About BELLA Loves Me
About BELLA Loves Me
App Store
BELLA is a conversational banking service powered by love. It’s inclusive, generous, and entirely human.
Here are just a few reasons you’ll love banking with BELLA:
[Checking/BELLA Debit Card]
Customizable checking accounts—add personality to your banking experience with photos and hashtags. Make free, instant payments to other BELLA members. No hidden fees.
Enjoy contactless payments with your BELLA Debit Card at all ApplePay, GooglePay, and SamsungPay enabled terminals. Every card is made from recycled ocean plastic.
[Savings]
Unlimited savings accounts tailor-made to your wants and needs. Earn interest on all your savings, and get creative with the way you save. Start a literal Rainy Day Fund by automatically saving every time it rains in your hometown. Get as creative as you want. No start-up or balance minimums required.
[Surprises]
Random bonuses when you use your BELLA Debit Card. Pay as you normally would, and, on some purchases, we’ll reward you with free money—between 5 and 200% cashback, completely randomly*.
[Karma Account]
Set aside up to $20 using a Karma Account, and watch your Karma funds spontaneously help cover other BELLA members’ purchases. Get notifications about the happiness you created in someone else’s day. It feels good to pay it forward.
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For more information please visit: www.bellaloves.me
Bank account services provided by nbkc bank, Member FDIC and are FDIC insured up to $5,000,000 through a network of FDIC insured banks*
Learn about Privacy Policy + Terms & Conditions at https://www.bellaloves.me/legal-area/?f=privacy
*Reference BELLA Surprise Terms at https://www.bellaloves.me/wp-content/uploads/2020/11/BELLA-Surprise-Terms.pdf for more info
Here are just a few reasons you’ll love banking with BELLA:
[Checking/BELLA Debit Card]
Customizable checking accounts—add personality to your banking experience with photos and hashtags. Make free, instant payments to other BELLA members. No hidden fees.
Enjoy contactless payments with your BELLA Debit Card at all ApplePay, GooglePay, and SamsungPay enabled terminals. Every card is made from recycled ocean plastic.
[Savings]
Unlimited savings accounts tailor-made to your wants and needs. Earn interest on all your savings, and get creative with the way you save. Start a literal Rainy Day Fund by automatically saving every time it rains in your hometown. Get as creative as you want. No start-up or balance minimums required.
[Surprises]
Random bonuses when you use your BELLA Debit Card. Pay as you normally would, and, on some purchases, we’ll reward you with free money—between 5 and 200% cashback, completely randomly*.
[Karma Account]
Set aside up to $20 using a Karma Account, and watch your Karma funds spontaneously help cover other BELLA members’ purchases. Get notifications about the happiness you created in someone else’s day. It feels good to pay it forward.
---
For more information please visit: www.bellaloves.me
Bank account services provided by nbkc bank, Member FDIC and are FDIC insured up to $5,000,000 through a network of FDIC insured banks*
Learn about Privacy Policy + Terms & Conditions at https://www.bellaloves.me/legal-area/?f=privacy
*Reference BELLA Surprise Terms at https://www.bellaloves.me/wp-content/uploads/2020/11/BELLA-Surprise-Terms.pdf for more info
Ratings & Reviews
Write a Review
Community
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Community
DO NOT WASTE YOUR TIME WITH BELLA
Mar 19, 2021 I have been waiting since Friday to find out why they closed my acct. I haven't received an email and customer service can't tell you anything You don't want the frustration. I never used my acct I was waiting for my taxes and stimulus but they closed my acct the day they were to be deposited.The best I can get out of customer service is wait for an email. I better not hold my breath. DONT WASTE YOUR TIME. BELLA DOESN'T CARE ANYTHING ABOUT THERE MEMBERS. more -
Quick and easy application
Dec 7, 2020 I came across this app through an ad in Candycrush of all places. Intrigued, I decided to look into it further. Not only do they have the awesome possibility of cash back bonuses and the karma account, they’re also insured for up to $5 million by the FDIC. To be clear, most traditional banks are only insured up to $250K. Not that I need it, but it’s an interesting way to further differentiate from traditional banks. I felt compelled to write this review because of all the 1-star reviews stating how much trouble it was to sign up. Not my experience AT all. Took fewer than 5 minutes and they didn’t even require me to deposit money to start the account. Most traditional banks seem to require at least $50 to get started. The only slightly annoying part about opening the account was having to type in codes sent to your email and phone 4 different times. But seriously, under 5 minutes. I should receive my card in 7-10 days and will update this review should anything shady occur! Honestly, I’m really excited to see if this concept works out. more -
Bella is AMAZING 🤩
Jan 12, 2021 I’m always looking around to find which is the best online bank and came across and few but decided to try out Bella. To my surprise I’ve already received 2 Bella Surprises and someone picked up my tab, they covered the cost of my purchase, within the month that they’ve been running. I think it’s a great feature, being able to receive random cash back from 5% - 200%. I try to use this card as often as possible since it is random. And with the second surprise I received I now funded my karma account to cover someone else’s tab. I see people having trouble signing up, I didn’t have much trouble and did so about 2 weeks before they had everything up and running and even got a free T-shirt from a promo they had one day. I still do have a physical bank just because I like to know I can use their atm and do other business I might need. So I don’t have much trouble on that end. when I did need to speak with customer service they were just a message away through the Bella App and even though it was really late at night. I think they are definitely worth the try & who knows they might gift you an amazing surprise. Bella definitely loves me. 🥰 more -
Lots of cash back
Jan 12, 2021 So far, I love this bank. I think the design could use some work to make it feel like other banking apps, but that’s really the only thing I dislike about it. I’ve gotten Bella Surprises and “karma” account surprises where others have paid for my small purchases. I like that you can also put money into the karma account and help surprise others by picking up their small purchases. The debit card is super cute too! more -
Need to improve customer service + account funding
Jan 15, 2021 Signing up was a breeze, card came within a week, but trying to transfer funds from my other checking account took around 5 days! I also had a somewhat negative experience in the chat with a customer service rep who was clearly somewhere overseas and couldn’t communicate in English efficiently. The second chat I had was much better, and they suggested using Cash App to fund my account which was MUCH quicker! Received 12% cash back on my first purchase and I’m excited to continue exploring what Bella has to offer as they grow! UPDATE: finally figured out how to set this card up with Zelle and can now transfer funds instantly 👍 more -
Smooth process, great concept
Dec 6, 2020 Not sure why the other reviews are so negative, I had an amazingly smooth experience. I got approved on Wednesday and just received my card 3 days later today on Saturday! I came across it randomly on Instagram and I’m glad I saved the info when the launch came around. Very excited to use it more and see it grow, I hope it sticks around because it’s a great idea! more -
This is an add on review of 5 ⭐️s
Feb 9, 2021 This is an add on review of 5 ⭐️s... and that remains, the only flaw I see is 1. Takes 3-5 days to transfer funds, can y’all speed up this process to instantly?? 2. Can u please fix to where I can fund my account at an atm??? Other than that , y’all are awesome, IGNORE the negative reviews, as a 2nd checking account, one could not ask for anything more!!!!❤️💙🧡💜💗 more -
Colorful and fun so far
Dec 2, 2020 Very interesting bank concept! I chatted with some very friendly folks as I opened my account. Let’s see how long the debit card takes to arrive. So far, the app has felt smooth and easy enough to work with. Definitely better than standing outside the bank forever the other day. I’ll update as I use it more. more -
I LOVE this Bank!!!
Jan 19, 2021 I only had $20 to my name until I get paid in 2 weeks. I put $10 in gas and because I used my card, Bella surprised me with cash back!! I’m so thankful! I’m able to get through these next two weeks! I know this sounds fake, but please trust me! They are so great and you won’t be sorry! Thank you Bella!! more -
Honest Banking
Dec 16, 2020 I’ve had nothing but success with Bella. The Bella surprises are nice and the karma account is a great way to help out strangers with almost no effort on my part. This is definitely a different kind of bank and is replacing my old brick and mortar account. It’s nice having a bank that seems to care about more than just money, if that makes any sense. more
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Quick and easy application
Dec 7, 2020 I came across this app through an ad in Candycrush of all places. Intrigued, I decided to look into it further. Not only do they have the awesome possibility of cash back bonuses and the karma account, they’re also insured for up to $5 million by the FDIC. To be clear, most traditional banks are only insured up to $250K. Not that I need it, but it’s an interesting way to further differentiate from traditional banks. I felt compelled to write this review because of all the 1-star reviews stating how much trouble it was to sign up. Not my experience AT all. Took fewer than 5 minutes and they didn’t even require me to deposit money to start the account. Most traditional banks seem to require at least $50 to get started. The only slightly annoying part about opening the account was having to type in codes sent to your email and phone 4 different times. But seriously, under 5 minutes. I should receive my card in 7-10 days and will update this review should anything shady occur! Honestly, I’m really excited to see if this concept works out. more -
Bella is AMAZING 🤩
Jan 12, 2021 I’m always looking around to find which is the best online bank and came across and few but decided to try out Bella. To my surprise I’ve already received 2 Bella Surprises and someone picked up my tab, they covered the cost of my purchase, within the month that they’ve been running. I think it’s a great feature, being able to receive random cash back from 5% - 200%. I try to use this card as often as possible since it is random. And with the second surprise I received I now funded my karma account to cover someone else’s tab. I see people having trouble signing up, I didn’t have much trouble and did so about 2 weeks before they had everything up and running and even got a free T-shirt from a promo they had one day. I still do have a physical bank just because I like to know I can use their atm and do other business I might need. So I don’t have much trouble on that end. when I did need to speak with customer service they were just a message away through the Bella App and even though it was really late at night. I think they are definitely worth the try & who knows they might gift you an amazing surprise. Bella definitely loves me. 🥰 more -
Lots of cash back
Jan 12, 2021 So far, I love this bank. I think the design could use some work to make it feel like other banking apps, but that’s really the only thing I dislike about it. I’ve gotten Bella Surprises and “karma” account surprises where others have paid for my small purchases. I like that you can also put money into the karma account and help surprise others by picking up their small purchases. The debit card is super cute too! more -
Need to improve customer service + account funding
Jan 15, 2021 Signing up was a breeze, card came within a week, but trying to transfer funds from my other checking account took around 5 days! I also had a somewhat negative experience in the chat with a customer service rep who was clearly somewhere overseas and couldn’t communicate in English efficiently. The second chat I had was much better, and they suggested using Cash App to fund my account which was MUCH quicker! Received 12% cash back on my first purchase and I’m excited to continue exploring what Bella has to offer as they grow! UPDATE: finally figured out how to set this card up with Zelle and can now transfer funds instantly 👍 more -
Smooth process, great concept
Dec 6, 2020 Not sure why the other reviews are so negative, I had an amazingly smooth experience. I got approved on Wednesday and just received my card 3 days later today on Saturday! I came across it randomly on Instagram and I’m glad I saved the info when the launch came around. Very excited to use it more and see it grow, I hope it sticks around because it’s a great idea! more -
This is an add on review of 5 ⭐️s
Feb 9, 2021 This is an add on review of 5 ⭐️s... and that remains, the only flaw I see is 1. Takes 3-5 days to transfer funds, can y’all speed up this process to instantly?? 2. Can u please fix to where I can fund my account at an atm??? Other than that , y’all are awesome, IGNORE the negative reviews, as a 2nd checking account, one could not ask for anything more!!!!❤️💙🧡💜💗 more -
Colorful and fun so far
Dec 2, 2020 Very interesting bank concept! I chatted with some very friendly folks as I opened my account. Let’s see how long the debit card takes to arrive. So far, the app has felt smooth and easy enough to work with. Definitely better than standing outside the bank forever the other day. I’ll update as I use it more. more -
I LOVE this Bank!!!
Jan 19, 2021 I only had $20 to my name until I get paid in 2 weeks. I put $10 in gas and because I used my card, Bella surprised me with cash back!! I’m so thankful! I’m able to get through these next two weeks! I know this sounds fake, but please trust me! They are so great and you won’t be sorry! Thank you Bella!! more -
Honest Banking
Dec 16, 2020 I’ve had nothing but success with Bella. The Bella surprises are nice and the karma account is a great way to help out strangers with almost no effort on my part. This is definitely a different kind of bank and is replacing my old brick and mortar account. It’s nice having a bank that seems to care about more than just money, if that makes any sense. more -
Amazing!
Feb 25, 2021 Love everything so far! Iv received 4 Bella surprises and multiple tabs picked up. Customer service has been amazing when Iv had a few questions about some deposit times. Does take a little longer then I’m use to for like a return to come back but you can see it and that it’s coming. But besides that...LOVEEEE more
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Community
DO NOT WASTE YOUR TIME WITH BELLA
Mar 19, 2021 I have been waiting since Friday to find out why they closed my acct. I haven't received an email and customer service can't tell you anything You don't want the frustration. I never used my acct I was waiting for my taxes and stimulus but they closed my acct the day they were to be deposited.The best I can get out of customer service is wait for an email. I better not hold my breath. DONT WASTE YOUR TIME. BELLA DOESN'T CARE ANYTHING ABOUT THERE MEMBERS. more -
Don’t do it
Dec 9, 2020 Their application process involves giving them your name, address, DOB, and SSN yet they can easily deny you. Unlike ANY other financial institution, they refuse to provide reasons for denying applications. Check their social media pages to see what I mean! They claim the reason is to reduce “fraud risk” but the only fraud is giving them your info to store for their own purposes. I’m concerned. Please check your credit report to make sure to check for fraud risk. I’m only changing my rating when they demonstrate some integrity... more
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Community
DO NOT WASTE YOUR TIME WITH BELLA
Mar 19, 2021 I have been waiting since Friday to find out why they closed my acct. I haven't received an email and customer service can't tell you anything You don't want the frustration. I never used my acct I was waiting for my taxes and stimulus but they closed my acct the day they were to be deposited.The best I can get out of customer service is wait for an email. I better not hold my breath. DONT WASTE YOUR TIME. BELLA DOESN'T CARE ANYTHING ABOUT THERE MEMBERS. more
No reviews available
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Quick and easy application
Dec 7, 2020 I came across this app through an ad in Candycrush of all places. Intrigued, I decided to look into it further. Not only do they have the awesome possibility of cash back bonuses and the karma account, they’re also insured for up to $5 million by the FDIC. To be clear, most traditional banks are only insured up to $250K. Not that I need it, but it’s an interesting way to further differentiate from traditional banks. I felt compelled to write this review because of all the 1-star reviews stating how much trouble it was to sign up. Not my experience AT all. Took fewer than 5 minutes and they didn’t even require me to deposit money to start the account. Most traditional banks seem to require at least $50 to get started. The only slightly annoying part about opening the account was having to type in codes sent to your email and phone 4 different times. But seriously, under 5 minutes. I should receive my card in 7-10 days and will update this review should anything shady occur! Honestly, I’m really excited to see if this concept works out. more -
Bella is AMAZING 🤩
Jan 12, 2021 I’m always looking around to find which is the best online bank and came across and few but decided to try out Bella. To my surprise I’ve already received 2 Bella Surprises and someone picked up my tab, they covered the cost of my purchase, within the month that they’ve been running. I think it’s a great feature, being able to receive random cash back from 5% - 200%. I try to use this card as often as possible since it is random. And with the second surprise I received I now funded my karma account to cover someone else’s tab. I see people having trouble signing up, I didn’t have much trouble and did so about 2 weeks before they had everything up and running and even got a free T-shirt from a promo they had one day. I still do have a physical bank just because I like to know I can use their atm and do other business I might need. So I don’t have much trouble on that end. when I did need to speak with customer service they were just a message away through the Bella App and even though it was really late at night. I think they are definitely worth the try & who knows they might gift you an amazing surprise. Bella definitely loves me. 🥰 more -
Lots of cash back
Jan 12, 2021 So far, I love this bank. I think the design could use some work to make it feel like other banking apps, but that’s really the only thing I dislike about it. I’ve gotten Bella Surprises and “karma” account surprises where others have paid for my small purchases. I like that you can also put money into the karma account and help surprise others by picking up their small purchases. The debit card is super cute too! more -
Smooth process, great concept
Dec 6, 2020 Not sure why the other reviews are so negative, I had an amazingly smooth experience. I got approved on Wednesday and just received my card 3 days later today on Saturday! I came across it randomly on Instagram and I’m glad I saved the info when the launch came around. Very excited to use it more and see it grow, I hope it sticks around because it’s a great idea! more -
This is an add on review of 5 ⭐️s
Feb 9, 2021 This is an add on review of 5 ⭐️s... and that remains, the only flaw I see is 1. Takes 3-5 days to transfer funds, can y’all speed up this process to instantly?? 2. Can u please fix to where I can fund my account at an atm??? Other than that , y’all are awesome, IGNORE the negative reviews, as a 2nd checking account, one could not ask for anything more!!!!❤️💙🧡💜💗 more -
Colorful and fun so far
Dec 2, 2020 Very interesting bank concept! I chatted with some very friendly folks as I opened my account. Let’s see how long the debit card takes to arrive. So far, the app has felt smooth and easy enough to work with. Definitely better than standing outside the bank forever the other day. I’ll update as I use it more. more -
I LOVE this Bank!!!
Jan 19, 2021 I only had $20 to my name until I get paid in 2 weeks. I put $10 in gas and because I used my card, Bella surprised me with cash back!! I’m so thankful! I’m able to get through these next two weeks! I know this sounds fake, but please trust me! They are so great and you won’t be sorry! Thank you Bella!! more -
Honest Banking
Dec 16, 2020 I’ve had nothing but success with Bella. The Bella surprises are nice and the karma account is a great way to help out strangers with almost no effort on my part. This is definitely a different kind of bank and is replacing my old brick and mortar account. It’s nice having a bank that seems to care about more than just money, if that makes any sense. more -
Amazing!
Feb 25, 2021 Love everything so far! Iv received 4 Bella surprises and multiple tabs picked up. Customer service has been amazing when Iv had a few questions about some deposit times. Does take a little longer then I’m use to for like a return to come back but you can see it and that it’s coming. But besides that...LOVEEEE more -
Love This Bank
Jan 5, 2021 I love this bank the application process was smooth and easy, the features are unique, and the overall functionality of the app is perfect , I just hope they include mobile check deposit in the future
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Need to improve customer service + account funding
Jan 15, 2021 Signing up was a breeze, card came within a week, but trying to transfer funds from my other checking account took around 5 days! I also had a somewhat negative experience in the chat with a customer service rep who was clearly somewhere overseas and couldn’t communicate in English efficiently. The second chat I had was much better, and they suggested using Cash App to fund my account which was MUCH quicker! Received 12% cash back on my first purchase and I’m excited to continue exploring what Bella has to offer as they grow! UPDATE: finally figured out how to set this card up with Zelle and can now transfer funds instantly 👍 more -
Off to a great start
Dec 8, 2020 So far I’m liking this account. The app is a little glitchy and freezes. I wish that I would get transaction notifications for deposits and debit card usage. Another feature that would be nice is a save your change feature that would round up purchases to the nearest dollar and move to a savings account. more -
Great bank substitute
Jan 20, 2021 Love everything about this bank/app. Only down side is if you don’t have your direct deposit going straight to card then it takes 5-7 days from when you send funds from your other accounts to the Bella account. I gave 4 stars for the time it takes to fund money to card. more
No reviews available
No reviews available
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Community
DO NOT WASTE YOUR TIME WITH BELLA
Mar 19, 2021 I have been waiting since Friday to find out why they closed my acct. I haven't received an email and customer service can't tell you anything You don't want the frustration. I never used my acct I was waiting for my taxes and stimulus but they closed my acct the day they were to be deposited.The best I can get out of customer service is wait for an email. I better not hold my breath. DONT WASTE YOUR TIME. BELLA DOESN'T CARE ANYTHING ABOUT THERE MEMBERS. more -
Don’t do it
Dec 9, 2020 Their application process involves giving them your name, address, DOB, and SSN yet they can easily deny you. Unlike ANY other financial institution, they refuse to provide reasons for denying applications. Check their social media pages to see what I mean! They claim the reason is to reduce “fraud risk” but the only fraud is giving them your info to store for their own purposes. I’m concerned. Please check your credit report to make sure to check for fraud risk. I’m only changing my rating when they demonstrate some integrity... more
What’s Groovy
I wasn't really sure what to expect because I don't really need a new bank account/debit card at the moment. I have two credit cards and the cashback on them, ranging from 1-5%, compels me to use them for pretty much everything. In about two years though, I'll have to start paying monthly fees on my Chase checking account, so I thought I might as well see how online banking is any different from the usual. Tentatively signed up for Bella, got their card - which does admittedly feel a little flimsy compared to the thicker quality cards I'm used to. I purchased from Aliexpress twice, once last night and once just now. Lo and behold I got hit with their surprise cashback - and 174% of it to be exact. They just covered the cost of the cute tank I bought & a little of the stuff I bought last night. For just that, I have to give them this raving review. I'm looking forward to surprise cashbacks in the future. It won't always be 174%, but the possibility of getting more than just the usual 1-1.5% is more than enough to get some users to stay using Bella. I'm going to see if I can sign my sister up for it as well. I'm excited to see how the Karma features work out as well :)
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What’s Subpar
WARNING do not use this bank as your primary. When they lock your account with no warning and provide no means of contact them other than via the app’s chat. It will take you AT LEAST A WEEK to have your funds unfrozen and accessible.
In the meantime any scheduled deposits will also be refused (normally a frozen account still receives their incoming deposits).
They do not have mobile check deposit, a direct deposit form that many places require to setup payments to you.
There it chat support is unable to see attempted transactions that were declined (Bella push notified of a declined transaction but did not specify the merchant, chat support could not see any failed transaction and said it was them doing maintenance. It was my monthly Xbox Live, got the msg on my Xbox about the failed payment)
Oh and that Bella Surprise feature?? Yeah consider that a non feature. For the first month I received Bella surprises on a little over 10% of my 1000 transactions that month. In Jan I received 2 then account was frozen. After account restored. I HAVE NOT RECEIVED A SINGLE SUPRISE OR KARMA IN A MONTH AND A HALF.
Bella Love Me Not
#BellaLovesMeNot
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Release Notes
1.0.10
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