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

By: JosiahDec 06, 2023
Chat Money System Reviews (Updated [year]): Is Marcel Fernandes The Real Deal?

Introduction to Chat Money System Reviews

If you've been scrolling around Instagram or TikTok, you might have seen Marcel Fernandes' Chat Money System being advertised to ya - especially if you live in Brazil, where he seems to be the most well-known.

Basically, Marcel teaches a course on how to message businesses on Instagram, and then how to link them up with digital marketing service providers - and if all goes well, you get a cut.

But before we get into all that - why are you here?

Sure, lots of people saw Marcel's ad...but you actually clicked on it. Now you're down the rabbit hole, checking out Chat Money System reviews online to see which article actually makes sense. Heck, you might even be reading up about some of his competitors within the local lead generation industry.

Well, I've got some good news for ya: I'm here to help clear up any questions you might have.

You see, I've been digging into these programs for a while now, so I've got a strong idea of which gurus are solid mentors, and which ones are just trying to score a quick buck off of their students. And my experience isn't limited to one industry, either. I've done guides on dropshipping niches, and even outlined how to get into old-school real estate.

I'll take you through the ins and outs of this Chat Money System program, see how much it costs, and even explore some alternatives when it comes to selling digital marketing services.

Now, let's dig into our Chat Money System review!


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.

  • Not very expensive to join, which means you won't be in a ton of debt if you realize it's not worth your time.
  • Instagram is a very popular platform, meaning you could find a lot of businesses there.
  • Marcel provides a couple other "bonus" ideas for making money, which means you might have a backup plan if the Instagram efforts don't work out.
  • Cold-calling businesses on social media is very common these days, meaning you'll have a lot of competition, and might even annoy the businesses you're after
  • It seems like there aren't a lot of lessons in Marcel's course, which could mean you get what you pay for.
  • Some of Marcel's "bonus ideas" involve taking free products on Facebook and selling them for a profit, which means he may lack ethics.

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

TLDR - What's The Verdict On Marcel Fernandes Chat Money System?

marcel fernandes reviews

So, should you fork over your hard-earned cash to Marcel Fernandes' Chat Money System?

I definitely would not.

It just doesn't make sense for me to send any kind of money over to a guy who can't be bothered to keep up with his social media pages. After all, his program is supposed to be all about helping businesses with marketing... can he help with marketing, if he can't consistently market himself?

I personally prefer much safer programs, but if you're really into the idea of being a "digital marketing broker", then let's keep going.

Marcel's idea is somewhat unique, in that he seems to see the value of the lead generation industry, but doesn't want to actually do the digital marketing work behind it. Instead, he offers his services as a way of getting those marketers hooked up with the right businesses over Instagram DMs.

Usually, people who have their own lead gen business will call up local businesses they know need the help, which saves them wasting time or money with someone in the middle.

Is it a legitimate online training program? Maybe. Maybe Marcel really does make a ton of money per month with this kind of business model, but it seems tricky to me.

Who Benefits From Chat Money System ...And Who Should Avoid It?

Time Investment2/5DMing people all day sounds tiresome, and it while it doesn't take long to send a DM, it can take a while to gain real leads.
Level of Control2/5You can control how persuasive your DMs are, but that's about it. Very tricky.
Ease of Implementation2/5Pretty easy to send DMs, seems difficult to actually make money with this.
Profit Potential1/5This guru doesn't even bother posting online much anymore, which indicates it's probably not a really profitable business for him.

Let's get right into it:

Marcel Fernandes might be for you if...

  1. You've done some work with digital marketing before (like Local Marketing Vault)
  2. You're from Brazil and like that he can speak your language
  3. You spend a lot of time on Instagram anyway

On the other hand, it probably doesn't make sense to join him if...

  1. You need a guru who posts at least once a year
  2. You've heard some people calling him a scammer and got a little spooked
  3. You'd rather avoid being a "middle man" and get the job done yourself

Chat Money System At A 1,000 FT View

chat money system digital marketing brokers

Digital marketing (especially lead generation) is a great industry, with lots of upside in many different ways.

That said, it's like Marcel is "so close...yet so far" from doing this right.

Instead, he wants everyone else to do the work, while him and his students send out a few Direct Messages on Instagram to put everything together.

I'll tell you right now - if someone is willing to have the courage and willpower to go out and start up their own marketing business, I'm gonna bet they're not so lazy that they can't go out and reach businesses on their own.

This whole business model of being a lead gen middleman is super flawed, as far as I can tell. Digital marketers make money every month from their work, and the businesses bring in more clients and more money...but what happens when they get together and start wondering why they keep paying the middleman, when he doesn't actually do anything anymore?

Making connections is very important, but it's something that marketers need to be doing from within themselves or within their own company.

I suspect that Marcel has eventually realized this reality, which is why you don't see him posting much on social media anymore.

I'd say stick with lead generation, but find the right mentor for you who does it the right way.

Who Is Marcel Fernandes?

who is marcel fernandes tiktok

Marcel Fernandes has a classic "rags to riches" story that you might have even read in other Marcel Fernandes reviews.

He doesn't reveal too much about himself, but we do know that around the time he turned 20 years old, he found himself broke, with a negative balance in his bank account.

Not good.

Apparently around this time he started looking up everything about making money online - from learning how to use cookies, to wondering why there aren't more digital marketing brokers out there.

And that's when Chat Money System was born.

He decided to build up a decent TikTok following, mostly from his fellow Brazilians, and he's been using that to try to push his online program ever since.

How Much Does Chat Money System Cost?

chat money system cost

It appears as if Marcel charges a $97 one-time fee to join up with his program, which is an extremely low price when it comes to most courses.

However, there are more fees that he throws in once you land on the checkout page:

  • $9 for "lifetime access" instead of having to pay again next year
  • $19 "lifetime guarantee" so you can get a refund at any time past the original 7 day policy
  • $27 per month daily coaching call rate

The last one is the number that will add up quickly ($324 over a year), but realistically even paying 500 bucks for everything over a year is still kind of on the low side.

While this seems great as a consumer, you might start wondering at some point: am I going to receive a lot of value if this guy's course is a thousand dollars cheaper than everyone else?

The other possible reasoning is that Brazilians are his primary target, and from what I understand, their economy is weaker than countries like the United States; Marcel might just be pricing himself so that his students can afford him.

Chat Money System Refund Policy

chat money system refund policy

Marcel Fernandes offers a 7-day refund policy, but after that it sounds like he will fight you pretty hard - so you'd better make your mind up early if you want your money back!

You have to prove you have made 1,000 cold DMs in order to get your money back under the 60-day money back guarantee.

Is Chat Money System Legit Or Not?

Social PagesLink
YouTubeSource Chat Money System legit?

I'm not really a fan of this program at all, but I won't go so far to say it's a scam

Digital marketing is a real industry, and a great one. It sounds like he basically wants to score some money from it without doing any of the actual marketing.

Personally, I recommend just doing the whole Digital Leasing operation by yourself, that way you can keep 100% of your profits, and not have to slow yourself down by dealing with a middle man.

Personal Opinion On Marcel Fernandes

chat money system training modules

So, how do you choose the right program?

  • Make sure it's in an industry that makes sense for you
  • See if there are any student reviews that actually vouch for the guru
  • Ask yourself if you can see yourself doing this for ten years

Marcel's pretty rough as far as gurus go, if we're being honest.

But to be fair, how about a quick 3 things I like about him:

  1. Knows how to reach a younger audience via TikTok
  2. Seems to understand that lead generation is a strong industry
  3. Not too expensive

...and, to be fair, 3 things I don't really like:

  1. He hasn't posted on Facebook in years
  2. Gets close to digital marketing, but doesn't jump all in
  3. Has some bad reviews on his own Facebook page

What’s Inside Chat Money System?

marcel fernandes chat money system

As you can see in the image above, the CMS program is so easy that even a 12 year old can do it...I'm not sure what Brazilian labor laws are like, but good for that kid!

Chat Money System features 13 modules, but they look like there's not a whole lot in them.

Some of the lessons include:

  • Mindset training
  • Teaching you how to DM strangers and ask for their money
  • Lessons on how you can overcome targets pushing back against your offer
  • Tips on how you can make some money by promoting Marcel's course
  • There is an entire module on how to have a Rest Day; I guess it's a Rest Module

Next up, Marcel throws some "bonuses" your way:

  • Texting people you know for their email addresses, so you can try to make money from them
  • Go to garage sales and re-sell the cheap or free stuff for a higher price
  • Take free things on Facebook Marketplace, then put them back on FB and sell them for money

There really are great options out there when it comes to making money online...but I'm not sure this is one of them.

Marcel Fernandes Reviews: Conclusion

So, should you fork over your money to the CMS program?

I wouldn't.

Marcel Fernandes doesn't seem to even post on social media much anymore, and in his old stuff just shows him talking into the camera from his bed...seems lazy.

If you're looking to get into digital marketing, then don't try to do it halfway. Jump all in, without relying on a middleman to find the right businesses for you.

And even if you find the right business model, it won't matter unless you've got the right mentor leading you to success.

Remember, there's always another way...

What Is My #1 Way To Make Money Online in 2024?

Digital Leasing

I have spent years researching, reviewing, and vetting dozens of business models and thousands of programs.

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: 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 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day. 

This is only possible if you have an income stream that’s not tied to your time.

2) You Own & Control EVERYTHING: With being a digital marketing broker, you don’t really own anything. You have no control over the quality of products. You don’t even own your “business”.

You're just a replaceable middle-man that doesn't really bring any value...wouldn't you rather provide something to the world, and be your own person?

With Digital Leasing, you own the assets, which means you have all the power and all the control.

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. 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, running, and generating profits for less than $100.

4) Easy To Duplicate: Ok, here’s the best part: 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.

Because you have more knowledge, more experience, more results, and more momentum. 

If you wanted to double your income with Marcel Fernandes' Chat Money System, you’d probably need to double the number of hours you spend working, and then double the amount of companies you'll be cold-calling on Instagram DMs.

Because, again, this program doesn’t scale.

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

Small, local businesses 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 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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