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Wave Money

Wave Money

Wave HQ

Wave Money is the free business bank account that does your bookkeeping for you.

4.2 Ratings 161+ Reviews 10K+ Downloads

Ratings & Reviews

Write a Review
  • Mar 14, 2021

    By James Martinez
    Overall, I love wave but I have a couple of criticisms. First wave shows as prepaid so I can't use it to pay some of my professional bills such as my commercial auto insurance. Second, the mobile deposit feature makes you wait over a week to access your funds after the deposit activity which is deadly for small business owners like myself. I had to borrow money to cover bills that my revenue is supposed to pay because it is caught up in the waiting process. NOT COOL!!!
  • Apr 22, 2021

    By Steven Higgins
    works well with Wave accounting, which is the selling point. But there are some important bank features missing like no bank statements which posed any issue when I applied for an SBA loan as they wanted bank statements. And you can't change or view your business address for the bank account. You have to contact customer support to do so. No travel alerts can be placed on the debit card if traveling for business either. So great for accounting software, not great yet as a bank account
  • From customer #1... Jun 30, 2020

    By eMatthewDj
    Yes, I was just as surprised to find out I was the first to sign up for this. Didn’t even realize the service was a beta at the time. Over the last few months, this team has taken Wave Money from a simple digital card service to a reliable, easy-to-use, and modern “alternative” to small-business checking. The integration with Wave’s invoicing and accounting system is perfected. And, instant payouts paired with their surcharge-free ATM network means that when I client pays me, I can have cold hard cash in my hands by the end of the day. NICE! This may sound like an ad, but I honestly just love what they’ve done here. Should you try it? Well, my startup is slowly moving ALL of our accounting to Wave’s platform now that this app is out of beta. How’s that for trust? To the Wave Money team... Great work guys! Can’t wait to see what you add next!!
  • Apr 2, 2021

    By Ben Eubanks
    Like being able to pay vendors from the app. very easy to use. Wish it automatically tracked those vendor payments in the accounting system. also, no savings account so no way of keeping retained earnings in Wave.
  • Exclusive and Awesome Jul 23, 2021

    By 1301 Productions
    Definitely, a life changing experience, thank you so much for creating innovative systems and processes!!!!
  • Apr 12, 2021

    By Celeste Hall
    Thank you, thank you, thank you!!!! You have taken so much stress off of my shoulders by doing all the finance requirements for my small business like taxes, payroll, expensing etc, helping me learn what is required and all of it at no cost.
  • Get Wave Money!!! Aug 5, 2020

    By God Is Transforming Me
    Wave is great! Simply magnificent.
  • Jul 3, 2021

    By Cody Carlson
    it is OK, but has lower limits and feels less accessible than my other business accounts.
  • Feb 20, 2021

    By Alexandria Cox
    app is pretty buggy and often shuts down. the card is classified as prepaid so a lot of my business expenses can't go on it as well. I love where it is headed but they don't have dedicated support who understand this portion of the business and those that do are unavailable by anything but email.
  • Feb 18, 2021

    By Hullio GQ
    App is okay for showing transactions. Not a fully fledged bank app. Service is limited. Debit card shows up as "prepaid card" on PayPal & other payment processors.
  • Mar 14, 2021

    By James Martinez
    Overall, I love wave but I have a couple of criticisms. First wave shows as prepaid so I can't use it to pay some of my professional bills such as my commercial auto insurance. Second, the mobile deposit feature makes you wait over a week to access your funds after the deposit activity which is deadly for small business owners like myself. I had to borrow money to cover bills that my revenue is supposed to pay because it is caught up in the waiting process. NOT COOL!!!
  • Apr 22, 2021

    By Steven Higgins
    works well with Wave accounting, which is the selling point. But there are some important bank features missing like no bank statements which posed any issue when I applied for an SBA loan as they wanted bank statements. And you can't change or view your business address for the bank account. You have to contact customer support to do so. No travel alerts can be placed on the debit card if traveling for business either. So great for accounting software, not great yet as a bank account
  • From customer #1... Jun 30, 2020

    By eMatthewDj
    Yes, I was just as surprised to find out I was the first to sign up for this. Didn’t even realize the service was a beta at the time. Over the last few months, this team has taken Wave Money from a simple digital card service to a reliable, easy-to-use, and modern “alternative” to small-business checking. The integration with Wave’s invoicing and accounting system is perfected. And, instant payouts paired with their surcharge-free ATM network means that when I client pays me, I can have cold hard cash in my hands by the end of the day. NICE! This may sound like an ad, but I honestly just love what they’ve done here. Should you try it? Well, my startup is slowly moving ALL of our accounting to Wave’s platform now that this app is out of beta. How’s that for trust? To the Wave Money team... Great work guys! Can’t wait to see what you add next!!
  • Apr 2, 2021

    By Ben Eubanks
    Like being able to pay vendors from the app. very easy to use. Wish it automatically tracked those vendor payments in the accounting system. also, no savings account so no way of keeping retained earnings in Wave.
  • Exclusive and Awesome Jul 23, 2021

    By 1301 Productions
    Definitely, a life changing experience, thank you so much for creating innovative systems and processes!!!!
  • Apr 12, 2021

    By Celeste Hall
    Thank you, thank you, thank you!!!! You have taken so much stress off of my shoulders by doing all the finance requirements for my small business like taxes, payroll, expensing etc, helping me learn what is required and all of it at no cost.
  • Get Wave Money!!! Aug 5, 2020

    By God Is Transforming Me
    Wave is great! Simply magnificent.
  • Jul 3, 2021

    By Cody Carlson
    it is OK, but has lower limits and feels less accessible than my other business accounts.
  • Feb 20, 2021

    By Alexandria Cox
    app is pretty buggy and often shuts down. the card is classified as prepaid so a lot of my business expenses can't go on it as well. I love where it is headed but they don't have dedicated support who understand this portion of the business and those that do are unavailable by anything but email.
  • Feb 18, 2021

    By Hullio GQ
    App is okay for showing transactions. Not a fully fledged bank app. Service is limited. Debit card shows up as "prepaid card" on PayPal & other payment processors.
  • Misleading and disappointing Jan 2, 2021

    By jaykayok
    Been a regular Wave Apps customer for a year, and use their payouts system for one of my clients. When Wave Money was announced, I was super excited to get on board so I could get fee-free instant payouts, as is promised right on their marketing and sign-up site. When I finally got off the waitlist, I switched my payout bank to Wave Money right away. When my client paid, I naturally expected to get it right away. I did not. Upon contacting their support, they told me that I have to be approved for this feature, and they are not going to because my payout amounts are low (I guess $30k/year is low). I was not informed of this anywhere. Beyond that the app just takes wayyy too long to load up. None of my other bank apps take this long. Wave, fix your messaging or roll out instant payouts for all your customers as was previously promised.
  • Jun 27, 2021

    By K G
    Business BEWARE! Ive had this company hold my payouts TWICE with no reason. I was being paid for months when they did it the 1st time. 2nd it's been 10 months, 10 payouts 0 complaints or issues with my payouts or banks. Today it said I could instantly cash out a portion ($500) of my funds then it said ON HOLD PENDING REVIEW, (AGAIN). no reason, no support, no answers. If they did it to review their lame Wave debit thats Worse! Venmo business if you want a RELIABLE SERVICE
  • Completely useless Jun 16, 2021

    By KRAinLA
    My card gets declined for every single transaction despite how much money I have in my account. They’ve told me there’s some bug that makes my card look like a prepaid card, and they have no idea how long it’ll be before it’s fixed. Have to changed business bank accounts yet again.
  • Apr 8, 2021

    By Carl Wilhelm
    Was invited but couldnt complete signup without tapping to scroll backwards by month in the calendar popup 5100 times to get to my birthyear! It wont let you just type dob.
  • DONT CREATE AN ACCOUNT-its a scam Jun 10, 2021

    By Carrera22
    Wave loves to take artist-gig paid workers money. They will take unnecessary fees all along the way, and with NO phone support this enterprise is one to watch out for. There’s plenty of other apps out there that don’t take as high of fees as WaveMoney does. There customer service is a bot and the people are unhelpful a**h**** Be careful!
  • Jun 5, 2021

    By Jacob Joyner
    The app keeps loading and doesn't do anything else except load.
  • May 18, 2021

    By Sidney Ventura Vega V
    ID Scan doesn't work. Will change review when it does.
  • Mar 22, 2021

    By Kimberly Thomas
    Cannot get through to customer service number!
  • Jun 7, 2021

    By Bronwyn Ramey
    It was ok for the first month or so, but now the app is coming "unplugged" every couple of seconds. I can't do anything at all, including making am important deposit. I've cleared cache, cleared data, quit, force-quit, restarted, and I'm/reinstalled. Nothing.
  • Feb 5, 2021

    By Sandra K. Westrope, PhD
    App fails constantly. Every time I try to use the app, it opens and then fails. I get a message to go back to the Dashboard. I have uninstalled and reinstalled the app numerous times. I've cleared the cache. I've restarted my device. The Wave app fails too. Every time I try to edit an invoice, I get error messages that it can't do it and to retry. These apps used to work great. Now, they really suck.

No reviews available

No reviews available

  • From customer #1... Jun 30, 2020

    By eMatthewDj
    Yes, I was just as surprised to find out I was the first to sign up for this. Didn’t even realize the service was a beta at the time. Over the last few months, this team has taken Wave Money from a simple digital card service to a reliable, easy-to-use, and modern “alternative” to small-business checking. The integration with Wave’s invoicing and accounting system is perfected. And, instant payouts paired with their surcharge-free ATM network means that when I client pays me, I can have cold hard cash in my hands by the end of the day. NICE! This may sound like an ad, but I honestly just love what they’ve done here. Should you try it? Well, my startup is slowly moving ALL of our accounting to Wave’s platform now that this app is out of beta. How’s that for trust? To the Wave Money team... Great work guys! Can’t wait to see what you add next!!
  • Exclusive and Awesome Jul 23, 2021

    By 1301 Productions
    Definitely, a life changing experience, thank you so much for creating innovative systems and processes!!!!
  • Apr 12, 2021

    By Celeste Hall
    Thank you, thank you, thank you!!!! You have taken so much stress off of my shoulders by doing all the finance requirements for my small business like taxes, payroll, expensing etc, helping me learn what is required and all of it at no cost.
  • Get Wave Money!!! Aug 5, 2020

    By God Is Transforming Me
    Wave is great! Simply magnificent.
  • Jul 10, 2021

    By DeCall Thomas
    very good card with their wave app
  • Nov 30, 2020

    By Paul Roark
    I'm waiting for more features (like mobile check deposits), but the onboarding experience was great and I love how it integrates with other wave solutions.
  • Apr 22, 2021

    By Steven Higgins
    works well with Wave accounting, which is the selling point. But there are some important bank features missing like no bank statements which posed any issue when I applied for an SBA loan as they wanted bank statements. And you can't change or view your business address for the bank account. You have to contact customer support to do so. No travel alerts can be placed on the debit card if traveling for business either. So great for accounting software, not great yet as a bank account
  • Apr 2, 2021

    By Ben Eubanks
    Like being able to pay vendors from the app. very easy to use. Wish it automatically tracked those vendor payments in the accounting system. also, no savings account so no way of keeping retained earnings in Wave.
  • Mar 14, 2021

    By James Martinez
    Overall, I love wave but I have a couple of criticisms. First wave shows as prepaid so I can't use it to pay some of my professional bills such as my commercial auto insurance. Second, the mobile deposit feature makes you wait over a week to access your funds after the deposit activity which is deadly for small business owners like myself. I had to borrow money to cover bills that my revenue is supposed to pay because it is caught up in the waiting process. NOT COOL!!!
  • Jul 3, 2021

    By Cody Carlson
    it is OK, but has lower limits and feels less accessible than my other business accounts.
  • Feb 20, 2021

    By Alexandria Cox
    app is pretty buggy and often shuts down. the card is classified as prepaid so a lot of my business expenses can't go on it as well. I love where it is headed but they don't have dedicated support who understand this portion of the business and those that do are unavailable by anything but email.
  • Feb 18, 2021

    By Hullio GQ
    App is okay for showing transactions. Not a fully fledged bank app. Service is limited. Debit card shows up as "prepaid card" on PayPal & other payment processors.
  • Misleading and disappointing Jan 2, 2021

    By jaykayok
    Been a regular Wave Apps customer for a year, and use their payouts system for one of my clients. When Wave Money was announced, I was super excited to get on board so I could get fee-free instant payouts, as is promised right on their marketing and sign-up site. When I finally got off the waitlist, I switched my payout bank to Wave Money right away. When my client paid, I naturally expected to get it right away. I did not. Upon contacting their support, they told me that I have to be approved for this feature, and they are not going to because my payout amounts are low (I guess $30k/year is low). I was not informed of this anywhere. Beyond that the app just takes wayyy too long to load up. None of my other bank apps take this long. Wave, fix your messaging or roll out instant payouts for all your customers as was previously promised.
  • Mar 22, 2021

    By Kimberly Thomas
    Cannot get through to customer service number!
  • Jun 7, 2021

    By Bronwyn Ramey
    It was ok for the first month or so, but now the app is coming "unplugged" every couple of seconds. I can't do anything at all, including making am important deposit. I've cleared cache, cleared data, quit, force-quit, restarted, and I'm/reinstalled. Nothing.
  • Jun 27, 2021

    By K G
    Business BEWARE! Ive had this company hold my payouts TWICE with no reason. I was being paid for months when they did it the 1st time. 2nd it's been 10 months, 10 payouts 0 complaints or issues with my payouts or banks. Today it said I could instantly cash out a portion ($500) of my funds then it said ON HOLD PENDING REVIEW, (AGAIN). no reason, no support, no answers. If they did it to review their lame Wave debit thats Worse! Venmo business if you want a RELIABLE SERVICE
  • Completely useless Jun 16, 2021

    By KRAinLA
    My card gets declined for every single transaction despite how much money I have in my account. They’ve told me there’s some bug that makes my card look like a prepaid card, and they have no idea how long it’ll be before it’s fixed. Have to changed business bank accounts yet again.
  • Apr 8, 2021

    By Carl Wilhelm
    Was invited but couldnt complete signup without tapping to scroll backwards by month in the calendar popup 5100 times to get to my birthyear! It wont let you just type dob.
  • DONT CREATE AN ACCOUNT-its a scam Jun 10, 2021

    By Carrera22
    Wave loves to take artist-gig paid workers money. They will take unnecessary fees all along the way, and with NO phone support this enterprise is one to watch out for. There’s plenty of other apps out there that don’t take as high of fees as WaveMoney does. There customer service is a bot and the people are unhelpful a**h**** Be careful!
  • Jun 5, 2021

    By Jacob Joyner
    The app keeps loading and doesn't do anything else except load.
  • May 18, 2021

    By Sidney Ventura Vega V
    ID Scan doesn't work. Will change review when it does.
  • Feb 5, 2021

    By Sandra K. Westrope, PhD
    App fails constantly. Every time I try to use the app, it opens and then fails. I get a message to go back to the Dashboard. I have uninstalled and reinstalled the app numerous times. I've cleared the cache. I've restarted my device. The Wave app fails too. Every time I try to edit an invoice, I get error messages that it can't do it and to retry. These apps used to work great. Now, they really suck.
  • Mar 25, 2021

    By Ben Robinson
    AVOID AT ALL COSTS... this is not a real bank or real bank account... Bad idea for a business to get tangled in what amounts to a gimmick...
  • Jul 19, 2021

    By Jay Jordan
    So very very dissatisfied this app is a joke after downloading had some weird actions then told me I'm denied can't explain a reason nor a purpose it's a joke and so disappointing..and upsetting...
  • Apr 3, 2021

    By Longrich Pennsylvania
    The app is not working

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