Milli Reviews

by Sheri Loves God

I tried to open an account through Milli and after it asked me to verify and set my password through my email address Milli just sticks on the page that says “signing in”and has my email address underneath it. There is no phone number to call anyone, and when I used the chat, the bot said it would get me to live agent. The agent didn’t introduce themselves, and I had to ask if I now speaking to an agent and their reply was “Can you just answer the questions.” I said I didn’t know if I was speaking to an agent because there was no introduction. The next thing the person typed was “My name is Kelly.” With her bad customer service and my first impression being that Milli doesn’t work properly I don’t think I’ll proceed dealing with this bank.

by Warriorsheart39

This is by far the worst bank I have tried to get an account with. I was denied, which is cool, I can handle that. However, they will not tell you why you are denied and say the same thing to you every time.
They tell you that they don’t check with the Chex system, or a credit check. But yet they won’t give you the requirements to see if you can meet them to get an account. That tells you it’s by random selection most likely. Actually, probably afraid of paying the high interest rate. Or even worse, perhaps they are selling our data. I mean I think that is what bothers me the most about it. They take my name, address, social security number, and then deny me and refuse to tell me why. That sounds like a scam to me. Be cautious I say.

by Jane Doe4897273

Stability of getting to app is still not solid. Today I click Milli and it blinks and disappears. This is very concerning when the only way to get to my money and transfer things is via the mobile app and it’s down. This needs to be reliable so I can get to my money 24/7.

by Pjt3

Horrible experience so far with this company!!!! They will hold your money and not pay interest on it!! Over a week now and they “claim” they don’t have it when it’s already debited from the account I transferred it from!! They finally said I would have it in my account today but when I looked it still isn’t. It’s already passed their hold time but no change. I talked to multiple people including Sara who is supposed to be a manager. But she then lied to me about them not having my money, claimed was getting interest on it when I wasn't, refused to clear it when I have 100x the amount I transferred already in my acct, then said she was trying to help!!! WOW this lady needs to be fired When I said ok then credit my account with the interest that I was suppose to get, she refused!! Last week they then flagged my acct as fraudulent and refused to allow any activity (wouldn’t even let me withdraw my money. They wouldn’t say why they flagged my account, how long it would take to resolve, and they even locked me out of it so I couldn’t log in. CRAZY COMPANY and rotten to the core! I’m out of here!

by Gcdshhedn

My credit is good & I have no legal issues. Like a previous review mentioned, it’s suspicious and after reading through all the paperwork it seems likely their main goal is to collect people’s information which they blatantly say they will share with third parties for various reasons. Take this into consideration.

by Bitzy7

I’ve been rejected twice from opening an account. A problem which seems common after looking at additional reviews. Terrible customer service, I just straight up stopped getting reply’s. The technical support email linked in their own app is an invalid email. Really frustrated that I feel ghosted by a company after giving them my very personal information. Super disappointed.

by Hmmmm…..

Please don’t use this unless you want to access to your money. Let me emphasize there is nothing you can actually do about. Customer service can’t answer your question besides “your account is restricted and we can’t provide updates”. You can’t call anyone. You can’t escalate, you can’t email anyone. There is absolutely nothing you can do. And they will not tell you anything.

by NE In CO

Beware!
I haven’t had any issues with Milli crashing or not recognizing my face. But IT WILL take the FULL TEN BUSINESS DAYS (read: TWO FULL WEEKS) to see your money in your this app account. I messaged customer service to ask why and of course “it’s for my protection.” Huh?? My money left my credit union bank the same day I requested the transfer from the this app app but two full weeks later and it still has not posted. They also said it would be faster to initiate the transfer from my other bank and not via their app. Wow - lots of confidence lost with that one. I transfer funds between other banks frequently and have never had it take more than two business days, even when I had just opened my account. Zelle is faster. Venmo is faster. It doesn’t make any sense and I’m rethinking if this high interest rate is worth the hassle. I decided to try this app because it’s owned by FNBO but so far I’m not happy with it.

by Chrie89

Overall, I don’t tend to write reviews about services I haven’t had a chance to experience. But, I had to make an exception here.

Originally, I had downloaded Milli and signed up to try this app. However, after signing up I received a message saying “We’ll contact you when it’s time to onboard, thanks for checking us out, etc.” This was August.

So since then, no one from this app has reached out to me. I logged in today just for the heck of it and I got the same message as I previously did.

So in 4 months, this app’s staff couldn’t determine whether or not to enroll me? I reached out to their customer service and they gave me the same language as above.

Do you (this app) want folks to actually use Milli or not?

by Mat-xx

Milli interface is great, the APR is great, but the customer support is bad enough to make it all count for nothing. There are real people at the other end of the support@ email address
It doesn’t matter if you provide, but they appear to be entirely beholden to an AI customer filtering system that “ uses several determining factors, including, but not limited to, personal
information discrepancies or an inability to validate identity.” It doesn’t matter if you can provide documentation or proof of your identity—if their computer system decides it can’t verify your identity with an just an email address, name, birthday and SSN then too bad, so sad.

The baffling part is that I KNOW I AM ME lol it looks like I’m not the only one who has had this experience because the one star reviews outnumber the 5s. I guess I’ll add my voice to the chorus of people frustrated with Milli-centric savings account and move on. *sigh*

by 70TammylM

I don’t recommend anyone ever open an account with this so called bank. I opened an account a few months ago and seemed ok at first. I connected this app account with direct deposit of my pay checks, but the very first deposit within minutes of my pay being deposited into the account they restricted it. They claim that there was what seems to be fraudulent activity in my account. You can’t talk to anyone , they won’t respond to my chat messages and ignore my emails. I’ve been emailing and sending chat messages almost every day with no luck. I’m still waiting for a resolution to this matter. I can’t access my money and it’s been almost 2 months and I’m still waiting. This has been one of the worst experiences of which has caused me high levels of stress , frustration and behind on bills due to not being able to access my money.

by Tylerprice5499

Been under investigation for 3 weeks for a transfer from an online sale on TCGplayer every time I use Milli support chat it tells me they can’t provide me with updates that the fraud operation team will reach out to me through email they haven’t reached out but once to tell me my account was restricted haven’t heard back since to give me an update I just hope they don’t try to steal my money I’m furious once I get my money I will never use them for a bank again

by Leannawills

I was very interested in opening an account with this app due to the competitive interest rates, but when I downloaded Milli and attempted to create an account, and Milli kept crashing. I set up a user name and password, then when trying to enter my personal information it failed to give me a keyboard to enter my information, then crashed. I logged in again, and the keyboard appeared, but then Milli crashed and closed on the very next screen. I tried to log in AGAIN, but this time I didn’t have a keyboard appear when I clicked into the on the log in screen, so had to close it out again.
What faith can I have in this product if Milli is so poor that I can’t even complete the process to set up the account?

So disappointing.

by Henry Richhart

Despite the other negative reviews left, I decided to try out this app. Although I wish I’d have been able to create an account, after entering my information truly and accurately, it says they are “unable to approve my request for an account” due to various “requirements.”

I had thought other people who experienced this were doing something sketchy. But I was legitimate in my application and was not submitting fake information.

Thinking this must have been an error, I even reached out to support and received an opaque, cut-paste answer. I was again told, the requirements were “including but not limited to” identity verification. I don’t know how my identity couldn’t be verified using the information provided? I can’t help but feel a bit wrongly accused.

In sum: feel free to try out this app. Maybe you won’t get through the account creation process, maybe you will. If you don’t, support certainly won’t even look in to it for you—they side with the algorithms I guess. This is a review of the experience I had, and it was bad. Perhaps if you could create an account, it would be a good way to save.

by Zona.ey

I downloaded Milli , filled out all the required information and was told they were unable to approve my request and that the team could not answer questions. No reason given and there is no reason I should not have been approved. I’ll take my money elsewhere.

by YOYOGAS

This application is a joke taking more than 5 days to deposit and clear your electronic deposit that takes the most banks 2 working days to have any checks deposited funds available for 100 % withdrawals in 2 days. This application and bank is violating national banks deposits regulations and banking protocols.

by J69886988

The first time I used this I had $1,000 stolen from my account and was unable to talk to anyone about it or file a fraudulent claim because there is no way to contact them outside of email and I just kept getting the same generic automated email.
Don’t waste your time using this,, it’s beyond a joke

by Abbieb123

I applied for an account from them and they denied me even though I have no financial mistakes on my record. When I emailed them to find out why I was denied, they told me they couldn’t tell me due to “security reasons”. There was no attempt to make the situation right or help a potential user get an account.

by Alpinex

Run run away, I sent this bank $300,000 and they restricted my funds for 30+ days. They are so understaff their investigation department can’t get back you the case timely. They wanted me to prove the source of the accounts I was sending the funds from was under my name. I did that and I am still waiting for my accounts to be restricted. Unless you don’t need your money go to another online bank.

by Daniel_G75

They will lock your account for “suspicious activity” simply because you added funds to it. There is no number to call, only a chat or email assistance option that results in any assistance taking forever.

by Firewall0207

As others have said, I’m well established financially with an excellent credit rating. I was declined from opening an account without explanation or recourse. Its a deposit account not even a credit line. Odd. Not sure what the secret sauce is, but not a good experience. I’ll take my money elsewhere.

by Brandon OOOOOOO

Milli is complete trash. The lag times on deposit and withdraw far outweigh the value of the APR. They will also freeze your account for no reason. Then, they will not let you close your account. So they freeze your account so you can’t withdraw your money, and they wont let you close the account so you can get your money back. If you file a complaint and a request to close, they just say your account is being reviewed. This has been going on for week! AGAIN.. this is a SCAM! Take your money and run!

by Metalheart

Installed app, filled out and signed a number of forms. It asked for my employer, SSN, address etc. Generally uncomfortable with giving this information to just anyone, but figured this was a “bank” so they need it.

After giving them all my personal info and submitting, I got a strange rejection: “you do not meet our requirements and we are unable to create your account.” No reason or explanation provided in any form. I feel like I just gave my personal info to some sort of fraudsters!

by Belly Peckerbutt

I really wanted a relationship with this app but it wasn’t meant to be. I like the concept, a bare bones offshoot of the First National Bank of Omaha that resides solely online and through an app only. Couple that with just 2 accounts, savings and checking, and they found a way to offer the highest yield you can find. Here’s the problem-customer service. It just isn’t there. I would gladly take .5% less on the yield to be able to set up my account, but I cant. When it got hard for them I was ignored. Oh well, my search continues. Any recommendations out there? I got a pop up just as I was writing this from this app so I continued setting up the account. At the end they said I didn’t qualify. What? They’re a joke. Avoid, avoid, avoid!

by VTbones

Opened a savings account in mid-September. Immediately deposited a large sum of money. A day later, they restricted my account for possible fraud. It’s now early November, and my account is still restricted, and I can’t get anyone from this app to respond to me. I haven’t had access to my money for almost two months now. I lodged a complaint with the CFPB. Looking through other complaints, I wasn’t the only one.
As for Milli itself… it’s buggy. Asks you to choose a new PIN every time you login. Also allows you to set up face recognition, but then never uses it. Just does two-factor authentication.

by Mcgaha J

I put in money in my this app account and got restricted for fraudulent activities. It’s been 3 months and no phone number to call . The number on the platform gives a different email to contact and the Automatic response in the chat app give a different email to contact too . This is bad unlike the regular banks where you can actually talk to someone and have your problem fixed or chat with a human and have your problem resolved . I do not think this bank should be in Existence. They lock peoples money away for long with no good information or even try to help . If I can give no Star I would.

by Forever Restricted

I opened an account after hearing about the high yield. Right after starting a savings account, my account got restricted claiming it needs manual review and I can’t access any of my money from the account. It’s now been restricted for over 3 weeks. They tell me that there’s no timeframe for when to expect my account to be reviewed. I have no trust in this product and will take my money out and close my account as soon as I can.

by Brandon.w666

Just my experience, hopefully yours would be better. Took 11 business days to deposit my $100. In this time I already transferred 30k into Wealthfront. Then I go to withdraw my money back and they blocked my external bank. Funny how it wasn’t blocked when I went to deposit the money though?… I’m still waiting to get my money out and ultimately close the account. They don’t even have a support number.. and currently their online agents are clueless. Tread VERY CAREFULLY.

by Russell Glenn K

I made a Transfer from my chase bank to this app, the user agreement says it takes up to 10 business days before this app accepts it. Now my money has successfully transferred to this app, all of a sudden my account is restricted?????

I cannot get money out or use my Card! After a successful transaction of over $6k!!!!

I need a response and I need this to be sorted out. After texting the investigation team no response for over one month now! My name is RUSSELL GLENN KADERLIK, I need this to be sorted

by UX-Dani

Any user trusting a cloud bank wants to see a notification and balance transfer pending message in their accounts. So a week after transferring my hefty opening balance, I’m seeing nothing and getting a circular message when I call customer service to use chat inside Milli . And SPOILER: Milli will not load properly and a screen takeover message says it’s having development problems… yet this app is emailing me that a plastic debit card is on the way. This is not a positive start.

by Blondo88

Slow, unreliable app that takes forever to load data every time you launch Milli . Creepy tracking permissions that I’ve never seen any other banking app ask for. Terrible website with no way to interact with your account besides the slow mobile app. Every year they have bugs with new OS updates. And all owned by a bank (FNBO) that has a history of killing other services and has been fined for deceptive practices.

These are just a few of the things you can look forward to if you sign up for this app. Save yourself some headaches and look at Chime or Ally or any one of the 50 neobanks that already has a product like this but 10x better.

by Tommyboy422

Horrible custom service. Received debt card but activation takes you to an ad. Phone number on debit card not active!

by JJP BMW

Hello, my iPhone 14 pro max with most updated iOS won’t load. Since I can’t access my savings account outside Milli , how soon will Milli be patched? Thanks!

by Fuckukikoff

I have been TRYING to download Milli . I started at 2 pm. It is NOW 8:35 pm and still shows it has installing??!!!!!
I think I would like to destroy all the bad reception areas on earth

by EGregious0ne

Milli is for people who don’t find the irs invasive enough. I was dropped, no explanation given after two hours of answering questions.

by Sick Of Shopping

Editing my previous review:

this app gave all users only 1 week notice that they would be dropping their APY from 5.5% to 4.75%. This is quite a jump, considering most people (like me) only joined for the high APY. I am closing my account with them.

—-

I signed up for this account because of the great rate - obviously! There isn’t really another reason to sign up. They deliver on the rate, and even have a daily interest tracker. It’s paid out monthly and compounds daily. They also automatically upgraded me to 5.5% APY which was a nice surprise. The most annoying thing I have run into so far is that it takes 10 business days for external transfers to go through - this is for money both into and out of the account. It’s easy enough to get around this by initiating transfers into the account through your own bank, but I did not know this the first time around and my 2k initial transfer was in the metaverse for a bit which stressed me out. When you sign up for this app you automatically get a spending account and a debit card so I assume if you desperately needed access to your money quickly you could put it on the card and take out cash, but a 10 day wait for your own money is excessive. If you are looking for high consistent interest and to watch your savings grow, I would recommend this bank. If you want to easily move your money or to be liquid, this probably isn’t it for you.

by CrepeGoat

I gave them all my info, they denied me an account, they gave no explanation due to “security reasons”. No sweet, sweet 5.25% APY for me ¯\_(ツ)_/¯

by Kkccnngg

I transferred my money on March 21 to the account. As of today, April 2nd, no interest is posted to my account!

by Delusional App

Seems like phishing. We all have 800plus credit scores. Careful.

by Happy HORSE💩

Cannot register because no place to enter access code
Ridiculous waiting 2 days for tech support.

Only way friend can transfer

by Lcpichette

More than once a week I have to delete and reinstall Milli because it just won’t open. Open clicking it, it quits itself. It continues to do this until I delete and reinstall.

Ridiculous for an app to do this.

Pros:
- Aesthetic card and app design (subjective)
- Lots of jars (savings accounts with goals) w/o fees and great savings rates
- There doesn’t *seem* to be fines or limits to depositing/withdrawing from/to savings accounts.
- Very new bank that seems ready to break through the noise… The pro here is potential.
- Consistent, reliable push notifications.

Cons:
- Can’t change category of purchases, basically making the categories useless due to inaccuracies
- Can’t make new categories or rules to associate recurring purchases to certain categories
- Very few, generic, spending categories. A lot gets labeled under “shopping”. Gee, thanks.
- Did I mention the outrageous amount of crashing?

Can’t give it more than a 2 with its current condition.

If: no crashing? A 4.

If: highly-customizable categories? The best banking option there is.

by Gambler Rambler

Milli always have technical issues. I am a new user. I signed up with this app Bank because of their 5.25% APY for high yield savings account. I was able to sign up but was never able to log in. I contacted their customer support team and they said a tech support will reach out to be in 3-5 business days. That was Sept. 4, 2023. Today is Sept. 18, 2023. I still haven’t heard back and I followed up 3x within the past 2 weeks. Nothing at all. Everytime I open Milli the technical difficulty screen is still popping up. I’ve deleted Milli and reinstalled it multiple times. Fortunately, I was able to find another bank that is offering even more APY, so I’m no longer waiting for this app Bank to get back to me. But that was a part of my experience with this app Bank.

I’m giving them a two star instead of one because their customer support team was very responsive and patient with answering all my questions before the technical difficulty thing happened with their app. I’ve never heard of this app Bank so I had a lot of questions, and their customer service made me feel that they will be there for their customers whenever needed. They’ve built trust. But…

by Leczybboy

I recommended this app to my friend and within hours of her opening an account, she linked account and transferred money into the this app and they restricted the account the next day, the money was pending for 7 days and available in the balance on the 7th day and the restriction is still there after the money was available, she texted them on the 4th day while the money was still pending that why the restriction on her account and they said they wanted to verify the linked account. So why the restriction is still there when the money has been available after 7 days.

by Kathy Braa

I don’t know if this app is real bank or, my suncoast credit union bank could not be found on plaid and my and my synovus bank was unable to linked to it, is there any other ways to fund my this app savings

by Poke Fan Since 5th Grade

I’ve asked for many years for joint accounts to be an option, and honestly it’s not that hard of a feature to add (most online banks I’ve come across allow joint accounts). I feel most husbands and wives share their money, and pay bills, etc. Not allowing joint accounts makes it incredibly difficult to budget and manage who pays what bills.

by Ezy04

1. Don’t see security measures like 2 step authentication
2. Limited deposits, guess that’s a good thing for now because I wouldn’t put a lot of money in Milli
3. Dull, it’s simple but the features are lacking

by KevDaCosta

Seriously your money won’t go in for weeks despite being out of your bank. Apple hysa is almost instant. I’m worried they won’t be in business long or I won’t be able to get money out.

by Markmolloy

What’s scary is that since the only way to see and access your money is through Milli. It stopped recognizing facial recognition and they haven’t fixed it for 2 weeks. I continue to get errors.

I love the 5.25% interest I get but the whole app experience is really lacking. Texting support is slow. They usually take 24 hours or more to respond.

by Rmsundee

I’ve been using this app for the previous 6 months and it has met most of my needs. I’ve not encountered any issues.

I like the ability to easily create accounts for specific goals/needs.

What I don’t like:
1 - cannot see or edit the transfer dates into Jars. It’s mysterious for no reason. Per this app support they took it away because it wasn’t used. I find this very strange and odd. You should be able to easily determine when a transfer into a Jar will occur.

2 - cannot setup automatic recurring transfers from external accounts. They promote set it and forget it, but no way to do that from an external account. Per this app support 22 weeks ago, this feature is “coming soon”.

3 - cannot connect an external account via Plaid or other service.

by RealmenloveR&B

I've been using this app for a few months now and have not experienced others' problems with the application or account access. I successfully removed $1k from my account without problem and hope that larger withdrawals are also uneventful. I appreciate the interest rates and mobile interface, but the time to complete transfers initiated from Milli are excessively long (10 business days) and there is currently no way to track account balances through 3rd party platforms (e.g., Mint). The former problem can be worked around by initiating all transfers from your external bank if the about can be found, which I initially could not through Bank of America. It would be great to be able to track the accounts on another platform and I really hope that feature is made available soon.

by OmgTiredofTryingNicknameswtf

Downloaded this week and am running into app issues left and right. Hopefully they’ll get these things smoothed over asap. Got kicked out of Milli while setting up, then kept getting an error when trying to connect my bank (I ended up going through my bank’s website), can’t scroll to see full page while creating a savings jar. Customer service has answered my emails promptly. Sticking around for the high APR, for now. I will give it time. If I needed frequent access to my money I probably would go elsewhere. But I’m looking to park long-term savings so hopefully once I jump through all the hoops I’ll be able to leave it be.

by Reya1279

but it requires u to be 18+

by TylerKcornelius

Milli seems simple and straightforward enough to use, but the way this app operates just doesn’t inspire much confidence as a place to park large sums of money.

This isn’t a deal breaker, but the “up to 5 business days” transfer time realistically means that your funds will not show up until 11:59pm on the 5th business day. I wish they’d just say that it will take 5 business days, but again not a dealbreaker.

When I opened my account, the rate was advertised at 5.5%. Apparently they had already announced a rate drop to 4.75% to existing customers, but nobody felt the need to share that information with me as I was opening my account. My rate dropped before my first deposit had even cleared with no warning or communication at all.

The in-app chat function is really clunky. I’m constantly typing and sending messages only to see that the second half of what I typed is cut off and just didn’t send.

I’ll continue using this app for now - I like the Jars feature, and 4.75% isn’t a bad rate by any means…but unless they make some changes to how they communicate and they fix the bugs with their app (which is the only way to access your account or the customer service chat so it’s pretty essential it functions well), I won’t have much hesitation withdrawing everything to a competing platform if I stumble across a good one.

by JacobW209

The apy is great and the no fee aspect is nice on the side, but Milli - the only interface with the bank - feels like it’s still a prototype. I have had to reinstall twice because it crashed upon opening. the jars are confusing and there is not much documentation linked as well. This bank could be a great find, just not sure it’s there yet.

by Tailormadegirl32

I really don’t like the 10 days (workday’s) it takes for money to show up after transfer. I saw a lot of negative reviews AFTER I opened my account. So far so good but I am nervous that I may have issues if I try to withdraw my money as this was a common complaint from customers. I’m really hoping that the turn around for cash can be shorter. Some other companies have a 3 day turnaround.

by Peterryanhouse

I have had no issues. Milli is very user friendly and have made about 25 transfers over the past few months. The interest is deposited monthly and you can’t beat the rate. I am slightly concerned and skeptical if I ever have an issue because the support is through messaging on Milli and don’t see any way to contact a person on the phone. This is kind of scary and I don’t plan on putting my life savings in the account.

by Bentcard

I’ve been using this app for over a year and there’s a lot to like. Savings rates are terrific and moving money around is very easy. I like the savings jars and the reports on how my money is spent. The one thing I wish it had was ability to open joint accounts. If it did, I would probably make this my main account with my spouse.

by Hoped1983738

This mobile bank makes it easy to save money for specific goals and Milli is easy to navigate. It’s clear to see transactions and interest earned.

by JMarchView

This is one of the absolute best banking fintech apps I have ever used, it’s very user friendly and is focused around saving money, not spending it. 10/10 recommend everyone to use it.

by BillyD PharmD

I have been using this app for months now. I love how easy Milli is. Love the jars and the customization that can be added to them like goals, date, pictures etc. they have off a high APR. their customer support team has been great. I have requested updates to certain things within Milli . One was to add how much interest had been earned so far that month. Within a month or so that new feature was added. The only con I have found is that I can connect this account automatic through plaid and stuff, so i has to be linked manually to accounts. But otherwise I love it.

by LooneyTycoonProductions

I have no problems with Milli . They didn’t ask anymore than any other bank would have asked. They have there own safety measures and I respect that, I think everyone should relax and put some money in there to save.

by Adam08764

I’ve been a customer for a while now and find this bank and Milli to be welcoming, easy to work with and very intuitive. I get everything out of it I’d need in a local bank but online and at my finger tips resulting in better products for me and excellent customer service via the channel I want it. Great rate for my money and cool and intuitive features that help me spend, save and learn from my behaviors. I have not seen this type of UI/UX from other offerings. It is clean and slick yet backed with trust and security. Personally, I’ve been very impressed and look forward to the continued evolution of the product and mission. Job well done, this app team.

by Emperor Y

This Fintech bank app is amazingly amazing. Good for saving money with a high APY interest. Using Milli is really friendly. Easy to use and really great. I love it and I’m going and will be placing large most of my asset there. I really love it.

by Young Summoner

Super easy to get an account going with them. Bank linkage is super simple and transfers take about 4 days. HYSA interest paid monthly and compounded daily just not sure if they issue bans or not as I’ve heard this before. Wouldn’t be good to lose access to a high yield account.. worth it if nothing bad happens to it

by Stefp_18

I found out about this app through some online research a few months ago and at the time they offered a 5.25% APY with their savings account and it has recently been upped to 5.50% APY. This is my first time leaving an app review but I had to let people know that this app is legit and if you're keeping your money in a CD or savings account that isn't getting you at least 5.50% APY then download this app and start taking advantage of their savings account!

I also noticed there were many reviews of people having issues with Milli but personally I haven't had a single issue. Milli has a user-friendly interface and is easy to navigate, add money, make withdrawals, and transfer money between accounts.

by Martellus30

this is your sign to give it a chance, you might just be glad you did. the simplistic theme and convenient views, along with the ability to move money an unlimited number of times between all accounts and jars, for someone that is constantly making financial adjustments, has definitely served as a breath of fresh air. for once, i feel like an institution is more concerned with their actual product and what it Actually does for the consumer/client, as opposed to being concerned with a corporate image and the policies/fees that come along with it. thank you this app, for truly being one of one. never change and you can continue to find an advocate in me. i am Genuinely looking forward to banking with your institution because i already know the future is bright.

by A_gutta

Screens such as account detail with easy access to account number and routing number make it easy to setup UPI type payment apps while traveling outside the United States. All other banking apps require navigating multiple screens/clicks to access this simple information. Kudos to Ux/Cx designers at this app !!

by Michael123456894736

My friend put me onto this bank and it’s a GAME CHANGER. Best interest rate in the game with almost no drawbacks that you have with a CD (1-2 year no withdrawals).

Money deposits post within 5 days, and withdrawing money takes about 5-10. Perfect for a teacher who gets paid 10 months on the year. I save part of each check in this app where it grows interest, then pay myself in the summer time.

It’s absolutely insane to me more folks haven’t caught on to this bank.

5.5% APY and there is NO requirements to make that number other than having a little money in the account. Unheard of.

I’ve noticed some negative reviews complaining about transfer time for money and I find that to be a silly.

1) Would you rather have a slightly longer transit time for your cash - or have lower interest rates?

2) Would you rather have longer transit time for your money or have to have 10 debit transactions or spend x amount of money per month to get that rate? That’s what you get everywhere else.

I’m all in on this app and would recommend to my closest family members.

by Sam M ONE

I love my this app app, it’s my best user experience between all 4 banks that I have accounts with. This is way better than my chase, Bank of America and Ally banking apps.
My pocket loves the high interest rate, and it’s great that now there is an interest accrued widget that tells me exactly how much I have earned. The experience is very modern, intuitive and the couple times I have used chat for support has been very responsive and helpful. I highly recommend Milli only bank. I would love to shorten the time it takes to transfer money from my Bank of America to mill as i lose 10 days of interest! But I know it’s probably out of Millie’s hands and more about compliance.

by Lasburb

I never give reviews however I feel this one deserves attention. My husband and I have been with traditional banks and we were always so disappointed about the meager interest we would earn.
Now we are excited everyday to see how much we have earned in interest at this app. We have a competition going now to see who can save and earn the most interest in our accounts. Silly but exciting. And although I don’t speak with live support they have always been able to help me and in a pretty timely manner. I am glad I stumbled across this bank!

by Gd Bank

Any company paying you through this bank app made a good bank

by Please Fix- Hayley

I’ve always been a little hesitant to try new finance or banking apps, but I’ve been very impressed with my experience with this app. I’ve made way more money in interest with this app than I would have at my other bank. I find the interface easy to use and I like the ability to create savings jars for individual saving goals. I don’t use the Spending account much, but it’s nice to have there if I want to use it. Overall, I would recommend Milli.

by 8l15t3r

Have been using this app for 2 weeks. No issues at all with opening an account, took about 3 days. So far I’ve moved money into and out of the account multiple times and none have been flagged as fraud or placed on any extended holds
I connected my external bank to my this app account from both sides, as external accounts in both banks

Adding money to my this app account: Transaction processed through this app- 6 days Transaction processed through external bank- 2 days
Pulling money out of my this app account: Transaction processed through this app- 3 days Transaction processed through external bank- 4 days
(Not using the this app spending account, so can’t comment on that at all)

At first I was hesitant based on app store reviews so I’ve only been moving $10-20 at a time to confirm that the two banks were able to send/receive without issue. So far so good

by Boodles07

At first when I applied they denied me and I have a FICO score above 825! It confused me. So I sent them an email and a follow up came with a possible explanation. They said the evaluation screening may have made a mistake. The agent sent in my application for review and I was approved in 10 minutes! For those of you that get denied, don’t take it personally, it’s just likely a stupid automated algorithm that is denying you. Send them an email, get approved, and start making that sweet 5.5% interest before it goes lower! I love watching my interest accrue daily. Great feature. Jars is a great feature as well. I’m not worried about bank failure, my money is FDIC insured up to $250,000 so I feel safe with my investment. Again, don’t take it personally if you were denied. Contact them and reapply!

by DatgalSal

Great app, especially for saving money/ hitting financial goals! The only struggle for me is transferring money to my account since it always takes the 10 business day to be added to the account. It comes out of my other accounts right away but is pending for 10 business days on the this app account. No problem with withdrawal or anything else - 1 business day or less/ instant and free withdrawal which is great.

by Nonamesleftman

This is the first app review I’ve ever left and I’ve used iPhones for eight years, so I guess that says something.

My experience has been great! Never had any login issues, the new daily interest rate counter is fun to look at every day, and the time transfer from chase to this app or vice versa is only about 2-3 days. I hope this great experience keeps up!