# Dave: how AI models rank it, October 2026

HR AI Recommendation Index, October 2026 Edition. Named in 14 judge labels across 3 categories by 10 of 14 models. Page: https://hr-ai-index.com/vendors/dave/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Earned wage access | 0% | 54 | 82% | 11 |
| Financial wellness platforms | 0% | 115 | 100% | 2 |
| Compensation management | 0% | 116 | 100% | 1 |

## And against it

- "report lists Dave as one of the bigger direct-to-borrower companies, with no direct connection to the employer or wage records" (Muse Glimmer 30B, Earned wage access)
- "Frequently flagged for charging monthly subscription fees regardless of usage, plus tips." (Qwen 3.7 Flash, Earned wage access)
- "Same Pennsylvania lawsuit as MoneyLion; ads emphasize "instant" cash while hiding costs" (Kimi K2, Earned wage access)
- "Avoid "Direct-to-Consumer" Apps ... (which include apps like Dave, Brigit, and Earnin)" (GLM 4.7 FlashX, Earned wage access)

## Movement since September 2026

Floor: 13 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Earned wage access: 2% to 0%, −2. Inside the floor by 11 points · rank 11 → 54 of 54.
- Financial wellness platforms: 0% to 0%, ±0. New · not ranked in September 2026 · rank 115 of 117.
- Compensation management: 0% to 0%, ±0. New · not ranked in September 2026 · rank 116 of 140.

## In its own words

What Dave's own pages state, read 2026-09-28. Stated by the vendor, not checked by the index.

- Positioning: best mobile financial app (https://dave.com/)
- For: millions of people (https://dave.com/)
- Price stated: Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers. (https://dave.com/)
- Certifications: FDIC-insured up to $250,000, Member FDIC

## What it publishes

Every page dave.com exposes, read 2026-09-29: 137 addresses. By kind, pages and the last 90 days:

- blog: 13 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 1 pages, 0 in the last 90 days, latest undated
- report or ebook: 1 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 1 pages, 0 in the last 90 days, latest undated
- news or press: 36 pages, 0 in the last 90 days, latest undated

## Record

- Method: https://hr-ai-index.com/methodology/
- Raw judge labels and full responses: https://hr-ai-index.com/data/
- License: CC BY 4.0. Cite as HR AI Recommendation Index, October 2026 Edition, hr-ai-index.com.