Based on our analysis of company history, security, regulations, and 125,000+ user reviews
⚡ Quick Answer
Yes, Brigit is legit. It's a legitimate fintech company founded in 2017 with 12+ million users, 4.7★ App Store rating, $90M+ in funding from reputable investors, and bank-level security. It's not a scam, but it does have subscription fees ($0-$14.99/month) that some users find expensive.
⚠️ Disclosure
We are NOT affiliated with Brigit Inc. This is an independent analysis. Full disclosure →
Company Background: Who Is Brigit?
Let's verify Brigit's legitimacy by examining the company's background:
| Factor | Details | Verdict |
|---|---|---|
| Company Name | Brigit Inc. (Hello Brigit) | ✓ Verified |
| Founded | 2017 | ✓ 7+ years operating |
| Headquarters | New York, NY, USA | ✓ US-based |
| Founders | Zuben Mathews (CEO), Hamel Kothari | ✓ Verified LinkedIn profiles |
| Funding | $90+ million raised | ✓ Reputable investors |
| Investors | Lightspeed, Nyca Partners, Canaan, DCM | ✓ Top-tier VCs |
| Users | 12+ million | ✓ Large user base |
| BBB Rating | Not Accredited | ⚠ Not unusual for fintech |
💼 About the BBB Status
Brigit is not BBB accredited, which some see as a red flag. However, many legitimate fintech companies (including Cash App, Venmo, and Chime) are also not BBB accredited. BBB accreditation requires a fee and is voluntary—lack of accreditation doesn't indicate a scam.
Security: Is It Safe to Connect Your Bank with Brigit?
Connecting your bank account to any app can feel risky. Here's how Brigit protects your data:
256-bit Encryption
Same level of encryption used by major banks for online banking
Plaid Connection
Uses Plaid—trusted by Venmo, Coinbase, and 5,000+ apps
No Credential Storage
Brigit never stores your bank login username or password
FDIC Partner Banks
Works with FDIC-insured partner banks
Brigit: How Plaid Works
When you connect your bank to Brigit, you're actually logging in through Plaid—a trusted intermediary used by thousands of financial apps. Plaid:
- Encrypts your credentials during transmission
- Provides read-only access (Brigit can view but not transfer your money without permission)
- Allows you to revoke access at any time
- Is audited and compliant with financial regulations
What Do Real Users Say with Brigit?
We analyzed user reviews across multiple platforms:
| Platform | Rating | Reviews | Analysis |
|---|---|---|---|
| Apple App Store | 4.7/5 ★ | ~85,000 | Excellent |
| Google Play Store | 4.2/5 ★ | ~40,000 | Good |
| Trustpilot | 4.3/5 ★ | ~3,500 | Good |
| BBB | 2.1/5 ★ | ~200 | Mixed (complaints) |
✓ Common Positive Reviews
- "Saved me from overdraft fees multiple times"
- "Fast and easy to use"
- "No credit check, no judgment"
- "Express delivery is genuinely quick"
- "Credit Builder actually improved my score"
✗ Common Complaints (Not Scam Indicators)
- "Monthly subscription feels expensive" — Real concern, but disclosed pricing
- "My limit is lower than expected" — Algorithm-based, not a scam
- "Hard to cancel subscription" — UI issue, not fraud
- "Bank connection issues" — Technical, not intentional
- "Limit decreased without explanation" — Frustrating but legitimate risk management
Brigit: Scam Red Flags Check
We checked Brigit against common scam indicators:
| Red Flag | Brigit | Status |
|---|---|---|
| Hidden fees | Pricing clearly disclosed ($0-$14.99/mo) | ✓ Pass |
| Upfront payment required | Free tier available, no upfront costs | ✓ Pass |
| Too good to be true promises | Realistic claims about advance limits | ✓ Pass |
| No physical address | NYC headquarters verified | ✓ Pass |
| No customer support | In-app support, email, help center | ✓ Pass |
| Pressure tactics | No aggressive sales tactics | ✓ Pass |
| Anonymous founders | Founders have LinkedIn, press coverage | ✓ Pass |
| No app store presence | Official apps on App Store & Play Store | ✓ Pass |
Brigit: Legitimate Concerns (Not Scams)
While Brigit is legitimate, there are real concerns worth considering:
Brigit: 1. Subscription Cost
$8.99-$14.99/month ($108-$180/year) is real money. If you rarely need advances, cheaper alternatives exist.
Brigit: 2. Variable Limits
Your advance limit is determined by an algorithm and can change. This frustrates users but isn't fraudulent—it's risk management.
Brigit: 3. Automatic Repayment
Brigit automatically debits your account on payday. If you forget, it could cause issues. But there are no late fees.
Brigit: 4. Not a Bank
Brigit is a fintech company, not a bank. Your advances are not FDIC-insured (though their partner banks are FDIC-insured).
Final Verdict: Is Brigit Legit?
✓ Yes, Brigit Is Legitimate
Based on our analysis, Brigit is a real, legitimate financial technology company—not a scam. It has millions of users, transparent pricing, strong security practices, reputable investors, and years of operating history.
Brigit IS:
- A legitimate cash advance app
- Safe to connect to your bank
- Transparent about pricing
- Backed by reputable investors
Brigit is NOT:
- A scam or fraud
- Free (subscription required for full features)
- A guaranteed approval for everyone
- A bank (it's a fintech company)