How to Cancel Dave App in 2026
Dave charges $5/month for budgeting tools and cash advances up to $500. If you're not using the cash advance feature regularly, you're paying $60/year for a budgeting app — there are better free options. Here's how to cancel.
Cancel Dave Membership
- Open the Dave app
- Tap your profile icon → Settings
- Tap Membership
- Tap Cancel Membership
- Follow the prompts — Dave will offer reasons to stay
- Confirm cancellation
🚨 Pay off advances first: You cannot close your Dave account if you have an outstanding cash advance. Repay any ExtraCash balance before canceling.
Close Your Dave Banking Account
Canceling membership doesn't close your Dave Spending account. To fully close:
- Transfer remaining balance to an external bank account
- Stop any direct deposits going to Dave
- Contact Dave support via in-app chat to request account closure
- Or email support@dave.com with your closure request
Cancel Through App Store
If you subscribed through your phone's app store:
- iPhone: Settings → Apple ID → Subscriptions → Dave → Cancel
- Android: Play Store → Profile → Subscriptions → Dave → Cancel
The Real Cost of Dave's Cash Advances
Dave markets "no interest, no fees" on cash advances, but the reality:
- $5/month membership: Required to access ExtraCash
- "Express fee": $3.99-$13.99 to get funds instantly instead of waiting 1-3 days
- "Optional tip": Dave strongly encourages tipping — defaulting to 10-15% of your advance
- Effective APR: A $200 advance with a $5 membership, $5 express fee, and $10 tip over 2 weeks = ~260% APR equivalent
Free Alternatives
- Chime SpotMe: Free overdraft coverage up to $200 (no fees, no tips, no membership)
- Cash App Borrow: Small cash advances with direct repayment from deposits
- Varo Advance: Up to $250 cash advance, no membership fee
- Your bank's overdraft protection: Many banks now offer small overdraft buffers for free
For budgeting specifically (Dave's other feature), Mint, YNAB (free trial), and EveryDollar are all better budgeting tools.
💡 Pro tip: If you're relying on cash advances regularly, the deeper issue is cash flow timing. Set up a small emergency fund (even $200) and you'll never need Dave again. The $60/year membership fee alone is a start.
Annual Savings: $60+/Year
The $5/month membership is $60/year minimum, but with express fees and tips, heavy users often spend $150-$300/year on what's marketed as a "free" cash advance service.
🔍 Fintech apps love small recurring charges that add up. Upload your bank statement to JustCancel — we'll find Dave, Earnin, Albert, and every other app quietly charging you monthly.