{"app_store_id":1525101476,"slug":"beem-cash-advance-banking-1525101476","name":"Beem: Cash Advance & Banking","subtitle":"Bank, Budget & Build Credit","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/c7/86/2a/c7862a7b-19a5-deb3-04e9-879ac1a96598/AppIcon-0-0-1x_U007emarketing-0-7-0-sRGB-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/beem-cash-advance-banking/id1525101476?uo=4","price":0,"currency":"USD","rating":4.247,"rating_count":33551,"in_app_purchases":false,"recent_rating":5,"recent_review_count":20,"reviews_checked_at":"2026-10-14T05:33:53.692Z","primary_genre":"Finance","version_date":"2026-10-21T10:52:17Z","updated_at":"2026-10-22T19:32:22.698Z","stale":false,"missing_since":null,"one_liner":"Banking app offering cash advances up to $1,000, automatic credit reporting on card purchases, and four AI agents for…","verified_maker":false,"maker_site":null,"file_size_bytes":152905728,"minimum_os":"15.1","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cf/9d/60/cf9d60a8-3c71-4e89-9786-9c38d2ee7b48/Screen_1.1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f5/c6/1a/f5c61a30-892e-5312-6a41-2632a6dc8b76/Screen_1.2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/58/64/9b/58649bc4-b1aa-1e68-456b-ed39d7fa3d91/Screen_1.3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/49/13/4f/49134f40-34a3-61c2-5283-d8ba7b3210e8/Screen_1.4.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7f/23/b3/7f23b313-4098-c8f2-6d44-ddf431cd7db7/Screen_1.5.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e0/bd/20/e0bd205a-472e-898c-3cf4-23ed437b1d44/Screen_1.6.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a7/ba/87/a7ba8757-52d2-ecb0-c5f8-874186880694/Screen_1.7__U00281_U0029.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/23/9e/13/239e13fd-c968-bb6a-08a9-632c539c95db/Screen_1.8.jpg/320x480bb.jpg"],"developer_name":"Line Financial, Pbc","editors_choice":false,"url":"https://apptierlist.com/apps/beem-cash-advance-banking-1525101476/","api_url":"https://apptierlist.com/api/v1/apps/beem-cash-advance-banking-1525101476","schema_version":"1.0","generated_at":"2026-10-23T05:14:12.866Z","data_as_of":"2026-10-23T04:51:12.804Z","description":"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.\n\nINSTANT CASH ADVANCES UP TO $1,000\nGet 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.\n\nFree standard transfer or instant delivery\nNo payday loan fees or interest charges\nNo credit impact on your score\nGet money in 5 minutes or less\n\nBUILD CREDIT AUTOMATICALLY\nThe 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.\n* No credit check to start\n* Reports to Experian, Equifax, TransUnion\n* Automatic monthly reporting\n* Build credit while you spend\n\nAI AGENTS THAT WORK 24/7\nBeem's AI agents maximize every dollar:\n\nJobsGPT - Finds gigs and full-time jobs matching your skills\nDealsGPT - Surfaces verified discounts before you shop anywhere\nPriceGPT - Compares prices automatically on receipts and products\nBudgetGPT - Tracks bills, flags overspending & suggests money-saving strategies\n\nCOMPLETE BANKING PLATFORM\n* Direct deposit arrives up to 2 days early\n* FDIC insurance up to $250,000 (via partner bank)\n* Send money free to anyone (no Beem account required)\n* Earn cashback on gas, groceries, dining, shopping\n* Debit card with no monthly fees\n* Mobile check deposit from anywhere\n\nCOMPREHENSIVE PROTECTION\n* Job Loss Protection: Get up to $1,000 when employment changes\n* Beem Health: 24/7 virtual doctor, pharmacy savings, dental, vision, counseling\n* Wysh Life Benefit: Coverage for loved ones (Plus/Pro members)\n* Beem TotalCare: Save on device protection (AKKO), mindfulness (Headspace), fitness (FitOn Pro), password security (Dashlane)\n\nTRUSTED BY 3 MILLION+ USERS\nOver $100 million in cash advances disbursed\n$300 million in total payments processed\n$500 million in debt traps prevented\nAverage user credit score improvement: 67 points\n\nBETTER THAN THE COMPETITION\nvs Dave: Higher cash advance limits ($1,000 vs $500) + automatic credit building\nvs Chime: Cash advances + automatic credit building (no separate card)\nvs Cleo: More cash ($1,000 vs $250) + 4 specialized AI agents\nvs Albert: Automatic credit building + higher cash limits\nvs Brigit: 4x higher cash limits + AI optimization tools\nvs MoneyLion: Lower fees + automatic credit building\n\nSECURITY & TRUST\n24/7 fraud monitoring with real-time alerts\nBank-level encryption protecting all transactions\nInstant card locks and customizable privacy settings\nBiometric authentication (fingerprint, face ID)\n\nHOW IT WORKS\n1. Download Beem banking app\n2. Create account and verify identity\n3. Open FDIC-insured checking account\n4. Connect direct deposit for cash advances\n5. Get your Beem Companion Card\n6. Build credit automatically with every purchase\n7. Request cash advances up to $1,000 when needed\n8. Let AI agents optimize your money\n\nELIGIBILITY\nU.S. resident, age 18 or older\nValid Social Security Number or ITIN\nActive checking account\nRegular income (for higher cash advance amounts)\n\nFEES & TERMS\nNo monthly account fees\nNo overdraft fees\nNo minimum balance required\nFree standard transfers (1-3 business days)\nOptional instant transfer fee for immediate cash\nSubscription plans available for premium features\n\nDISCLOSURES\nCash Advances: Everdraft™ gives access to verified incoming deposits. Optional expedited delivery fees apply.\nCredit Building: Beem reports to major credit bureaus when applicable. Credit score impact varies by individual history.\nBanking Services: Provided by partner bank, Member FDIC. See terms for details.\n\nBeem 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.\n\nDownload Beem: instant cash advance, automatic credit building, AI-powered banking, all in one app.","facts":{"developer_id":1447834849,"developer_url":"https://trybeem.com/","first_released":"2020-08-24T07:00:00Z","support_url":"https://trybeem.com/","privacy_url":"https://useline.com/privacy","website_url":"https://trybeem.com/","app_version":"5.90.0","release_notes":"Linking your bank is now smoother with clearer delay alerts. We've also added instant phone verification—no more waiting for OTP codes. Verified users now go straight to the home screen without detours. Clearer guidance. Smoother banking. Better experience.","rating_current_version":4.247,"rating_count_current_version":33551,"star_counts":[4905,558,925,2010,24934],"genres":["Finance","Lifestyle"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":102}},"freshness":{"apple_read_at":"2026-10-22T19:32:22.698Z","catalog_read_at":"2026-10-13T10:32:57.516Z","reviews_checked_at":"2026-10-14T05:33:53.692Z","summary_written_at":"2026-10-13T03:06:54.213Z","placed_at":"2026-10-13T01:06:56.008Z","scored_at":"2026-10-23T04:51:12.804Z"},"editorial":{"one_liner":"Banking app offering cash advances up to $1,000, automatic credit reporting on card purchases, and four AI agents for…","what_is":"Beem is a finance app that provides a checking account, a Beem Companion Card, and cash advances of up to $1,000 against verified incoming deposits. The card reports payment history to Experian, Equifax and TransUnion monthly. It also describes AI agents (JobsGPT, DealsGPT, PriceGPT, BudgetGPT) and protection benefits such as Job Loss Protection and Beem Health.","good_for":["Covering a short-term cash need before a paycheck arrives","Building credit history through everyday card purchases","Tracking bills and spending with the BudgetGPT agent"],"pricing":"Beem: Cash Advance & Banking is free, with no in-app purchases on the App Store.","faq":[{"q":"Does the app cost money to download?","a":"The price as free. Whether in-app purchases exist is Not stated on the App Store."},{"q":"Do cash advances affect my credit score?","a":"The listing says cash advances have no credit impact on your score. It also says the Beem Companion Card reports positive payment history to all three major credit bureaus monthly."},{"q":"Is my money protected if the bank fails?","a":"The listing says the account carries FDIC insurance up to $250,000 through a partner bank, and that the app has 24/7 fraud monitoring with real-time alerts."}],"model":"claude-haiku-5-5","created_at":"2026-10-13T03:06:54.213Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":22,"tier":"D","score":76.5,"components":{"rating":76.4,"votes":85.3,"rank":44.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-13T01:06:56.008Z"},{"list":"cash-advances","list_name":"cash 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The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/beem-cash-advance-banking-1525101476/"}}