Frequently Asked Questions

If you need money quickly, Bree can provide access to up to $750 at 0% interest! No credit check is required. Tips are optional, but they help us offer our services to other Bree members. So, if Bree helped you out, show your appreciation!

There isn’t one! Need help covering a bill? Bree can send up to $750 to your chequing account in just a couple of days or even minutes (for a small fee if you choose our express option).

Using Bree doesn’t impact your credit score and there are no late fees or penalties (we’re friends, remember!).

Need help protecting yourself from overdraft fees? Bree can help! First, sign up here. We'll verify that:

1. You have connected your chequing account to Bree.
2. You have a consistent income source being deposited into your chequing account. Yes, government benefits count!
3. Your account activity shows enough room in your budget for the repayment date you select.
   

To do this, we review the last two months of transactions in your chequing account to confirm your income pattern and cash flow. We look for at least two consistent income deposits (such as deposits on the 15th and last day of the month).

We also check that your account is likely to have enough remaining funds after your selected repayment date. Bree is designed to help with overdraft protection, and we want to make sure using Bree does not create extra financial stress.

A helpful tip: keep enough money in your account to cover your regular bills after your selected repayment date. This helps Bree confirm there is a lower risk of overdraft.

If you’re eligible, you can request funds right from your Bree dashboard to help cover upcoming expenses. We’ll only send funds if you request them or affirmatively choose to accept an offer.

There are no costs to access Bree’s funding service, and any funds you choose to receive are free. However, you may be given the option to expedite the delivery of funds for a fee. You may also be asked if you would like to provide Bree with a voluntary tip in appreciation of the service. Both the option to expedite delivery and tipping is entirely voluntary and neither affect your eligibility for funds in any way. Please refer to Bree’s Terms of Use for additional details.

1. Click on the "Join Bree" button in the top right corner of our site
2. Create an account
3. Join Bree and verify your banking details so we have all the information we need from you
4. Confirm your repayment date
5. Choose your delivery option (free standard delivery in 1-3 business days or express delivery in less than 5 minutes for a small fee)
6. Submit your application. If you're approved, we'll send the cash directly to your bank account!

Bree lives off of tips, kind of like a waiter. So, while tipping is optional, it’s greatly appreciated!

Tips allow us to help people without charging the insane interest rates of most banks. Bree charges 0% interest. Compare that to the 3,250% APR your bank charges for overdraft fees!

When you request funds in the app, you'll see two delivery options:

STANDARD

Free! Standard delivery take 1-3 business days (example: if you submit your request on Friday, funds may arrive as early as the following Monday, no later than Wednesday).

EXPRESS

Small Fee and arrives within 5 minutes!

Heads up! Once your request has been confirmed, we're unable to change your delivery speed.

Standard delivery sends funds to your chequing account and Express delivery sends funds to your connected debit card. BAM – money. How easy is that?

Using Bree won't have any impact on your credit score, positive or negative.

We also don't do a credit pull, not even a soft one. The information you provide is only used to verify your identity. So, your credit is completely unaffected.

Need to talk to someone? No worries, we're happy to help! Contact us via email at support@trybree.com and a friend from customer service should get back to you within 24 hours.

Great! That's how we like it. But honestly, there's no catch.

The fact is, people are so tired of being taken advantage of by banks that we're able to support our business almost entirely off of user donations. That's right - tipping Bree allows us to provide 0% interest advances to you and the whole Bree community.

Here at Bree, we are so serious about your security that we go above and beyond the standard practices to keep you and your data safe.

• Our access to your accounts is read-only (we cannot overwrite or modify your data) and we use 2048-bit encryption to protect the transmission of your data to our site. Your password, social insurance number, and other sensitive data are all encrypted.
• We do not store your online banking credentials and never will. Your banking credentials are only used once to authenticate and verify that the account you provide belongs to you.
• Our data centre is monitored 24/7 by security personnel. We enlist independent, third-party experts in the field of application security to assess our site for vulnerabilities and confirm and validate the security of our site.
• We use firewalls and undertake other security precautions for extra protection.