Chat Money System Reviews (Updated 2024): Is Marcel Fernandes The Real Deal?

Welcome to my Chat Money System Review. My goal is to help you understand what the program is all about, how much it costs, if it's a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let's dive in!

Chat Money System Reviews

Hi and welcome to my Chat Money System reviews.

There are a few ways you may have come across this article:

  1. You may have had a friend or colleague suggest the Chat Money System so you decided to look into it.
  2. Maybe you were already looking for a way to make money online and this was one of the reviews you stumbled upon online.
  3. Perhaps you were scrolling through your feed and someone mentioned Marcel Fernandes’s program, which made you curious.

Here are the questions you’re about to explore in this article:

  • Who is Marcel Fernandes?
  • What’s inside the Chat Money System Program?
  • Is this program for beginners or for those with experience?
  • Is the Chat Money System legit?
  • How much does the program cost?

Over the years, I have familiarized myself with different business models that teach you how to generate an income online such as Multi-Level Marketing and Options Trading. And the great thing about having this experience that I am able to spot a solid program from a weak one!

It’s like one day I woke up and realised my superpower was identifying red flags in programs!

Jokes aside, guess what I’ve just went and done? I have taken the time to scour the internet of everything Chat Money System related to give you a trustworthy and in depth review of what this program has to offer. The good, the bad and the ugly!

So, without further ado, let’s jump right into it!

Here is a quick summary along with some pros and cons.


This Chat Money System review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

Training Curriculum





The Chat Money System is an online course created by Marcel Fernandes that teaches you how to become a profitable digital marketing broker. You are taught how to send engaging direct messages to businesses on social media platforms like Instagram and then connect them to digital marketing services. Marcel will show you his own techniques on how to make money without any upfront investments but one thing to note is that this program can’t get you passive income.

The Good Stuff

  • You are taught how to generate income online without the need for any upfront investments.
  • Marcel has made millions of dollars teaching this business model to his students which means you can gain valuable insights from a successful guru.
  • The Chat Money System provides you with scripts and templates so you can get started right away.

The Bad Stuff

  • Cold calling businesses on Instagram is a very popular strategy which means there’s a lot of competition.
  • There aren't many lessons in Marcel's course, so you may not receive the full value for your purchase.
  • The strategy Marcel uses can’t get you passive income as it requires constant messaging to business owners.

Firstly, Why Am I Writing The Review?

Nice to meet you, my name is Brittney!

My story starts like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job.

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the program that the review is about!

I have absolutely no relationship with J Rich, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.


TLDR – What’s The Verdict On Chat Money System?

What’s The Verdict On Chat Money System

So, is Chat Money System worth it?

I wouldn’t say so…

The first thing that stands out to me is that Marcel is in the marketing game but he doesn’t seem to be marketing himself well since he doesn’t post much on his Instagram page. I mean, his whole strategy is to send cold DM’s on…Instagram.

Let’s try to overlook this for a moment and focus on the time-consuming nature of this business model. You’ll need to be constantly sending hundreds of cold DMs every day, which can take a huge chunk out of your time. But is it worth it?

Not really. Why? Well, the strategy has a high rejection rate. Think about it – imagine a bunch of teenagers messaging you each day with the same pitch, almost like they’re using a template of some sort… Oh wait, that’s right, they are! Marcel gives the same templates and scripts to each and every one of his students, which can easily be taken as a scam email on the receiving end.

Let’s face it, no one’s going to take you seriously, and no one’s going to get back to you. It just happens so often, especially on Instagram, that businesses get annoyed. You’ll get blocked, plain and simple.

Okay, perhaps you’re one of those who doesn’t mind putting in the grind, isn’t fazed by rejections, and is on the more creative side, thinking you can customize your hundred DMs a day templates.

As much as I applaud your work ethic and willpower, you’re eventually going to burn out, whether you like it or not. For you and anyone else out there who has realized by now that sending cold emails is not worth your time, I suggest you take a look at Digital Leasing.

With Digital Leasing, you’re not going to be spending all the hours in the day sending out overused templates to businesses; instead, you’re actually going to find customers for local businesses. It’s a similar concept to the Chat Money System, right?

That’s because they run on the same business model, but with Digital Leasing, you’re not the middleman, you’re the boss. So why not channel your drive into a program where you not only work in the same industry but also own everything?”

The great thing about it is that there are hundreds of thousands of new businesses opening up every year, which means there are always businesses that need customers, so you’re never out of opportunities; they’re endless!

Who Can Benefit From Chat Money System And Who Isn’t It For?

Who Does It Benefit and Who It Doesn't

Chat Money System could be for you if:

  • Already familiar with the digital marketing business model and want to use your skills at being a broker in this field.
  • Always on Instagram anyway, so you want to learn how to use the platform to make some money.

It may not be for you if:

  • Looking for a guru with a clean reputation. There are many claims of Marcel scamming people online.
  • Seeking a mentor who is active on the platform he is teaching you how to make money on. Marcel is sporadically active on his Instagram page and only has 22 posts.
Time Investment2.1 out of 5 starsMarcel teaches his students to send DMs all day, which can consume a significant amount of time, especially when repeatedly done without receiving a response.
Level Of Control2.2 out of 5 starsYou can only control what you write in your DM; the rest is beyond your control.
Ease Of Implementation2.9 out of 5 starsIt’s easy to send DMs, especially when you have templates provided by Marcel. However, landing clients is much more difficult due to the popularity of cold emailing businesses on Instagram.
Profit Potential1.7 out of 5 starsThe profits depend on your ability to create engaging messages so businesses can work with you. Also, once you land a client, your digital service provider is likely to take a big cut.

Marcel Fernandes Chat Money System At A 1,000 FT View

Marcel Fernandes Chat Money System At A 1,000 FT View

Digital marketing, especially lead generation is a great business model, actually great doesn’t quite cut it, it’s actually the best business model out there! Marcel is kind of like the lead generation middleman, which doesn’t work well. 

He teaches his students how to send direct messages to businesses on Instagram and then connects them with digital marketing service providers. However, by starting his own digital marketing business, he could have directly reached out to these businesses.

I think by now, Marcel surely must have realized that lead generation doesn’t need a middleman…maybe that’s why he’s not as active as he once was on Instagram. 

About The Guru – Marcel Fernandes

Marcel Fernandes Chat Money System

Marcel Fernandes is an online entrepreneur from Brazil who comes from humble beginnings. At the age of 20, Marcel was living in a studio apartment with about $100 in his bank account. It wasn’t until he started to learn about how to make money online that his life changed for the better.

Currently he is teaching his students how to generate income online by selling digital marketing services.

WebsiteLink Here
InstagramLink Here
TikTokLink Here

How Much Does The Chat Money System Cost?

Digital Marketing Brokering Program Cost

Chat Money System is currently on offer for $97 from the usual $497. There is daily coaching also available but it will cost you an additional $27 per month.

Does Chat Money System Come With A Refund Policy?

Money Back Guarantee For The Chat Money System

The Chat Money System offers an unconditional 7-day money-back guarantee if you’re not satisfied with the program for any reason within the first 7 days of your purchase.

It also offers a conditional 60-day double your money back guarantee and in order to qualify for this, you’ll need to:

  • Attend all classes in the program.
  • Complete all the tasks assigned to you.
  • Send at least 1,000 cold emails using the correct script that Marcel teaches.

How Is Chat Money System Different From The Rest?

Since the Chat Money System incorporates principles from the digital marketing business model, let’s explore some available digital marketing programs that are out there.

Local Marketing Vault – This program teaches lead generation and covers topics such as sales, prospecting, and copywriting. Its downside is heavy reliance on ads, which can result in significant long-term costs due to continuously increasing ad prices.

Growth Cave – A course that also teaches you how to generate leads but condensed into 6 modules. The drawback to this course is that it requires lots of work to be done at the start and it can’t get you passive income since you are taught how to run an ad agency.

Digital Storefront – Led by a guru who has built a successful business from scratch and teaches you how to do the same. The problem is that Cory’s experience is overshadowed by the outdated tactics he shares.

The Chat Money System differs from these programs in that it doesn’t fully incorporate the digital marketing business. Instead, it introduces its own unique approach, effectively acting as a lead generation middleman by instructing its students to send direct messages to businesses on Instagram and then connect them to digital marketing service providers.

What’s My Personal Opinion On The Chat Money System?

My Personal Opinion: Scam or Legit?

There are a few things you should consider before purchasing any program online:

  1. How much experience does the guru have?
  2. Is the program well-reviewed?
  3. Does the program provide high-quality information?
  4. Is there enough coaching time available?
  5. Does the program have a clean reputation?

Would I Recommend Chat Money System?

Based on the above criteria here’s what I don’t like about the Chat Money System:

  • There aren’t any reviews on trusted sites like Trustpilot or BBB to determine if the Chat Money System by Marcel is providing value to its students.
  • The Chat Money System is littered with scam complaints all over social media platforms, resulting in a tarnished reputation.

I would not recommend this program due to the absence of reviews on accredited sites and the scam allegations on social media platforms, which undermines my confidence in making a purchase.

Is Chat Money System Legit?

Chat Money System Program

I don’t think Marcel Fernandes is scamming you with his program but it depends on how you see it…

You can make some money with what Marcel teaches you as he has found success in this field but it requires a massive stroke of luck. Unless you have a lucky charm by your side, you’ll probably have to go through a whole lot of businesses to get a response back. 

And, since you won’t be getting any immediate responses, your brand can have a negative impact due to unsolicited emails.

Imagine being the annoying kid in school that no one liked and you grew up and didn’t learn your lesson so you’re now the annoying adult. That’s a great “from playground nuisance to professional pest” story! 

Listen, I get it, you’re scouring the internet trying to find a way to make money online so you can either leave your 9-5 or supplement your income. I’ve been there before myself, I don’t even remember how many different types of business models I’ve tried!

It wasn’t until I stumbled upon Digital Leasing, where my search came to an end. It changed my life and it could change yours too!

With Digital Leasing, all you have to do is create a single digital asset which can take only a couple of months to do so and then in return you can potentially earn up to $10k per month, every month!

It doesn’t take you the whole day to do unlike what the Chat Money System gets you. It only requires a few hours of your spare time a day.

And, if you’re looking for a way to earn income quickly, you can get paid as soon as the following week if you start today.

Well if this sounds more like what you’re into, you might want to check out this program.

There are students of this program who have spent all their life in small towns and are now traveling the world with their loved ones, creating wonderful memories.

They are running their businesses successfully from exotic countries like Spain, Italy, France and so on. 

You may be asking how they are doing this, right? It’s because their income isn’t tied to their time and if they decided to stop working, guess what? The money they made from this program would still keep coming in since it’s all passive income!

What’s Inside The Chat Money System?

Whats Inside The Chat Money System?

The Chat Money System consists of 13 modules which pretty much covers:

  • The mindset you need to find success as a digital marketing broker
  • Send out engaging DM’s to businesses to get a response
  • Picking out a profitable niche
  • Increasing your status on Instagram
  • Following up with potential clients
  • What to do after closing a deal

There is also a bonus module where Marcel shares three ways you can make money fast. They are:

  1. Texting people you already know from your contact list and try make money from them.
  2. Go to garage sales and find cheap items to re-sell.
  3. Go to the Facebook marketplace and find something to sell from there.

Frequently Asked Questions (FAQ’s)

Do I need any experience to join the Chat Money System?

The course is beginner friendly and doesn’t require any specific prior experience. If you are familiar with the Instagram platform, that’s a great start but even if you don’t know anything about it, Marcel provides guidance for any experience level. 

Can anyone join the Chat Money System, regardless of their age or location?

The Chat Money System is open to anyone interested in making money through Instagram, regardless of their age or where they come from.

How long does it take to see results from applying the techniques taught in the Chat Money System?

It depends on your personal effort and the application of the strategies learnt from Marcel’s course. There have been students who found results in a couple of days to a few months.

Are there any risks involved in using the techniques taught by Marcel in the Chat Money System?

Marcel teaches the importance of approaching digital marketing and connecting with businesses on Instagram responsibly. As long as you are respecting others’ privacy, you shouldn’t run into any problems.

Conclusion: Marcel Fernandes Reviews

Marcel's Chat Money System Review

So, is the Chat Money System worth it?

Let’s recap:

  • Sending hundreds of cold emails on Instagram is extremely time-consuming
  • There’s a high rejection rate for this strategy
  • Marcel isn’t active on the platform he tells users to send emails on
  • Marcel gives every student the same templates and scripts which makes it generic
  • Likelihood of getting blocked on Instagram due to unsolicited emails

Yeah, I think I’ll skip this one…

It’s just not worth the time and effort to do what everyone is already doing on Instagram anyway these days.

I prefer a program where success is actually guaranteed and one where you’re not sending the same Christmas card to everyone!

I recommend taking a look at Digital Leasing if you’re looking for a more reliable and secure way to make money online.

With Digital Leasing, you can enjoy consistent monthly income, unlike the consistent rejections often experienced with the Chat Money System.

What Is The #1 Way For Making Money Online In 2024?

Digital Leasing - GGM

While there may be no “perfect business,” the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online or been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: Sending out hundreds of cold emails a day can take a considerable amount of time, especially if you decide to tailor the templates given to you by Marcel.

That’s not all! You’ll need to constantly update your social media platforms and form connections in the marketing world. We know how challenging it can be to form meaningful connections, so be prepared to interact with numerous people as well!

Now, enter digital leasing.

Got an hour a day? You can do this. Ready to drop everything else and dive in full-time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t. 

Imagine taking three months off and going out to explore different countries. You could soak up the sunshine in Greece, discover the amazing pyramids in Egypt, or go for a hike in the mountains of Japan.

This dream can only come true if you don’t have to rely on working for your money while you’re away.

2) You Own & Control EVERYTHING: Being a digital marketing broker you don’t own anything. You’re just a middleman that can easily be replaced. With Digital Leasing, you own the assets, which means you have all the power and all the control.

3) Little To No Startup Costs: With Digital Leasing, you can dive in with absolutely no upfront costs. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work. 

Even without getting paid in advance, you can have your first Digital Rental Property up and running and generating profits for less than $100.

4) Easy To Duplicate: Once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple of keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 monthly in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

If you wanted to double your income with the Chat Money System, you’d need to double the amount of cold emails you are sending daily. So if you’re sending 100 emails per day, make that 200 which just sounds extremely monotonous.

5) Make Money Helping Real People: With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local companies need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses. 

You make money by helping them make money. 

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent. 

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Now, the choice is yours. You could continue browsing, looking at opportunities like the Chat Money System which could one day make you money.

You could continue researching, never making a decision. 

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms, thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits. 

All while genuinely helping real people who are grateful and happy to pay for it. 

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

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Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!