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

Updated On: March 7, 2024

Welcome to my Chat Money System review. My goal is to answer common questions like: how much it costs, if it's a scam, and if you can actually make money with it. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.
marcel fernandes chat money system review

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

Hi there! Welcome to the Chat Money System Reviews.

You’re probably here for one reason – to find out if Marcel Fernandes Chat Money System is actually legit, or should you avoid it?

Like most people, you’ve probably stumbled on his Instagram or TikTok ad in front of the tallest building in Dubai, kind of like this…

Then, you hopped onto his webinar, where he began to flex his Lambo and his beachfront house.

In his webinar, he claims you can make $3k to $15k per month by simply copying and pasting messages on Instagram.

He then offers his Chat Money System program, promising to teach you how to message businesses on Instagram and then sell them digital marketing services, which you outsource to other providers.

I’ve spent years digging into these make-money-online programs for a while now, and I’m quite familiar with the “copy-paste” method these gurus are trying to sell you on.

I’ve tried just about all of the popular business models out there, such as the digital ad agency model Marcel teaches, but I personally had a lot more success using the lead generation method.

While this doesn’t make me the ultimate authority on the topic, I feel qualified and confident to share my thoughts about the program.

Consider this Chat Money System review as your personal cheat sheet to help you get the truth about what’s actually inside and whether it’s worth your time and money.

That being said, here’s a little report card and the pros and cons of the program.

Table of Contents

Program At A Glance

Training Curriculum

The Chat Money System provides 13 video training modules walking you through A-Z of how to become a digital marketing broker. But here’s the deal: it falls short when it comes to mentorship and community. You don’t get any live coaching calls or a private community to share your wins with.

What I liked
The program is relatively affordable, so you don't have to spend an arm and leg to buy it.
The digital ad agency is a good business model with high-profit potential if you can make it work.
There's very little upfront investment in his method, so you don't need thousands of dollars to start like a real estate investor would.
What I Didn’t Like
His program is dripped out over time, meaning you don't get access to all the modules immediately after purchasing.
Selling businesses on digital marketing services isn't easy. They want to know that you can actually provide an ROI, which is why I prefer to be a Digital Landlord instead.
Some customers complain that he overpromises and underdelivers, which puts his ethics into question.

is it a legitimate online training program

TLDR – What’s the Verdict on Marcel Fernandes Chat Money System?

Is Chat Money System legit

So, should you spend your hard-earned money on the Chat Money System?

I wouldn’t.

Marcel has gotten dozens of bad reviews on his Facebook account, some claiming his course is a scam. Others have said that the training focused heavily on mindset and not enough on the actual process of becoming a digital marketing broker.

I personally prefer a safer program with a guru who spends time updating his courses and provides highly valuable content that actually helps students succeed.

Beyond the program, the digital ad agency business model isn’t a bad way to make money and get your feet wet in the online business world.

That being said, there are tons of moving parts to deal with:

  • Cold DMs: You’ll need to know how to find potential businesses
  • Sales: You’ll need to convince them to pay you $1,000 or more
  • Hiring Reliable Freelancers: You need to vet out freelancers who are actually good at running ads at an affordable cost
  • Training Freelancers: Train freelancers to deliver quality work that meets clients expectations
  • Delivering Exceptional Results: Deliver ads that actually produce a positive ROI for clients

Most gurus like Marcel will try to convince you that you can automate everything with “copy-paste” messages and “pre-built templates.”

The problem is that the market is constantly changing, and what works for one person may not work for another.

And if thousands of students are using the exact same DM scripts and ad templates, chances are they won’t work.

Running a digital agency is by no means a passive income model either. You’re responsible for the entire process.

But there is a better way that actually generates passive income that doesn’t require you to

  1. Wear many different hats
  2. Hire unqualified freelancers and piss off clients after poor results
  3. Send thousands of unsolicited cold messages

This income stream allows you to build in your spare time without having to spend hours messaging and chasing clients around. And you’ll be providing real value to businesses, so they’ll be happy to open their checkbooks for you.

If that sounds like music to your ears, check out how to become a Digital Landlord.

But if you want to learn more about the Chat Money System, keep reading.

Who Benefits From The Program, And Who Should Stay Away From Marcel Fernandes?

make 3k to 15k per month

Area Score Description
Time Investment 3 / 5 Doesn’t take long to DM messages, but takes time to land a client, vet freelancers and ensure good results.
Level of Control 2 / 5 You’re at the whim of whether your client is happy or not, even if you do produce good work.
Ease of Implementation 1 / 5 Landing clients and delivering results that generate ROI for businesses is much more than copying and pasting messages on Instagram.
Profit Potential 2 / 5 Your digital service providers take a huge cut, most likely at least 50% and could up even 75% or more.

Let’s get right to it.

Marcel Fernandes Chat Money System is right for you if…

  • You have experience selling digital marketing services and know how to land high-paying clients.
  • You have experience in digital marketing brokering and want to learn how to craft compelling direct messages on Instagram.
  • You’re from Brazil and can speak his language.

Now, here’s why you shouldn’t join Chat Money System.

  • You’ve seen all of the horror stories and negative reviews of Marcel.
  • You want a business model that has higher profit margins.
  • You want to learn a complete skillset that involves more than using Instagram to find clients.

Chat Money System At A 1,000 FT View

join chat money system

Business Model

Chat Money System teaches you how to make money online by selling digital marketing services to businesses on Instagram. And rather than delivering the service yourself, you’ll pay someone digital marketing service provider to do it for you.

Essentially, you’re a digital marketing broker where you act as a middleman who connects businesses with marketing services. You keep the difference between what you’re paid and what you paid your digital marketing service providers.

For example, let’s say you want to help gyms get more membership and personal training sales online.

You would:

  • Message 50 gym owners on Instagram
  • Convince them to pay you $1,000 for digital marketing services like Facebook or Google Ads.
  • Pay a freelancer from Upwork or Fiverr $500 to do it for you and keep the $500 difference.

The good news is that the digital marketing industry is estimated to be valued at $786.2 billion by 2026, and businesses are expected to increase ad budgets by 63%.

The problem is that you’re taught to hire cheap talent that likely isn’t able to provide real results to businesses, and English might not be their first language. That makes this business model no better than others like Affiliate Marketing or Amazon FBA.

Who Is Marcel Fernandes?

is marcel a legitimate online entrepreneur

Marcel Fernandes is a 7-figure internet guru from Brazil who teaches people how to become digital marketing brokers.

Marcel’s popularity has skyrocketed, with 285.1k followers and 3.4 m views on his TikTok account. That said, he’s lost about 6k followers in the last year, as he used to have 291.k followers, which puts his legitimacy in question.

marcel social media

With a 1.8-star rating on Facebook and very little information about Marcel Fernandes online, frankly, he doesn’t seem all that trustworthy.

There are more reliable digital ad agency gurus out there who probably have more of your best interest at heart and want to see you genuinely succeed.

Online Pages Link # of Followers
TikTok Source 285.1k
Instagram Source 122k
YouTube Source 5.5k
Facebook Source 7k

Personal Opinion on Marcel Fernandes and Chat Money System

does Chat Money System work

At this point, you’re wondering, is Chat Money System a scam?

No, technically, it’s not. But it’s 100% not as easy as Marcel makes it out to be.

Being a digital marketing broker isn’t simply typing messages onto your phone and then rolling around in heaps of cash.

There”s a lot of sales to be done upfront to convince businesses to actually pay you. You need a legit Instagram profile with testimonials and a proven track record of success.

And even if you land clients, business owners will get pissed off when they see that the paid ads aren’t working like you promised. If you hire low-quality freelancers who deliver bad work, that’ll only add to their frustration.

But if you’re getting into this game to live life completely on your terms, generate a passive income, or travel the world, then this isn’t for you.

What if, instead, you could spend just a few hours a day (in your spare time) building a single digital asset, and your reward is $500 to $2,000 in payments that come every month?

Best of all, you receive expert coaches that walk you through step-by-step through the entire process. You learn from people who actually walk the walk and provide students with in-depth live training, so you get to hear straight from the horse’s mouth.

And unlike digital brokering, you get to keep 100% of the profit.

Many people who’ve become Digital Landlords have scaled their businesses to 6-figures. Now, they enjoy their newfound laptop lifestyle from all parts of the world, such as:

  • A small villa in Greece
  • A beach chair on the coast of Mexico
  • A campervan in the middle of the woods

They’re able to travel around the world and spend time with their loved ones. Even if they stop working, the money keeps coming in, allowing them to put experience, memories, and adventure as the top priority.

If this sounds like the type of life you want to live, click here to learn more about becoming a Digital Landlord.

What’s Inside of Chat Money System

monetary investment of chat money system

How Much Does Chat Money System Cost?

Chat Money System costs $97 to join his program. Inside the course, you get 13 modules covering the following topics:

  • Entrepreneurial Mindset
  • Niche Selection
  • Instagram Profile Optimization
  • Instagram Cold Outreach
  • Instagram DM Scripts and Templates
  • Prospect Follow-Up
  • Objection Handling
  • Post-Sale and Service Delivery

That said, he offers more upsells when you land on the checkout page:

  • $27 for Success Fast Track 2.0
  • $9 for Lifetime Access
  • $19 for Lifetime Guarantee Refund

With the Success Fast Track 2.0, you’re getting coaching calls daily for just $27 per month, which is a great deal on the surface, but it’s hard to really know how much value is given on these calls, especially given the negative reviews online.

one on one coaching

You only get access to course materials for one year unless you pay $9. And you get 7 days to get a refund unless you pay $19 for a lifetime guarantee refund.

But after the 7 days, you’ll need to prove that you’ve sent 1,000 cold DMs to qualify for a 60-day money-back guarantee.

It all sounds quite complicated, and frankly, it’s really hard to trust someone who adds upsells just for refund policy guarantees and lifetime access.

Marcel Fernandes Reviews: Conclusion

Can you make money online?

So, should you cough up your hard-earned money for the CMS program?

Personally, I wouldn’t.

Marcel Fernandes gets a lot of negative reviews online, and where there’s smoke, there’s fire, so I’d stay far away. And the course is missing a lot of information on how to actually deliver good results for clients.

Frankly, businesses aren’t as willing to shell out thousands of dollars for non-guaranteed results.

That’s why I recommend becoming a Digital Landlord instead because you’re building digital assets that give businesses what they want: potential paying customers!

What’s the #1 Way to Make Money?

What's the #1 Way to Make Money?

I’ve spent years vetting dozens of business models and thousands of programs.

While becoming a digital marketing broker is a viable online business, it’s NOT as easy as it looks and certainly a far way away from a fully passive income stream.

Let me count the ways…

  1. You fork over half the profits (or more) to digital marketing service providers.
  2. You limit yourself to Instagram messages, but other channels may prove to be more effective.
  3. You can’t really guarantee a positive ROI for clients.

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

That being said, my #1 recommendation for making real money online is, hands-down, being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.

Read Our In Depth Breakdown Of The Top 5 OtherOpp Courses For 2024

Did Chat Money System Make The List?


1)Time commitment: If you have an hour or two per day, you can do this. Even if you want to drop everything and commit fully, that works, too.

You don’t have to be constantly working to make money. The income you generate is recurring.

Imagine taking off for a month to places like Hawaii, Paris, National Parks, & other spots people only dream about – all while collecting dozens of little $500-$2,000 checks. It’s like a dream come true.

But it’s only possible to do it when you’ve separated your income from your time.

2) Complete control: You completely control everything, which means no one can take your business away from you. This is a huge difference from other lead generation models, where Google can end you at the snap of a finger.

3) It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

4) Great Margins: Being a Digital Landlord, your profit margin is nearly 100%.

Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases and the effort put into creating the next property decreases.

Best case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

5) You’re Helping REAL People: When you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If we can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put FOOD on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other programs like Chat Money System, which might work out.

You could keep researching and researching for the next few months (or a few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you

Making a fortune while actually helping real people who need it.

If this sounds like you, click here to see how it all works.



I make over $20,000/MO thanks to this platform... check it out below!