios/app/eco-spend-send-save-earn/id1502464960/reviews - App overview in markdown: https://appshunter.io/ios/app/eco-spend-send-save-earn/id1502464960.md - Rating breakdown: 5★ 89 · 4★ 5 · 3★ 3 · 2★ 1 · 1★ 24 ## Newest reviews (10 of 38) ### 3/5 — Why Should I Care? *2023-06-07* I was an early adopter and excited about the value proposition but the app experience falls short. Eco points mean nothing to me and have as much purpose as Chuck-E-Cheese tokens. The APY is kinda appealing but only if you carry alot of cash in your checking account. Other banking apps like Chime or Current just have more utility like round-up savings or actual cash back at certain vendors. ### 1/5 — This app Isn’t worth battling all the headaches *2022-11-09, version 24.0* Unfortunately the app is always stuck trying to load or freezes. ### 1/5 — Please fix app!! *2022-10-06, version 20.0* It’s great service if you can use the app but you can’t! It keeps saying check your internet connection even on phone data! Please fix asap!! Also there needs to be a way we can sign in online!! **Developer response:** We are so sorry to hear you are receiving an internet connection message. While the app is still in early developmental stages, we strive to create a smooth experience. We value your feedback and try to resolve reported bugs as swiftly as possible. To report an issue, please visit support.eco.com and click on "Submit a request" in the top right corner to reach our Support team ### 1/5 — Bad *2022-06-26, version 9.3* This app wont let me in because it keeps saying connect to internet. I am connected to my wifi and i have unlimited data for my phone. Something is wrong and I have a picture to prove there is something wrong. ### 5/5 — Better Use of my Money *2022-05-17, version 5.0* Been with Eco since the early days and it’s sooo close to finally reaching feature parity with a bank so I can finally unbank myself I use it as my “savings account” and earn 5% APY, pay my bills, and use their debit card Hoping to truly unbank myself later this year ### 5/5 — This app helped me save money in college! *2022-05-02, version 2.5.0* I love the high savings rate and gift cards. Also the design is my favorite finance design! Love it! ### 5/5 — Just get it *2022-04-21, version 2.4.0* You get up to 5% interest on your money and 5% back at amazon, uber, uber eats, and more. It replaces your bank with bill pay and a debit card as well. ### 3/5 — Intriguing but…. *2021-07-29, version 0.1.27* I already have bank accounts that pay 3% and 4% interest so that’s not necessarily groundbreaking. The 5% cash back is what got me interested in Eco but without a debit card you limited to about 5 merchants, only 2 of which I use on a regular basis. It’s very early days for this app so we’ll do this goes tho. 3 ⭐️ s ### 5/5 — Great App *2021-04-03, version 0.1.20* Great app gonna do great things ### 5/5 — The BEST savings/spending app! *2021-04-02, version 0.1.20* Love this app! It provides me with more money — for both saving and spending — than anything else I’ve been able to find... High APY and max cash back at Amazon/DoorDash/Uber+UberEats — that’s the vast majority of my monthly discretionary spend! The app is a little clunky, but it absolutely does the job and I assume will improve over time. ## Most critical reviews (10 lowest-rated) ### 1/5 — THESE PEOPLE ARE THIEVES! *2023-05-30* I highly do not recommend this app or company! I haven’t even used my account, didn’t deposit but logged in to see what the interest rate is (if it changed) and it said “account locked” I also went in to get my referral link to refer all my friends and family but thank goodness I seen they locked it before I could. These people are NOTHING but thieves. Having people deposit money then awhile later having their accounts locked taking peoples money. STAY AWAY FROM THEM I’m not the only one having this happen to. Someone put $5,000 dollars in their account and they locked it! When I asked customer service they said they don’t lock unless we don’t follow their policies. I didn’t even do anything for them to lock my account. I haven’t been in my account for months, never used my card and suddenly for no reason it’s now locked no warning, no contact of it BAM LOCKED ### 1/5 — Absolute Scam *2023-02-09, version 31.0* This is a scam. Plain and simple. It’s ridiculous because someone had the same problem where they “couldn’t serve my account”. It’s disgusting. I had problem adding any money to my account, so I tried adding a dollar. The dollar went into the account and I tried spending it and they locked my account. They’ll tell you to “email them” but it’s no use. They’ll just say they “couldn’t serve you”. Will be reporting. ### 1/5 — Stay away *2023-02-04, version 31.0* I deposited money in this account after money posted they locked my account and took my Money which is fraud ### 1/5 — Do not recommend *2023-02-03, version 31.0* My account got locked for no reason after I made a deposit. I reached out to customer support and they said After a review, our team has determined that we are unable to support your Eco account moving forward. As a result, you will no longer have access to the full functionality of the Eco app. This decision is final and cannot be appealed. Regards,Tyler B. WAIT FOR CHARGE BACK ### 1/5 — I guess we’re idiots! *2022-12-21, version 26.0* It's deeply concerning that Eco seems to have its priorities mixed up. Instead of focusing on its actual users, who deposit their hard-earned money into the company's coffers and use the app, they seem to prioritize rewarding those who spend all day making memes on Discord and don’t even use the app. Additionally, Eco gives governance ability to these meme creators, rather than to the actual users of the app, is a serious issue. To make matters even worse, I filled out a lengthy survey and was supposed to be contacted by an Eco staff member shortly afterward and receive points for doing so. However, I never received a thing, leading me to believe that the Eco team didn't appreciate the feedback I provided or it wasn't memey enough. This lack of communication and disregard for customer feedback is unacceptable, and shows very little dedication to those who support Eco by using their services. Furthermore, I was shocked to hear that one team member hinted that app users are somehow less important because they are not "tech savvy". This is not only a stereotype, but also offensive, regardless of what technical abilities someone might have. It's clear that Eco needs to reevaluate its priorities and focus on treating its app users with the respect and consideration they deserve. Eco’s success should not be based on the number of memes its fanbase on Discord create, but rather on the satisfaction and loyalty of the people who use their app and deposit money into it. ### 1/5 — ECO IS A SCAM. STOLEN MONEY. *2022-12-11, version 25.0* DO NOT DEPOSIT MONEY INTO THIS APP. I DEPOSITED MONEY INTO MY ECO CARD BUT IT WAS NOT INSTANTLY RECEIVED. I REACHED OUT TO THEIR SUPPORT TEAM SENT THEM SCREENSHOTS OF MY DEPOSITS SO THEY COULD LOOK INTO THEIR SYSTEMS AND GOT A REPLY THAT THEY WOULD BE LOOKING INTO IT. I CHECKED THE APP COUPLE DAYS LATER AND THEY CLOSED MY ACCOUNT WITH NO REFUND AND TOLD ME THAT “ After a review, our team has determined that we are unable to support your Eco account moving forward. As a result, you will no longer have access to the full functionality of the Eco app.” I WAS NOT REFUNDED FOR MY DEPOSITS THEY STOLE MY MONEY. IM REPORTING THIS. **Developer response:** Thank you for reaching out. We are sincerely sorry to hear about your recent experience. For your security, our terms of service do not allow deposits to your Eco Card. In the event that funds are mistakenly sent, you may contact our team to recover them. For continued review, please visit support.eco.com and click on "Submit a request" in the top right corner to reach our Support team ### 1/5 — Do not recommend *2022-11-27, version 24.0* I’ve made account to have my savings so I can have money put away but my account was locked because I dollar failed to deposit but the account had 5000 in it so I should not have failed but when I emailed them thes is all I got Upon completing a review of your account, we have determined that we are unable to support your Eco account moving forward. The account will remain accessible, but with limited functionality. Thank you for your interest in Eco! Regards, Stephanie V. Customer Operations Lead It's Time for Smart Money **Developer response:** We are so sorry to hear about your experience and definitely understand the frustration. We are committed to your security within the app and unfortunately, there may be times we are unable to serve an account. For continued review, we encourage you to visit support.eco.com and click on "Submit a request" in the top right corner to reach our Support team. ### 1/5 — Fake *2022-11-20, version 24.0* Developer website isn’t even real. What is this scam garbage? No thanks. ### 1/5 — Seems like a fraud *2022-11-13, version 24.0* Terrible functionality, disorganized customer service, and I’ve earned “points” over a year that go towards Nothing. ### 1/5 — app won't open *2022-11-13, version 24.0* the app freezes and crashes every time i open it ## Most praised reviews (10 highest-rated) ### 5/5 — Great Customer Service *2023-08-02* So many good things to say about this app. 5% Cash back at my favorite stores and 5% APY is pretty incredible. The customer service stands out head and shoulders beyond every other financial account I have ever had. They are fast and very pleasant to speak with. I can do it all through email too. ### 5/5 — Amazing “bank” *2023-07-24* Not only do I get 4% interest on my spending account but I also get 5% back on gift card purchases. ### 5/5 — Better than my bank account *2023-07-23* Was apprehensive but this FDIC insured yield for a checking account is for real. Connected my payroll so now I start earning 4% as soon as I get paid. I also get Eco Points for paying my bills so I get points on both sides when I pay off my credit card. Can’t do much with points yet. Waiting for more there. ### 5/5 — Way better than a checking account *2023-07-22* Pretty awesome! The app works just like my checking account except I get 4% APY instead but .03% or whatever so moving over was a no brainer since it’s FDIC insured. The support team is AMAZING btw!!! ### 5/5 — Love Eco! *2023-07-12* The app is very user friendly and the APY is great compared to other savings accounts. They are also very transparent whenever they make changes. ### 5/5 — Awesome financial app *2022-12-23, version 26.0* I’ve been using Eco for about 6mo and it’s been great. The customer support is super responsive, takes customer feedback to heart and has fixed issues (not many) when they happen. I’m looking forward to seeing what they have in store for the future! **Developer response:** Thank you so much for your kind words! We value your feedback and we are so glad to hear your experience with us has been positive. We are grateful to have you a part of the community and we look forward to building together! ### 5/5 — Great app, the saves you money *2022-10-20, version 22.0* Love the app, love the support. Eco gets you 2.5% to 5% APY on your deposit, plus generous rewards that will mean something in the future! Highly recommend and keep your eyes peeled **Developer response:** Thank you so much for the feedback! We love our Eco Community and we are so glad to hear the app supports you in meeting your financial goals! ### 5/5 — It pays to be early *2022-10-19, version 22.0* I’m stacking rewards in the Eco app every day. Can’t find a better way to earn a high APY, and get points for everything you do financially. ### 5/5 — Eco is the way. *2022-05-26, version 6.0* Phenomenal community, app, APY (I’m at 5%). Eco Points are here to ensure we all win together. There is more to Eco than meets the eye. ### 5/5 — 10/10 - would give this 10 stars if I could! *2022-05-18, version 5.0* I've been paying the majority of my expenses through Eco. It's super easy to use and i'm earning a better APY on my money. It makes sense to pay for my day2day expenses through Eco instead of my Wells Fargo checking (which earns no rewards) Excited to see where I can spend my Eco Points! --- *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 2026-06-10.*