MAJORITY – Mobile Banking Review Summary

• Company Description
• Company Website
• Overall Rating
• Review Summary by Source
• Trustpilot (4.7/5, ~11,213 reviews, March 2025)
• Traders Union (4.5/5, February 2025)
• Monito (4.8/5, 2025)
• Sitejabber (1.3/5, 9 reviews, June 2021)
• PissedConsumer (2.2/5, 32 reviews, March 2025)
• App Store
• Comparative Analysis
• Recommendations for MAJORITY – Mobile Banking

Company Description

MAJORITY is a digital financial platform designed specifically for migrants in the United States, offering a suite of banking services without requiring a Social Security number. Founded in Sweden and launched in the U.S. in 2020, it operates as a fintech company in partnership with Axiom Bank, N.A., an FDIC-insured institution. MAJORITY provides a checking account, a Visa debit card, international money transfers, mobile top-ups, and international calling services. The platform emphasizes affordability with no monthly maintenance fees or minimum balance requirements, a $5.99 monthly subscription fee after a 30-day free trial, and fee-free services like international transfers and calls to over 20 countries. Additional features include access to over 55,000 fee-free ATMs, cashback rewards, and personalized advisors available in multiple languages.

Company Website

MAJORITY Official Website

Overall Rating

Based on aggregated data from multiple review platforms as of the latest available data in 2025, MAJORITY – Mobile Banking has an overall rating of approximately 4.5/5. This is derived from the following sources:

• Trustpilot: 4.7/5 based on ~11,213 reviews (March 31, 2025)

• Traders Union: 4.5/5 (February 16, 2025)

• Monito: 4.8/5 based on over 20,000 reviews across Trustpilot, App Store, and Google Play (2025)

• Sitejabber: 1.3/5 based on 9 reviews (June 4, 2021, older data)

• PissedConsumer: 2.2/5 based on 32 reviews (March 24, 2025)

The high ratings on Trustpilot, Traders Union, and Monito reflect strong customer satisfaction, particularly among migrant users, while lower ratings on Sitejabber and PissedConsumer highlight specific issues. The overall rating leans heavily toward the positive due to the larger sample size and more recent data from Trustpilot and Monito.

Review Summary by Source

Trustpilot (4.7/5, ~11,213 reviews, March 2025)

• Positive Feedback: Users praise MAJORITY for its user-friendly app, quick international transfers (often within an hour), and fee-free services. Customers highlight the ease of sending money to countries like Colombia and Venezuela, early direct deposit (up to two days), and reliable customer service in English and Spanish. The app’s simplicity and accessibility for migrants are frequently noted, with many appreciating the lack of hidden fees and competitive exchange rates.

• Negative Feedback: Some users report slow account verification processes and occasional issues with customer service response times. A notable complaint involves funds being withheld without clear explanation, with one user citing a two-month delay and unprofessional support.

Traders Union (4.5/5, February 2025)

• Positive Feedback: MAJORITY is recognized for its rapid growth and strong customer loyalty, driven by effective promotions and positive user experiences. The platform’s focus on migrants, with features like international calling and mobile top-ups, is highly valued.

• Negative Feedback: Limited transparency in review management practices raises concerns about potential filtering of negative feedback, though this has minimal impact on the overall positive sentiment.

Monito (4.8/5, 2025)

• Positive Feedback: Over 80% of reviewers give MAJORITY four or more stars, praising the intuitive app, secure transactions, and convenience for international transfers and mobile top-ups. The partnership with Axiom Bank and FDIC insurance adds trust.

• Negative Feedback: Issues include delays in account verification due to high membership demand and problems with referral bonuses not being applied correctly. Exchange rate transparency is lacking until after signup.

Sitejabber (1.3/5, 9 reviews, June 2021)

• Positive Feedback: Minimal positive feedback is available due to the small sample size and older data.

• Negative Feedback: Reviews are overwhelmingly negative, with users alleging scam-like behavior, such as account closures without explanation, withheld funds, and unfulfilled referral bonuses. Customer service is criticized for slow responses (up to 24 hours) and unhelpfulness. Note: This data is outdated and less representative due to the small number of reviews.

PissedConsumer (2.2/5, 32 reviews, March 2025)

• Positive Feedback: Some users express confidence in MAJORITY, particularly for its debit card security and ease of use for migrants.

• Negative Feedback: Common complaints include difficulties withdrawing funds, slow or unresponsive customer service (e.g., 50-minute hold times), and failed international transfers (e.g., to Nigeria). Issues with lost cards, unauthorized transactions, and app glitches are also reported. Only 14% of users would recommend MAJORITY.

App Store

• Positive Feedback: Users appreciate the ability to send money and recharge phones in countries like Venezuela and Cuba, with clear call quality and no-cost transfers to certain regions.

• Negative Feedback: Frustrations include inability to withdraw funds without an ATM card, blocked international transfers due to minimum balance requirements, and issues with referral bonuses.

Comparative Analysis

• Strengths Across Sources: MAJORITY excels in providing a migrant-focused banking solution with a user-friendly app, fast international transfers, and fee-free services. The high Trustpilot and Monito ratings (4.7–4.8/5) reflect strong satisfaction among a large user base, particularly for migrants needing affordable cross-border financial services. The FDIC-insured partnership with Axiom Bank enhances credibility.

• Weaknesses Across Sources: Common pain points include slow account verification, inconsistent customer service, and issues with fund withdrawals or account closures. Lower ratings on Sitejabber and PissedConsumer highlight severe issues like alleged fraud and poor support, though these are based on smaller or older datasets. Lack of upfront exchange rate transparency and Zelle transfer limits ($500/week) are also noted.

• Data Reliability: Trustpilot and Monito provide the most robust data due to their large review counts and recent updates. Sitejabber’s low rating is less reliable due to its small sample size and age. PissedConsumer’s moderate rating reflects a niche group of dissatisfied users but contrasts with the broader positive sentiment.

Recommendations for MAJORITY – Mobile Banking

1. Improve Account Verification Process: Address delays in account verification by streamlining processes or increasing staff capacity to handle high membership demand. Clear communication about verification timelines would enhance user trust.

2. Enhance Customer Service Responsiveness: Reduce hold times and improve response quality, especially for critical issues like fund withdrawals or account closures. Offering multilingual support consistently and training staff to handle complex issues could mitigate negative experiences.

3. Increase Transparency in Fees and Rates: Provide upfront information about exchange rates and potential service fees for international transfers to build trust and avoid surprises. A rate comparison tool within the app could help users make informed decisions.

4. Address Withdrawal and Transfer Issues: Simplify the process for withdrawing funds, especially without an ATM card, and ensure international transfers are reliable across all supported countries. Resolving issues like blocked transfers due to minimum balance requirements is critical.

5. Fix Referral Program Glitches: Ensure referral and signup bonuses are consistently applied as advertised to avoid disappointing users. Clear communication about eligibility criteria could prevent misunderstandings.

6. Expand Zelle Limits: Increase the $500 weekly Zelle transfer limit or provide alternatives for users needing to send larger amounts, as this is a significant limitation in high-cost environments.

7. Proactively Address Negative Feedback: Engage with dissatisfied customers on platforms like PissedConsumer to resolve issues and demonstrate commitment to improvement. This could help balance the narrative and improve overall perception.

MAJORITY – Mobile Banking enjoys a strong reputation among migrant users for its tailored services, user-friendly app, and cost-effective international transfers, as evidenced by high ratings on Trustpilot (4.7/5) and Monito (4.8/5). However, challenges like slow verification, inconsistent customer service, and withdrawal issues need attention to maintain trust. By addressing these areas, MAJORITY can solidify its position as a leading fintech platform for migrants.