Chat Money System Review: Marcel Fernandes Legit?

Welcome to our comprehensive review of the Chat Money System by Marcel Fernandes

In this age of endless opportunities, it’s natural to be curious about new ways to generate income online, especially through social media platforms like Instagram. The Chat Money System claims to offer a pathway to passive income by leveraging Instagram’s direct messages, and that piqued our interest.

In this chat money system review, we will be taking an in-depth look at the Chat Money System by Marcel Fernandes. We’ve researched and evaluated this online training course extensively to provide you with a detailed understanding of what it offers, how it works, and whether it’s a viable avenue for making money online.

Before I start…

If you’re tired of scams and want a real solution for making money online, check out my no.1 recommendation.

This is the best business to start in 2023 and made me over 27k last month alone:

Go here to see my no.1 recommendation for making money online

Key Takeaways

  • Chat Money System by Marcel Fernandes offers online training for digital marketing brokers teaching them how to connect businesses on Instagram with digital marketing service providers.
  • It operates as a matchmaking service, earning commissions for facilitating connections, and utilizes a “drop servicing” business model.
  • The program is aimed at those starting an online business and appeals to individuals aspiring for a more lavish lifestyle.
  • You get it for $97 for lifetime access to the course with an upsell of optional monthly group coaching for $27. There is a 7-day unconditional money-back guarantee.
  • VERDICT: Try it at your own risk because there are concerns about legitimacy due to complaints and marketing tactics. Red flags include customer support issues and misleading countdown timers.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

What is The Chat Money System?

The Chat Money System, created by Marcel Fernandes, is an extensive online training program designed to empower you with the knowledge and skills needed to thrive as a digital marketing broker.

Chat money system review

In essence, it’s a comprehensive guide to building a profitable income stream by connecting businesses on Instagram with digital marketing service providers, all while earning commissions for facilitating these connections.

This program delves into various facets of digital marketing and sales, offering valuable insights into effective selling tactics, handling objections, lead generation, and the art of converting prospects into paying clients.

Who is Chat Money System for?

Chat Money System is aimed at folks who are just starting out in the world of online business and are captivated by the idea of achieving a more lavish lifestyle through their efforts.

Marcel Fernandes, the brains behind this program, often flaunts his own luxurious lifestyle on Instagram, which can be quite enticing for people looking to make a financial leap.

Inside the training, you’ll find a heap of content that focuses on the right mindset and motivation, so it could be a good fit for those who are ready to invest in some inspirational business education.

Although the sales page doesn’t explicitly spell out its target audience, it appears to be designed for individuals who want to improve their financial situation and dive into the realm of digital marketing brokering.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

Can Chat money system help you make money?

The Chat Money System by Marcel Fernandes is marketed as a means to generate income by offering marketing services to businesses on Instagram.

Marcel Fernandes provides a step-by-step approach within the Chat Money System, guiding you on how to identify potential businesses to target on Instagram, craft persuasive direct messages, and convince them to pay you for linking them with digital marketing service providers.

Essentially, it operates as a matchmaking service between businesses seeking marketing assistance and the skilled individuals capable of delivering those services.

The core concept behind Chat Money System is being a digital marketing broker between businesses seeking marketing services and the service providers themselves.

Rather than delivering these services personally, you essentially connect businesses with the appropriate service providers and earn a commission for your efforts. This business model is often referred to as “drop servicing.”

Is Marcel Fernandes Legit?

Well, after doing my research into the world of Marcel Fernandes and Chat Money System, it’s clear that there are some legitimate concerns that need to be addressed.

Marcel presents himself as a highly successful online entrepreneur with a compelling rags-to-riches story where he mostly operated with a negative bank account balance, but there are significant red flags that cannot be ignored.

Chat Money System Review: Marcel Fernandes Legit? 19

One of the biggest issues is the numerous complaints from students who claim they didn’t get access to the course and struggled to get support from Marcel’s team. It’s not a good sign when paying customers are left in the dark after shelling out their hard-earned money.

Then there are the marketing tactics used in promoting the Chat Money System. There’s a countdown timer on the English language sales page that doesn’t seem to serve any real purpose and logos from websites where Marcel’s training isn’t even mentioned.

Chat Money System Review: Marcel Fernandes Legit? 20

Now, Marcel Fernandes does have a substantial following on TikTok, where he shares tips on making money online. But despite his success, these concerns surrounding the Chat Money System should give anyone pause to join Chat Money System. It’s essential to approach this opportunity with a healthy dose of skepticism and do your due diligence before diving in.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

How much does Chat money system cost?

When it comes to the price of the Chat Money System, it’s a straightforward deal. You can get lifetime access to the course for a one-time payment of $97, and that’s it – no hidden fees or recurring charges.

Additionally, there’s an option to join the monthly group coaching for $27. Marcel Fernandes mentions that he sometimes offers this coaching for free, but it’s available as a separate choice if you’re interested.

So, in a nutshell, the cost breakdown is crystal clear: $97 for the course itself, with an optional $27 per month for group coaching if you decide to take that route.

Refund Policy

Marcel Fernandes advertises an unconditional 7-day money-back guarantee and a conditional 60-day, double your money, money-back guarantee. However, it’s crucial to note that there have been numerous reports from individuals who have requested refunds but have not received them.

Furthermore, there is a discrepancy between the stated refund policy and the actual policy linked from the sales page, which pertains to an entirely different program. This inconsistency raises concerns about the reliability and transparency of the refund process.

Given these uncertainties and the reported difficulties in obtaining refunds, it’s advisable to exercise caution when considering enrollment in the Chat Money System. It’s essential to thoroughly research and assess the course before making any financial commitments, as the refund process may not be as straightforward as advertised.

What will you learn with Chat Money System?

In the Chat Money System by Marcel Fernandes, you’ll embark on a comprehensive learning journey designed to equip you with the skills and knowledge needed to become a successful digital marketing broker.

Chat Money System Review: Marcel Fernandes Legit? 21

Based on our evaluation and analysis of the course material, we have summarized what you will learn throughout the course:

Mindset and Business Foundations:

The course begins by focusing on the importance of the right mindset. Marcel guides you in developing the mental resilience and attitude necessary for entrepreneurial success. You’ll also receive valuable insights into how to maximize the benefits of the course.

Niche Selection and Instagram Optimization:

You’ll discover how to strategically choose a niche market for selling digital marketing services. Marcel provides guidance on optimizing your Instagram profile to enhance your credibility and visibility within your chosen niche.

Effective Messaging and Sales Scripts:

Learn the art of sending persuasive Instagram messages to potential clients. Marcel offers proven scripts that you can use when reaching out to business owners. This module equips you with the communication skills needed to engage with and attract potential customers effectively.

Handling Objections and Scaling Success:

As you progress, you’ll delve into handling objections and utilizing a sales script. Marcel shares techniques to overcome objections and close deals successfully. You’ll also gain insights into scaling your business and maintaining momentum after securing your first clients.

Throughout the course, Marcel emphasizes practicality, providing step-by-step instructions and valuable resources such as scripts and templates. Additionally, a bonus module offers strategies for generating quick income through methods like referrals and item flipping.

In essence, the Chat Money System covers essential aspects of digital marketing brokering, from building a solid foundation and mastering communication to successfully scaling your business and generating income. It’s a comprehensive program designed to empower you with the skills needed to thrive in the world of digital marketing services.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

Student Results

Marcel Fernandes has garnered several success stories from students who have benefited from his Chat Money System, even though most of his successful students are from Brazil. On his English-language sales page, some of these students provided video testimonials to share their experiences and achievements.

One student reported remarkable success, stating that she made $1,000 in her first month after joining Marcel’s program. By diligently implementing Marcel’s strategies, she saw her earnings surge to $4,000 in the second month. Currently, she consistently generates an average monthly revenue of $6,000, crediting Marcel and his course for equipping her with the skills to achieve such financial success.

Another student, proudly shared that he’s making an average of $7,800 per month. He emphasized how this income, facilitated by Marcel’s course, has enabled him to provide a good life for his family, expressing his gratitude towards Marcel for this transformation.

While there are success stories shared by students of Marcel Fernandes’ Chat Money System, it’s essential to approach them with a degree of caution and skepticism, considering some of the questionable marketing tactics employed to promote the course.

Should You Join Chat Money System?

If you’re a newbie in the entrepreneurial world and are seeking a quick and easy way to make money online, the Chat Money System might not be your ideal choice.

Chat Money System Review: Marcel Fernandes Legit? 22

The lack of beginner-friendly guidance may leave you feeling disappointed, especially given the course’s price tag. Additionally, the presence of shady marketing practices, allegations of scams, and complaints about refund issues cannot be ignored.

In my opinion, considering all of the above, I would approach Marcel Fernandes’ training with caution, and I might hesitate to join.

However, the decision to join the Chat Money System ultimately depends on your goals, aspirations, and the amount of time you’re willing to invest in this venture.

Here are some pros and cons to help you weigh the decision to join the Chat Money System:


  • Valuable sales training.
  • Emphasis on excellence in business.
  • Suitable for global audiences.
  • Provides ready-to-use scripts and templates.


  • Complex refund policy with refund complaints.
  • Missing key information in the training.
  • Training navigation can be confusing.
  • Unclear update frequency.
  • Complaints about unfulfilled promises.
  • Questionable marketing tactics.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

Is Chat money system a Scam?

Based on our research, the Chat Money System is a legit program that aims to teach individuals how to make money online by becoming digital marketing brokers on Instagram.

Marcel Fernandes, the creator of the course, claims to have had success with this business model and offers training to help others achieve similar results.

Chat Money System Review: Marcel Fernandes Legit? 23

However, it’s crucial to note that while the program may have worked for some individuals, there are also significant concerns and red flags that should not be overlooked.

Complaints and allegations of unfulfilled promises, difficulties in obtaining refunds, and questionable marketing tactics have raised doubts about the program’s credibility.

Overall, I would not recommend it as there are alternative programs with more transparent practices and better track records available for those seeking opportunities in digital marketing and online entrepreneurship.

RECOMMENDED: Go here to see my no.1 recommendation for making money online

Chat money system Alternatives

If you’re considering alternatives to the Chat Money System, there are a couple of noteworthy options to explore.

Modern Mastery

Modern Mastery is a sales program that offers valuable insights and training to help individuals excel in the field of sales. Whether you’re a newcomer to sales or seeking to enhance your existing skills, Modern Mastery provides practical guidance and strategies that can be beneficial.

Chat Money System Review: Marcel Fernandes Legit? 24

High Ticket Revolution

This program specializes in high-ticket sales, focusing on selling high-value products or services. If you’re interested in the niche of high-ticket sales and want to learn effective strategies for success, High Ticket Revolution could be a suitable choice.

Both of these alternatives offer valuable sales training and insights, catering to various skill levels and preferences. When making your decision, it’s essential to evaluate your specific goals and requirements to determine which program aligns best with your aspirations in the world of sales.

Chat Money System Verdict

This Chat Money System review has provided an in-depth look at Marcel Fernandes’ training program, shedding light on its various aspects, including its structure, content, pricing, and legitimacy.

As with any online business opportunity, it’s essential to approach it with a critical mindset and consider the mixed feedback from users.

The program provides valuable sales training and claims to offer opportunities to make money without significant upfront investment. However, it is essential to consider the various red flags associated with it, such as a complicated refund policy, missing information, and questionable marketing tactics.

Ultimately, whether the Chat Money System is suitable for an individual depends on their specific goals, willingness to invest time and effort, and risk tolerance.

While some students have reported success, potential users should approach this opportunity with caution, conduct thorough research, and carefully weigh the pros and cons before making a decision.

Before you leave

If you’re tired of scams and want a real solution for making money online, check out my no.1 recommendation.

This is the best business to start in 2023 and made me over 27k last month alone:

Go here to see my no.1 recommendation for making money online

David Fortune has been the editor since 2019. He is an expert at writing content on stock advisory services, side hustles, reviewing online business opportunities and many more topics. You can learn more about David on our about us page.

Go here to see the best business to start in 2024