Money at 30: Charlie Messenger Review

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Money at 30: Charlie Messenger Review

No matter who you are, we could also use a little help when it comes to handling our money. This could mean everything from hiring a financial advisor or talking to a savvy friend to using an app or online service to keep an eye on your spending. But what if you could combine the feeling of chatting with a peer with the features offered by many finance apps? That’s the basic idea behind Charlie — a Messenger chatbot built to help you save money and better manage your finances.

So how does this friendly cartoon penguin accomplish such a lofty goal? Let’s take a look at how Charlie works and whether it’s worth striking up a conversation with.

Signing Up for Charlie

Where to find Charlie

As I mentioned, Charlie isn’t an app but a Facebook Messenger bot. Of course, if you go to Facebook and search “Charlie,” you’re probably more likely to find the profile for your third cousin or middle school bully than this bot. Instead I’ve had better luck searching “Hi Charlie” — or you can go directly to their Facebook page. From there you can click/tap the “Sign Up” button to get started.


Before you opt into Charlie, Facebook will confirm that the service can access your publically displayed information. This means that Charlie will address you by name. After kicking things off with the “Get Started” chat button, the bot will offer a few prompts you can go through to view how the service works and get some of your questions about security and such answered. Then, when you’re ready to get started for real, you’ll want to connect your accounts.

Linking accounts

In order to experience the full benefits of Charlie and explore its features, you’ll want to link your various bank accounts and credit cards. Like oh so many other personal finance tools, this service uses Plaid to do this securely. To add an account to Charlie, you’ll first need to click the “Connect” prompt that shows during the tutorial or just tell Charlie you’d like to add an account and it’ll send the link again. Then you’ll just need to select your bank or card issuer and log into your online account. Once complete, the bot will be able to view your transaction data but won’t be able to make any transactions.

Interacting with Charlie

Talking to Charlie via Messenger reminds me a bit of chatting with Digit via text. Of course there are a couple of very key differences between the two services. For one, Charlie is free while Digit now charges $5 a month. The other major difference is that, while Digit is able to move money on your behalf, Charlie can only view transactions and make recommendations. With that in mind, what exactly can Charlie do?


One of the standard prompts you can send to Charlie is “Ideas.” Doing so will prompt the service to share a tip or recommendation. In my experience, some of these are more personalized while others are fairly generic. This also seems to be one of the main ways the service monetizes, presumably earning affiliate revenue from the other sites and companies it pitches.

To give you an example of the Ideas I’ve encountered, my first came from Charlie realizing that I spend a fair amount on Starbucks each month. When it then asked if I wanted to hear an idea to save money on this, I was a bit worried it was gonna attempt to sell me on the Starbucks credit card from Chase or just, you know, tell me to buy a Keurig. Instead it suggested that I could purchase discounted gift cards via one of two services: Raise and Cardpool. Personally I hadn’t heard of either service and have yet to vet them for myself but it sounds like a pretty interesting tip. Moreover I was impressed that the links for both led directly to the Starbucks gift card pages on each site instead of just the homepage.

As for the more generic Ideas that Charlie has presented to me, it noted that filling up your gas tank earlier in the week could save you money versus waiting until the end. Somewhat related, Charlie inquired about my car insurance needs. After asking my zip code, it referred me to a site called The Zebra where I could start my search for new quotes. While this site could potentially be helpful (again, I have yet to really explore it in depth), the nearly unsolicited nature of the referral makes me wonder whether future Ideas will really be tailored to my needs or whether they’ll just throw things against the wall until something sticks. That might sound a bit harsh as I do think the Ideas have been fairly good so far, but I could see how they might be a bit annoying in some cases.

Update: Soon after I posted this, Charlie messaged me to let me know that Spotify was giving away Google Home Minis to Premium subscribers. Sure enough, I followed the link provided and was able to claim one for myself. Now, I’m not sure if I received the message because Charlie could see that I was a Spotify subscriber or whether it was just informing lots of users but it definitely worked out in this case. Therefore my opinion on this feature has been swayed some.

Balances and transactions

If you ever want to know how much you have in your accounts or what you’ve recently purchased, you can just ask Charlie. Beyond the standard prompts such as “Balances,” the chatbot is also able to respond to specific questions. Say you want to know how much you spent on Chipotle this month — you can literally just type “How much did I spend at Chipotle?” and Charlie will display your current month’s total followed by a look at the total for the past few months. Charlie also allows you to be more specific (such as “how much did I spend at Chipotle in March?”) or zoom out (how much have I spent on food this month?) when viewing transaction and budget data. Honestly, it’s actually rather nifty.

Dashboard and Budget

Although Charlie is fully contained in Messenger, it does offer some app-like experiences. Case in point: Dashboard. Here you can get an overview for all of your linked accounts. To access this, just type “Dashboard” and Charlie will send you a link.

Charlie also has a Budget widget you can access through a similar method. Here you can plug in your income and savings goals to have it calculate your “Cash to Splash” — AKA disposable income. While I like the idea and look of this feature, I do have to admit I don’t 100% understand how it works. Charlie would allow me to adjust my income but the recurring bills were locked in and I couldn’t figure out how to add more categories. It’s quite possible I’m missing something but, for now, I can’t recommend this as a viable budget generation tool.


For those who like to keep tabs on their spending without having to check-in manually, Charlie offers a number of notification options. By sending “Notifications” and tapping the link, you’ll be able to opt into daily or weekly updates or snooze alerts for a set period of time. You can also choose what types of action alerts you’d like to receive. These include getting alerts when:

  • Deposits are made
  • Checks clear
  • Bank fees are incurred
  • Large transaction are made
  • Credit card bills come due
  • Interest rates change
  • Etc.

This is fairly exhaustive list, all but ensuring you’ll find at least some of these alerts useful.

Subscriptions and bills

Another feature on Charlie I found useful is the subscriptions/bills section. By messaging the service with one of those two words, you’ll be able to access a list of current recurring bills it finds across your accounts. In the event it doesn’t pick up on a subscription, you can manually go through your transactions to note certain bills or, if it accidentally includes a non-bill, you can easily exclude it.

What’s cool is that, for several subscriptions, Charlie will give you some guidance on how to cancel if you’d like. For example, when I tapped “Cut this bill” under my Spotify subscription, it gave me the option to try Billshark or cancel myself. Tapping the latter linked me directly to the relevant page on Spotify’s site that explained exactly how to cancel. Similarly my Adobe subscription also offered a link with cancellation info, although no Billshark promo was present this time around.

Once again, while I can’t yet speak to Billshark’s actual product, it seems like another interesting recommendation from Charlie. More importantly, the relevant links it provides for the DIY methods are sure to save you time when you’re on a bill-cutting binge. All in all, this is a pretty handy little tool.

Final Thoughts on Charlie

Despite only a few days passing since I started exploring what Charlie has to offer, I have already found a few pros and cons. In fact I find the Messenger platform the services uses to be both a pro and a con. While I appreciate that I don’t need to download yet another app in order to use Charlie, I’m really not a huge fan of Facebook or Messenger. Thus the idea of having to open the site to chat with Charlie does make me less inclined to do so. At the same time, for those who are less Facebook-phobic than I am, using a chatbot to do much of what other apps can is both convenient and creative.

As for what Charlie actually offers, I have to say that I like a lot of the features. While the Ideas are a bit of a mixed bag, if nothing else, the service has already given me a laundry list of reviews for the future! I’ve also been impressed with how intelligent Charlie is, with the bot rarely missing a beat in responding to my random inquiries. It would seem that the architects behind the scenes have done a thorough job with programming a number of prompts to create a better user experience. This attention to detail also shines in some of the examples I provided where Charlie goes the extra mile in directing you exactly where you need to go.

Given these initial impressions and the fact that it’s free to use, I’d say it’s worth giving Charlie a chance.

Also published on Medium.


Kyle Burbank

Kyle is a freelance writer and author whose first book, "The E-Ticket Life" is now available on Amazon. In addition to his weekly "Money at 30" column on Dyer News, he is also the editorial director and a writer for the Disney fan site and has recently starting publsihing his own personal finance blog at

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