Spiral - Mobile Banking Reviews

Spiral Reviews

Published by on 2022-11-03

🏷️ About: Spiral is an ethical banking app that rewards users for making a social impact. The app allows users to earn and make a social impact every day by shopping at any restaurant, coffee shop, gas station, hotel, and more. Spiral also offers a giving account that allows users to donate to over 1 million eligible charities across the U.S. and matches donations up to $150 a year. The app has no minimum balance, no monthly fees, and offers early direct deposit.


       


Is Spiral Safe to Use?

We Investigate the app owner's website (Spiral.us), verify their legitimacy, and uncover hidden scams and complaints.


Overall Customer Experience 😎


🤬 Negative experience
66.7%

😎 Positive experience
33.3%

🫥 Neutral
0.0%

~ from Justuseapp.com NLP analysis of 987 combined software reviews.

Is Spiral Safe?
Spiral - Mobile Banking appears generally safe, but use with caution.
33.3/100

  Safety Analysis »»

Is Spiral Legit?
Spiral - Mobile Banking appears legitimate, though exercise caution.
33.3/100



Summary of Customer Reviews (Takeaways): 💎

- The app allows users to donate to multiple charities and keep track of their donations in one place.

- The app is easy to use and provides a convenient way to manage donations and transactions.

- The concept of giving back to the community while using a banking app is appealing to some users.



Read 22 Customer Service Reviews 😠💢

4.8 out of 5
Deceiving Bonus Peactices

Signed up because they had a good 200 dollar bonus program going if you make direct deposits of 1,000 for two consecutive months. Come January 1st, they change the terms of the deal and make it 1,500 for two consecutive months starting at the end of the new promotion period which is January 31st. I.e the clock has restarted for people who have been making 1,000 direct deposits for a couple of payroll cycles.

If I could leave Zero stars I would

Talk about a total nightmare for a “bank” and I use the term bank very loosely when referencing this app. I had a personal account and then we opened one for my mom and funded it from my external bank account. They waited until the transfer was completed and the debit card arrived (cancelled already mind you) to inform us that not only would they be closing her account because it goes against their Ts & Cs to use an external account to fund the opening of a new this app account if it’s in someone else’s name regardless if they authorized it or not. Ok fine whatever. Well then they inform me by email (now bear in mind that our this app accounts were NOT connected in any way) that they are canceling and closing my account as well! I don’t know who came up with the business model behind this atrocity posing to be a bank but after doing some research I wouldn’t trust them with 1 cent of my money ever again. It took me filing a dispute with my external bank to force them to send back the $200 they were trying to hold hostage. NEVER AGAIN! they should be shut down and I have contacted the BBB and made them well aware of the sketchy and unethical way they are conducting business.

Great App/Product

The entire concept of this bank is fantastic! I use Spiral not only to follow up on my transactions, but also as a one-stop-shop, allowing me to find a desired charity and donate to it. Spiral is very intuitive, colorful and informative.

God working for you all the time

I’m ecstatic about Spiral! Banking and donationing-This is not what I think of when I think of brick and mortar banks or financial institutions. I’m so happy about this new app! Download it!

Innovating for a better world

The concept of this app bank is great & pace of innovation with the application is impressive. Go change the works team! You make the act of doing good easy 🙏

Banking with a purpose

We all have a bank account because we have to, but other than stashing money or getting a direct deposit the service is purely and only link to us. Nothing beyond that, this banking up has exactly all the benefits of a regular bank with the only difference that you are actually contributing to your community. I love it!

Intuitive bank app

Super easy to use. Great functionality. The concept of giving back is spot on and finally someone is innovating also for the greater good!

Innovative banking for a cause!

this app has provided me with the option to donate to charity in terms best/easiest way possible. By banking with this app I have been able to give back to causes I love at just the press of a button!

Amazing product

Spiral has made it so easy to bank, check my balances, and donate to my favorite charity with ease! I don’t typically review apps, but this one is so good I had to. Thank you, this app, for coming out with such an amazing process!

User friendly and amazing!

Numbers and finances don’t make sense to me, but with Spiral I’m able to understand.
Everything for easy banking is here. Plus the mission is an added bonus for why Spiral is amazing!

Great bank with a purpose

Really enjoy my new bank that has all the features that I need, user friendly, and makes it easy to do good. Loving it!

Just brilliant

This all concept of banking is beautiful and futuristic (hope our future is going to be that positive) the idea of matching donations is amazing, and Spiral is so easy to use easy on the eyes, future of banking is so much better then the old one..

Amazing App concept

Very easy to use, great interface that makes you even more happy to make some donations and to contribute to any cause that is dear to you! Bravo, keep going, we need people like you, who are rethinking the banking industry to make it more generous and sustainable…

Proud to be a part of Spiral

As someone who worked for a major financial institution for a decade, it is nice to be a part of a new bank that cares about its consumers and has created such a positive way to do banking and creating a community of givers. What an extremely kind establishment, so glad I joined.

Great Concept! ❤️

This is an amazing product, I love how easy is to donate to different causes. It allow me to start a savings account and round up my change for charities I cara about. And the plus? Spiral is really intuitive and easy to use. Keep up the good work!

Banking online that makes you feels good’

If you haven’t tried Spiral, you are missing out. Its easy to navigate, do everything you your regular banks does and contribute and donate to a bigger better cause. Safe, secure and reliable. You must check it out!!

Big yes!

Super easy to use Spiral to track all expenses and donations. Links easily to other accounts and just very intuitive. You don’t need to have donations coming out of a million accounts or set reminders for yourself anymore. Spiral does it all for me. Very happy!

Amazing app!

this app is an amazing app! I love how easy it is to track my transactions and donations. The whole concept is also great - being able to give back to charities I care about all in one app and simultaneously being a banking app has been so convenient. Highly recommend!

Awesome App - Easy to Donate

I’m a giver who donates when something inspires me. That leaves me with donations out of multiple accounts and poor record keeping. With the this app app, I search for my charity, donate and within seconds my donation is on it’s way. This provides me the ability to keep all of my donations in one place.

Wonderful, simplistic and easy to use. Love it!

Love the concept

Love this bank’s concept. Spiral is really easy to use and makes it easy to see all my transactions as well as donate to any charity. Going to use it to track my side business’ expenses and donations, so I can easily file taxes next year.

I love this app!

Finally a banking app that fits my lifestyle. Being socially responsible is important to me and this app allows me to do that with every swipe of my debit card. It’s also by far the most user friendly banking app I’ve ever used. Thank you for making this!

Raina McLeod
2022-04-15

I've had nothing but trouble from the time I open my account with spiral. First there isn't an app for Android yet but online it says it does until you go to download it and it says it's coming soon well not soon enough. Then when making my first deposit there was an issue because the account I used was in my first name and my spiral is in my Middle name so I had to proof it was me on both accounts so they unlocked my account. Then I get my card in and I can't activate it. Then having to login online I'm always getting a something went wrong if it continues contact customer support. Well customer support is only Monday-Friday 8-5 well I can never talk to them anymore because I work nights so I'm normally sleeping around those times and when I'm not it's not on my mind to call them. Then the help section is a joke it doesn't cover the important stuff like under debit card it has one question and that's it and it's what is a debit card? Or something stupid like that. If someone has to ask that question then they shouldn't be opening an account my 11 year old son knew what a debit card was when he was 3 I'm mean come on. Now, I'm having issues with activating my debit card is something there should definitely be an answer for. You can't even call like most banks to activate it thru an automated service there's only 2 options 1 to dispute a transaction and digital wallet 2 to leave a message. They aren't gonna last long unless they hurry up and update everything and be more customer friendly. I definitely liked Bella loves me way better it's sad they are closing. Needless to say I'm done with spiral it was a waste of my time.



Is Spiral Safe? 🙏

Spiral - Mobile Banking appears generally safe, but use with caution. JustUseApp Safety Score for Spiral is 33.3/100.
This assessment is based on our NLP analysis of 987 user reviews. Combined with the app store average rating of 4.8/5.

Safety Analysis

88.1% of users say app is safe 👍
88.1%

8.7% of users have some concerns ⚠️
8.7%

3.2% of users say app is risky 🚨
3.2%


Is Spiral Legit? 💯

Spiral - Mobile Banking appears legitimate, though exercise caution. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for Spiral is 33.3/100 .
This conclusion is based on analysis of 987 user reviews.

🔏 Privacy & Data Safety

Spiral collected the following data from you:

  • Data Used to Track You:
    • Contact Info
    • Identifiers
  • Data Linked to You:
    • Financial Info
    • Contact Info
    • Identifiers
    • Diagnostics



How was your experience with Spiral - Mobile Banking? Post a Review




Features

- Shop at any restaurant, coffee shop, gas station, hotel, and more, and Spiral will donate to plant trees and provide clean water, meals, and safe shelter to people in need.

- Round up to the nearest dollar and use that money to support the causes you care about.

- Easily donate and discover over 1 million eligible charities across the U.S. Spiral matches donations up to $150 a year.

- No minimum balance, no monthly fees, and no ACH transfer fees.

- Get paid up to two days early with direct deposit.

- Connect external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more.

- Personal customer service team available to help with any needs.

- All deposit accounts are issued by nbkc bank, Member FDIC. Deposits can be insured up to $250,000.

  Contact Support
Developer:
Spiral Financial

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