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Panda Pay User Reviews

Panda Pay: Financial Insights
💰 Finance

Customer Experience

Positive experience17.4% of reviews
Neutral0.0% of reviews
Negative experience82.6% of reviews

~ Based on 23 written reviews from the US App Store.

Is Panda Pay Safe?

Panda Pay: Financial Insights appears safe based on user ratings. AppsHunter Safety Score for Panda Pay is 87/100.

This assessment is based on 221 user ratings, with an App Store average of 4.4/5.

Safety Analysis

83.3% of ratings point to a safe experience
2.3% of ratings suggest some concerns
14.5% of ratings point to a risky experience

~ Based on 221 App Store ratings for Panda Pay.

Is Panda Pay Legit?

Panda Pay: Financial Insights has limited verification signals. AppsHunter Legitimacy Score for Panda Pay is 53/100.

Based on 53 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most RecentHighest RatedLowest Rated

They’re stealing your information!!!

Don’t even bother signing up for this, as they demand you connect to your bank by plaid, and wait for the “system” to determine your eligibility.
Connected my bank, and already telling me that I’m not ready.
For anyone looking for help, please don’t bother, they use plaid!!!!
Snowww45Snowww45

Bad app

Not helpful
Christian/96Christian/96

Response from developer

We’re sorry Panda Pay wasn’t helpful for you. We’d appreciate the opportunity to better understand what went wrong and see how we can assist. Please email support@pandapay.money with the name or email linked to your account, and our team will be happy to review your experience.

Nice app

Very helpful
ChuggtasticChuggtastic

Response from developer

Thank you so much for the kind review! We’re thrilled to hear that you’re enjoying Panda Pay and finding it helpful. Your support truly means a lot to us!

Confused

While I meet all the requirements I’m never eligible for an advance and it doesn’t make sense
HunnibabyHunnibaby

Response from developer

We’re sorry the eligibility decision has been confusing and frustrating. Meeting individual requirements does not always guarantee approval, as eligibility is based on several account activity factors considered together. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can review your case and provide more specific assistance.

Great customer service

Alex is wonderful, he helped me with a problem I was having. He was very fast and efficient. His has excellent customer service. Please give him a promotion with a big pay raise
KKS808KKS808

Response from developer

Thank you so much for your kind feedback! We’re glad our support team was able to resolve your issue quickly and provide a great experience. We truly appreciate your support!

Don’t waste your time

This app doesn’t approve you for any advance even when you have regular activity in your bank account. My feeling is that this app just wants to charge you a fee and wants your information. There are better apps than this one.
Emerald cottonEmerald cotton

Response from developer

We’re sorry this experience left you feeling this way. Regular bank activity is one factor considered, but eligibility is based on several account activity requirements together, and approval is not guaranteed. Please email support@pandapay.money with the name or email linked to your account so our team can review your eligibility decision and any fees associated with your account.

Do not recommend

If I could leave 0 stars I would. I have a good banking history with my bank and an income coming in every two weeks and somehow to not qualify. Seems off to me. I do not recommend. I do not understand how they have 4 starts on this app.
jordy3345.jordy3345.

Response from developer

We’re sorry this experience left you feeling disappointed. Having regular income and a positive banking history are important, but eligibility is based on several account activity factors considered together, so approval is not guaranteed based on those items alone. We understand that the decision can feel unclear, and we’d like to review your specific case. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can look into what happened and assist you.

The app doesn’t work

I have used the app for maybe about a month and for some reason I don’t meet the requirements to get the cash advance. I have an active bank account. I have regular deposit from my employer. My account is not overdrafted. I was going to close my account, but they offered me another month for free so I kept my account for the last two weeks or so every other day, I would go to see if I was approved and I’m not. I really feel like this app. Just want your money for the subscription, but they don’t follow through with giving an advance.
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bananalover45bananalover45

Response from developer

We’re sorry this has been such a frustrating experience, especially after maintaining an active account and regular employer deposits. Eligibility is based on several account activity factors and can change over time, but we understand why paying for the service without receiving an advance feels disappointing. Please email support@pandapay.money with the name or email linked to your account so our team can review your eligibility history, subscription, and the free-month offer and work toward a resolution.

Upsetting

I have tried multiple
Times and have not been approved despite meeting requirements
briana231995briana231995

Response from developer

We’re sorry for the repeated frustration. Meeting individual requirements does not always result in approval because eligibility is determined using several account activity factors together. We understand that this can feel unclear and disappointing. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can review your case and provide more specific assistance.

terrible

been trying for weeks to get approved with stable income and paid bank connection fee. waste of time and robbed of money
MrBqwertyMrBqwerty

Response from developer

We’re sorry you’ve been waiting for weeks and still haven’t been approved. We understand your concern about paying a bank connection fee without receiving an advance. Approval is not guaranteed and depends on multiple eligibility and account activity factors, but we’d like to review your specific case and confirm that everything was processed correctly. Please email support@pandapay.money with the name or email linked to your account so our team can investigate and assist you.

Terrible

Fake they will deny you everytime
Jamille91222Jamille91222

Response from developer

We’re sorry you had a frustrating experience. Approval is not guaranteed and is based on several account activity and eligibility factors, not just one requirement. We’d like to review your specific case and better understand what happened. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can assist you.

Time waster

Don’t waste your time
mad_abbymad_abby

Response from developer

We’re sorry you had a poor experience, and we take concerns like this seriously. If you had trouble with eligibility, bank connection, or accessing support, please email us at support@pandapay.money with the name or email linked to your account so our team can review what happened and help resolve it.

Waste

Don’t waste your time, even with a steady income & bank account they still will deny you
ke_1203ke_1203

Response from developer

We’re sorry for the frustration. A steady income and active bank account are important, but approval depends on multiple account activity factors, not just income alone. We understand how disappointing it is to be denied and would be happy to review your case. Please email us at support@pandapay.money with the name or email linked to your Panda Pay account so our team can take a closer look.

SCAM!!

DO NOT USE ITS NOT REAL
Dumb 166237839929Dumb 166237839929

Response from developer

We’re sorry you feel this way, and we take concerns like this seriously. If you had trouble with eligibility, bank connection, or accessing support, please email us at support@pandapay.money with the name or email linked to your account so our team can review what happened and help resolve it.

Waste of time

$9.99 bank connection fee for absolutely nothing. There are no advances, they just gather data.
Thick&SassyThick&Sassy

Response from developer

We’re sorry for the frustration and understand why this felt disappointing. Bank connection helps us review eligibility and account activity, but approval is not guaranteed and depends on multiple factors. We’d like to review your specific case and address your concern directly. Please email us at support@pandapay.money with the name or email linked to your Panda Pay account so our support team can look into this and help make it right.

I wish

Waiting a couple days til payday, seems like a cool app but I wasn’t approved… doesn’t make sense to wait until someone already has money in their account lol reason why I was trying to apply. Account wasnt even negative
Wasdfjkl;Wasdfjkl;

Response from developer

We understand how frustrating it can be to not get approved while waiting for payday. Approval isn’t based only on whether your account is negative or has money coming in soon. Panda Pay reviews several account activity factors to determine eligibility. Please email support@pandapay.money with the name or email linked to your Panda Pay account, and our team can review your case.

Only wants your data

No approvals so don’t waste your time
HHippyEHHippyE

Response from developer

We're sorry for the frustration. Approval depends on a combination of factors in your account activity, not any single one, so even with steady income, other things can affect the decision. We'd genuinely like to look into your specific situation. Please contact us at pandapay.money/support and we'll review your case and find out what's affecting your eligibility.

Doesn’t Work!

Don’t bother. You connect your bank and then agree to pay a monthly subscription fee before being told whether or not you’re eligible or approved, only to then be greeted with a notification screen that they can’t “process” your eligibility right now. No support either. Waste of time. Skip this one.
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KASTAR77KASTAR77

Response from developer

We’re sorry for the frustrating experience. This isn’t the experience we want you to have, and we’d like to look into your account directly. Please email us at support@pandapay.money with the name or email associated with your Panda Pay account so our support team can find your case, review what happened, and do everything we can to make this right.

Thank you

Very thankful for $50 !
Kevinn1122Kevinn1122

Response from developer

Thank you for sharing your feedback! We’re so glad Panda Pay was able to help. We appreciate your support and hope we can continue being there for you when you need us!

Didn’t get approved

I have a good amount of money in my account and I didn’t get approved.
zmac86!zmac86!

Response from developer

We’re sorry for the frustration. Approval isn’t based only on the current balance in your account, and we understand how disappointing it can be to not get approved. Please email us at support@pandapay.money with the name or email associated with your Panda Pay account so our support team can review your application, find out what happened, and do everything we can to help.