Affirm Debit+ App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

No cash back rewards. Card works perfectly for me. Only two drawbacks: 1. No cash back rewards 2. No other benefits like car rental insurance etc. Maybe Affirm can offer us the choices to select the above benefits by paying layered membership fees? If we have such choices available, I will close my other credit cards.

Would appear it does not work with most banks.. I certainly have appreciation for the company that is Affirm. Though when unable to enter banking info manually the only alternative (due to both banks not being listed) is to uninstall and discontinue use, no help, no guidence, simply choose another bank that you arent associated with. Consider a manual option. Until then; perhaps this app was released prematurely.

Bank Not Listed. Would love to try this out but unfortunately my bank isn’t listed

Worst experience!. The system keeps inviting and prompting me to download, then tells me I am not one of the”invited”. While I have successfully used Affirm many times, and successfully paid - on a timely basis- all obligations; this app definitely leaves bad vibes and is a discredit to Affirm.

Can’t use it. I’ve tried to use the card on multiple occasions and it just never works. Everything is connected to the account, and the money is available in my check connected account but the card just never works

Can’t see purchases. I purchased a new Apple Watch series 7 and I cannot view the purchase within the app so I don’t know if I can split up the payments because it is not showing.

Fraud. Do not get this app. After you log your bank information they will tell you it’s an error or unsuccessful. It’s just a scam to get your information. Change your password immediately!

Can’t even log in.. Can’t even log in.

Link process broken. You have the option to link to USAA but have no way to do name, password, and pin. Useless until patched.

Beta. Should put that this is in beta and is invite only vs having people download to see a screen saying join the waitlist. Feels like a way to get the stats up knowing that this app isn’t open to the general public. Great concept and hoping it will work well once open to the public.

DON’T EVEN WASTE YOUR TIME!!. WHAT A WASTE!!

Stuck. I can’t get past the “we can’t verify it’s you” and contact our support team button doesn’t do anything. Have tried to link my account several times now. I hate giving my banking info multiple times. Makes you wonder where it goes when it doesn’t work. It says “Plaid” has it. Great.

App Issue. I got an email this morning saying I was chosen to access Affirm Beta, yet when I signed up and got to the end I hit an error message saying my email is not in beta even though I clearly received a message saying that it was. Extremely disappointed in this and I’ve been using affirm for about 2 years now 😐

Amazing. Honestly this app and card works so well I’m probably going to be using it all the time. The onboarding flow including linking my account was flawless too.

New Changes Not Worth the Bother. The way the card worked before was awesome because even if you didn’t have money in your checking you could split payments. Now the way it works you have to have most of the funds available to make a purchase at that time. Affirm is still good but this debit account isn’t.

bank won't link.. tried to link my bank account, says "must disable 2 factor authentication & try again" but it is not on for my bank account. my regular affirm app works fine. this isn't.

Whats the point :/. Whats the point of this app? It tells me for me to link my bank account to be able to use affirm debit+ for purchases. Why would i do that when i have my actual debit card in my wallet/or stored in my phone and can make debit purchases with that. So you’re telling me you want me to give you access to my bank account so i can make purchases with affirm+ that I can easily make with my own debit card. I deleted the app in less than a minute. Trash. Worthless. Users: i would be wary of giving your banking access to too many apps.

Disappointed. I was approved, received my card info, applied to make several purchases under a specific amount. I was told I had 2 hours to complete my transactions. The card was denied and only approved for what was available in my personal account.

KICKED ME OFF CARD OUT OF NOWHERE!. I’ve been using debit plus for a month and tonight I went in to pay for something and was declined. Checked the app and it says to join the waitlist and my email isn’t recognizable. It kicked me off my account and I still owe money!!!!!!!!

Overall Useless. I have been using affirm for making purchases n making payments over time, in my understanding affirm debit plus should have the same concept on daily purchases. but it actually doesn’t. You would have to make a certain amount of purchase more than 100$ n not more 1000$ in order to split payment, n you have to choose to split payment, bc if you dont it would automatically pay you check account on file in 3-4 business day. Honestly i dont see the point of having this in your wallet, its best off to just make purchases directly from your checking debit.

Terrible Service. First off, I will start off by saying when the service first launched everything was fairly smooth. I was able to connect my bank, and make a few purchases successfully splitting the purchases. Then for some reason affirm had some technical issues and my bank was disconnected. I tried to re-connect and my bank was no longer supported for some reason. So i closed my account. I had one of my purchases refunded after i closed my account and its now been over a month and affirm still hasnt given me my money, and customer service has been awful everytime I reached out so at this point I dont think ill ever get my refund. Lastly, i think its stupid that you have to have enough money in your checkings account in order to complete a purchase for that matter just use your actual debit card…

Confused. I have been using affirm for a while now and paid my payments on time to find out that i was prequalified one minute and the next I wasn’t.

Affirm debit+ card. I didn’t get any Option after 24hrs to do a split I kept looking so it took $200 out my bank 3 days later

Debit + Card. I have been trying for a month to get this card and I have been told to try another bank. I don’t use another bank. I have used Affirm for years and currently they have all my bank information. This is so annoying.

Network fail error. I keep trying to finish the process and when I get to the final step, it keeps saying network fail error.. what’s going on? I truly enjoy utilizing affirm but I would enjoy the access of a debit card even more. Developer can you assist with this problem

Useless. I’ve made several transactions, yet none of them have been eligible to split. Vet bill, new tires, and groceries. All which should be eligible. So what exactly IS eligible?

Poor quality terrible customer service. I highly recommend you keep looking

Banking password req. App requires you to enter your online banking password. - Hard Pass. P.S. It’s a BETA version! You’re suppose to be reporting the glitches. Any commenters complaining and upset about the App obviously don’t understanding Beta testing. Lol

So confusing. It’s telling me that my card is available download the app. When I go through the process it says they are working on a spot for me. Whatever!!!

Give up my bank log in?. Give up full access to my bank accounts? Nah I’m good.

Attempting to Sign In!. I would love to be a member of the new Affirm Card, though every time I get to the last stage. It informs me issue with bank. Sincerely,

Pointless. Just use your own debit card no purchase is ever approved or meets the “qualifications” no matter what the amount is.

Pre-Selected List of Banks. Your list does not support all banks. I bank with my local credit union and this pre-selected list makes the app worthless to me. There should be a way to enter my bank information manually so that I can still use the app and it’s benefits. Not everyone uses these big name banks.

Passcode. After entering passcode no way to move forward.

Won’t let me split. So I purposely made a purchase of $100 at target ($106 to be exact) so I can do the split . And the app isn’t even offering it nor is it working . It just keeps saying “split amount unavailable”. What’s the point of this card if it doesn’t do what it says? Don’t recommend

Cannot Split. Purchases do not appear until after 24 hours and you no longer have option to request to split. Have to contact support several times, very glitchy!

Terrible. The closest thing to a scam! They say you can split payments but everything you purchase isn’t eligible for split payments everytime you make a purchase. They can’t even tell you why it’s ineligible either. It’s a legal scam! Might as well use your regular debit card because this one is VERY misleading and useless!!

Easy and Convenient. The app has worked flawlessly for me. I have used it on occasion to split larger purchases into equal payments for convenience. The whole process is smooth and intuitive.

Doesn’t support most banks even with Plaid. I tried in the following order, Robinhood, Chime, SoFi and even my local credit Union UCCU. Seems like they only want you if you’re dealing with the big boy banks but since I don’t I guess I won’t. Big thumbs down from me. What does it matter who I bank with, you can see my balance in plaid and you’re debiting via ACH. You’ve lost a potential customer.

Uh ok. Downloaded the app and says I’m not even on the wait list when I just received the email saying I have early access

Dangerous to connect your bank. It’s extremely dangerous to connect your banking account to this app via Plaid the processor Affirm uses to access your debit card. You see you not only forced give Plaid access to one debt card but you are forced to grant them access to EVERYTHING you have with that particular bank. They want your overall bank signin, not just one account, they get access to all debit cards you have, all credit cards, any loans and your entire bank statement, in short any and all information your bank has Plaid (and therefore Affirm) receive access to. Too massive a risk for me

Changed the iOS compatibility so I can no longer use. Changed the iOS compatibility so I can no longer use

Ok I guess. So I thought you could make a purchase up to your approved limit and split the payment up regardless of how much in checking acct. I see the slight convenience with this but would’ve been better to have the approved amount available if selecting to split payments.

Unknown Network Failure. I’ve signed up for the Affirm Debit Card Plus when they first sent out emails to get on the waitlist. Downloaded the app a few weeks ago and haven’t gotten my invitation yet. Right now as I’m writing this review, I’ve been trying to apply for the card and every time I accept the terms and conditions (the end of the application), I keep getting this error message: Unknown Network Failure. Not sure if this is from a lot of people trying to apply for the card all at once and it’s causing the app to crash or the app was released too early. Hope this issue gets resolved so I can receive my card!

FAKE Offer. Affirm invites you to take this card then tell you it is not available!!! What is the point.

Need help. I can’t even go Further and I’m trying to book a trip what’s is going on

Can’t connect bank. I have been trying to connect my bank for days now and all it says is connectivity to my back is down. Working on it. So far I can not and you can’t do anything else since it will not let you past that part. Not off to a good start.

Not working. It won’t let me finish the process. I enter my correct bank information and it keeps telling me it’s wrong on the debit plus app but I have the same information on the regular affirm app.

Says I had early access….But when I logged in it said I didn’t😑. Got an email saying I was in the beta,I downloaded the app signed in,And it says my email isn’t part of the beta. This isn’t a good start affirm…..I hope you fix this bug because I’ve been a member for years. I will update my star rating when you fix this for those of us who were denied access to beta when we got email saying we were part of it.

'connection with linked account has been lost'. again.... i'd give the app four stars, if it weren't for the alert i woke up to this morning. this will be the third time i've had to go through the process that links the app (or system backend) with my bank account. this worries me a little, given that there's never any explanation for this happening. you don't expect a financial services app (or system) to lose your user data. otherwise, the app and service have worked well for me. (although initial connection attempts are not always successful.) better documentation would be helpful--about the purchase amount preapproval process, especially.

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Can’t sign up. I’ve been waiting for this. Today I received an email to sign up and I log in, the app sends me a code to my phone I use that then it wants to send another code to my email. I never get it. So I tried to change the email address. I get the code to the other email but I get a message that says that email isn’t signed up for early access. So basically I don’t have early access even though I received an email saying I do.

Other reviewers are morons: Affirm PLEASE read.. For context: I have been waiting for the Affirm card since it was first announced. I have tons of bank accounts and am always trying to find the best new financial/tech/fintech app for managing my finances. I’m young, and have been in and out of 4-5 banks in the last year alone, jumping between the big to the small, trying to find the next big thing. Now trying out Affirm Debit+, since it seems to be compatible with all banks, and would be able to survive bank transfers. If anything, it might make it easier to attach all payments to it, then transfer money from bank-to-bank if necessary. I have had no issues like the other reviews. They clearly have minimum computer skills and/or don’t know how to install an app… let-alone sign up for an account. I had no issues with the sign-up process at all — I got my invite in the first week that emails were sent out, as far as I know. Now it comes to my ask: PLEASE, please PLEASE, for the love of god, PLEASE release a dedicated iPad app. The main Affirm app already does not have an iPad version. This could even just be a web version app packaged into a player — there doesn’t need to be any fancy. From what I’ve read, developing for iPad/tablet isn’t even difficult, especially on iOS… it’s effectively flipping a job and making sure the proportions of the UI line up. Along with that… what warranted a second application for the debit card? Why not pack it all together into the main Affirm app? Was it for early access? Ally Bank did something like this too, for card controls, and it is absolutely moronic. Just bunch them together. If you care enough about presentation, tell your developers to throw-in an option that allows users to edit the main buttons to choose what pages they need. Why would I need a second app that will inevitably need to be logged into (after I just logged into the first)? It’s just more clutter and separates your affirm purchases from your debit/main purchases — for no reason. This easily could have been achieved from a drop-down. For now… I can overlook there being two apps. If card works as well as advertised, I wouldn’t even need the main app, so to circle back to point number one point: NO PROFESSIONAL BANKING APP IS SCALING THEIR IPHONE APPS ON IPAD UP IN 2021! There really isn’t an excuse anymore — from what I read… it’s really just check-the-box and make sure the UI looks correct. Only cheap apps, or those who take iPad support as an afterthought, still have the big blank bars around the scaled up iPhone version for iPad. Then, having the app be stuck in landscape? When you force it to be the iPhone app? God. If you want to play with the big boys, please, I BEG you, release iPad support. It is unacceptable in 2021 to only have an iPhone app. For me, and others like me, it’ll be a dealbreaker. I do 99% of my work on my iPad. My iPhone is only for when I leave the house — and I’m not even looking to my phone for banking most of the time. I’ll name all the finance apps I’ve used that have iPad/iPhone support: TD Bank, Ally Bank, Wells Fargo, Charles Schwab, Ameritrade, Chase, BoA, Capital One, Fidelity, Robinhood, Marcus by Goldman, Titan, Mint, Dave, Amex… the list goes on. The only sorry excuse for an app that I still use without it is Venmo/PayPal… they’ve gotta get their B.S. together. Affirm is no longer small. You’re playing with the big-boys now. You’re partnered with Amazon & Peloton. I’m sure there’s much more to come — and I hope their is, but stop messing around. Release an iPad app. I can’t recommend this product that happens.

*BIG ISSUE WITH RETURNS*. *Beware* • I have about over $300 of Returned Items that Affirm is still charging for. I called and filed Cases but they can’t find the Returns. I have Amazon Returns for instance, shows it was Refunded, $135 that has been returned, but Affirm keep asking for the Payment even after a couple of months and they say that they cannot find the Refund. • This is very frustrating and very inconvenient when it comes to Returns.

It’s great if you utilize it properly 👌🏽✌🏽👍🏽. I love it! Was able to set up account in a breeze, and my physical debit card came in about a week. I used it for the first time today. I bought approximately $150 worth of items on Amazon and $90 worth of items at Walmart. Both transactions showed up in the app within a couple of hours. I was able to split the $150 transaction into 4, but not the $90, since it was less than the $100 threshold. The first payment for the transaction I split into 4 is due in two weeks. The second transaction that was $90 hasn’t yet been deducted from my checking account. If you know how to use the card properly, it’s great! I love the flexibility it allows. I was able to add to my digital wallet on my iPhone. I lie this debit card and will definitely keep in rotation for any transactions over $100 going forward! It’s a great budgeting tool in case I spend a few extra dollars one month.