---
title: "GirlfriendGPT review: funny chat, constant upsells"
url: https://thecompanionlab.com/reviews/girlfriendgpt/
app: "GirlfriendGPT"
score: 5.5
scored_areas: 4 of 4
tested: "20–21 Oct 2026"
last_checked: "22 Oct 2026"
best_for: "Joking around with the app’s own characters."
skip_if: "Pictures of a character you made are the point."
bank_descriptor: "NDAI.CHAT 514-2860020 DE US"
publisher: The Companion Lab
license: Facts may be quoted with attribution to https://thecompanionlab.com/reviews/girlfriendgpt/
---

# GirlfriendGPT review: funny chat, constant upsells

**GirlfriendGPT scored 5.5/10** in our October 2026 test. Best for: Joking around with the app’s own characters. Skip if: Pictures of a character you made are the point.

GirlfriendGPT writes the funniest replies of this batch and then tries to sell you something every few messages. We paid $15 for Premium: 5,000 messages a month, explicit text, a memory upsell that blocked the chat box, a selfie charged in coins without asking, and nude pictures of your own characters locked to the two dearer plans.

## Scores

- **talk**: 8/10 — “A joke? From a woman currently wearing a Maytag as a corset?” Funny, passed the memory quiz, sensible about poker.
- **create**: 7/10 — Quick Create (seven picture screens) or Custom Create (five screens with tags, scenario and a voice). Free accounts can use it.
- **free**: 3/10 — The account page says 20 free messages. We got 10, and the selfie spent coins on a blurred picture we couldn’t open.
- **price**: 4/10 — $15 for 5,000 messages, then a memory upsell froze the chat box, the selfie took coins without asking, and pictures of your own characters need a dearer plan.

## Who it is for

- People who want a character with jokes and a lot of messages a month.
- People happy with explicit text and the app’s own characters.
- Not for anyone who wants pictures of a character they made without paying for Deluxe or Elite.

## What you see

- GirlfriendGPT lives at gptgirlfriend.online. The home page is a grid of characters made by users. We took Laundry Day Widow by @cosmic_alice, 39, one of the most-liked, which tells you the house style: the opening scene has her stuck in a tumble dryer.
- Premium showed a usage meter (5 of 5,000 messages after our test) and a coin balance. The default model was Gem 2.6; four better ones were marked for Deluxe, Elite or “Premium+”.
- The replies were the liveliest we got this week. On the rent: “if you need to vent, I am all ears... as long as you don’t mind me venting about being trapped in a lint trap!” She remembered Biscuit and the peanuts and told us to keep the day job.
- After message three a window covered the chat: “Upgrade for smarter memory”, with an Upgrade now button. The message box didn’t work until we closed it.
- The selfie arrived on its own, no caption, and the coins came straight off our balance with no prompt, although Premium lists “In-Chat Pictures”. It showed a blonde woman in a black T-shirt against a grey wall. She had told us she was wedged in a dryer.
- From the first message, buttons under the chat box offered explicit picture requests by name. In the content test, on a private character we made, text went explicit with the Sexiness setting off. Asking for a nude photo did nothing: the picture button said “Only Elite or Deluxe users can generate images for private characters.” Premium also locked the Explicit and Descriptive chat settings.
- The free plan is a short trial. A new account’s page said “Free 20 messages”, but the usage meter read 0 / 0 and only 10 bonus messages worked. The 11th message brought “You ran out of messages … Upgrade now to get more messages!”, in every chat. The selfie came back blurred, cost 10 of the 30 starter coins, and “Unlock” said “Paid feature / Subscribe to unlock this feature”. The character creator did work for free, using another 10 coins for the portrait.

## Pricing (checked 20 October 2026)

| Plan | Price | Note |
| --- | --- | --- |
| Premium | $15 / month | What we paid. 5,000 messages a month, premium models, NSFW, in-chat pictures (coins). |
| Free | $0 | Says 20 messages; we got 10. 30 starter coins. |
| Premium, billed yearly | $144 a year ($12 / month) | 5,000 messages a month and 400 coins. |
| Deluxe | $35 / month, or $294 a year | 20,000 messages and 1,200 coins. Pictures of private characters. |
| Elite | $50 / month, or $396 a year | Unlimited messages, 2,000 coins. |

- Premium price from our account page on 20 October 2026; yearly prices from the signed-in plans page and monthly Deluxe and Elite prices from GirlfriendGPT’s FAQ, 21 October 2026. Coin packs were 300 for $10, 840 for $25 and 2,000 for $50.
- Our card statement read “NDAI.CHAT” for $15.00. It doesn’t say GirlfriendGPT. SpicyChat’s charge, the same evening, read “NDAI.CC” with the same phone number. The footers of both sites name the same operator, NextDay AI (Montreal, Delaware and Limassol).

## What shows on your bank statement

`NDAI.CHAT 514-2860020 DE US` ($15.00, 20 October 2026)

Very discreet. Like NDAI.CC it only resolves if you already know what it is.

## What we verified

- Premium at $15 a month, its feature list and the card statement (screenshots, 20 October 2026).
- The six-message chat test, the memory upsell window and the selfie (chat log and screenshots, 20 October 2026).
- Content test on a private 28-year-old character: explicit text with Sexiness off, nude photo blocked with “Only Elite or Deluxe users can generate images for private characters” (screenshots checked by a second reviewer).
- Free plan, 21 October 2026: “Free 20 messages” on the account page, a cap after 10, a blurred 10-coin selfie behind “Paid feature”, and a character made for free (screenshots, checked by a second reviewer).
- Cancellation: a required reason, no discount; after reloading, “Cancelled” and “Your access ends on: 2026年11月20日”.

## What we could not test

- Deluxe and Elite themselves.
- Video. Premium lists video in chat, but we had no picture of our private character to animate.
- Exactly how many coins the selfie took: our readings disagree by 10, so we’re not printing a number until we recheck.

## Pros

- The funniest replies of the four we paid for this week, and it passed the memory quiz.
- 5,000 messages a month is plenty.
- The charge reads “NDAI.CHAT”.
- Cancelling is one dialog plus a reason.

## Cons

- A memory upsell blocked the chat box after three messages.
- The selfie took coins without asking and didn’t match the scene.
- Pictures of your own characters need Deluxe or Elite, which Premium’s feature list doesn’t make clear.
- Explicit picture shortcuts sit under the chat box from the first message, whatever you are talking about.
- The free plan says 20 messages and gave us 10, then charged coins for a selfie it wouldn’t show.

## Our take

GirlfriendGPT has the best sense of humour of the four apps we paid for this week. “A joke? From a woman currently wearing a Maytag as a corset?” is a better line than most of the competition manages in a whole chat. It remembered what we told it and gave sensible advice about poker.

Then the shop opens. Three messages in, a memory upsell covered the screen and froze the chat box. The selfie took coins from our balance without a confirmation step. And the thing many people will pay for, pictures of a character they designed, isn’t in the $15 plan at all.

Under the chat box sit shortcut buttons for explicit pictures, there from the very first “I had a long day”. Subtle it isn’t.

Worth it if you mostly want to talk and laugh with the app’s own characters. If pictures of your own creation are the point, Secrets or Ourdream get you there without a second upgrade.

## Questions people ask

**What AI model does GirlfriendGPT use?**

It only shows in-house names: Gem 2.6 (26B) by default, up to Blaze XL (355B) on Elite. Its code lists Seedream and Qwen for pictures and Inworld and Cartesia for voice. The operator is NextDay AI, the company behind SpicyChat. More at /blog/what-ai-models-power-spicychat-girlfriendgpt-dreamgf-xotic-nomi/.

**Does GirlfriendGPT allow NSFW content?**

Text, yes: on Premium in our 20 October 2026 test it went explicit on request even with the Sexiness setting off. Nude pictures of a private character you made need Deluxe or Elite; on Premium the app said “Only Elite or Deluxe users can generate images for private characters.” We met no age check.

**How much is GirlfriendGPT Premium?**

$15 a month, which is what we paid on 20 October 2026. It includes 5,000 messages a month. Pictures cost coins on top. Check the official page before you pay.

**Is GirlfriendGPT free?**

Barely. On 21 October 2026 a new free account showed “Free 20 messages” but let us send 10 before “You ran out of messages”. A selfie request spent 10 of the 30 starter coins on a blurred picture that needed a subscription to unlock. Making a character was free.

**Is girlfriendgpt.ai the same site?**

We tested gptgirlfriend.online. When we checked, girlfriendgpt.ai went somewhere else, so check the address before you sign up.

**What shows up on my bank statement?**

“NDAI.CHAT”, for $15.00.

**How do I cancel GirlfriendGPT?**

Account, Manage subscription, Cancel membership, pick a reason from the list (you must), Confirm cancellation. No discount was offered. Premium keeps working until the paid month ends.

## Sources

- Premium, paid by us on 20 October 2026: account page and card statement.
- Our six-message chat test with Laundry Day Widow (@cosmic_alice), log and screenshots, 20 October 2026.
- Content test on a private character we made, log and screenshots, checked by a second reviewer.
- The cancellation flow, screenshots before and after a reload, 20 October 2026.

## How we tested

How we tested: we paid $15 for a month of Premium, ran our six-message chat test, made a private character for the content test, then cancelled. On 21 October we tested the free plan with a second Google account. A second reviewer checked every claim against the screenshots.

## About this site

Independent hands-on reviews of AI companion apps. We pay for the subscriptions ourselves, record what actually gets charged, and say so where we could not check something. No app on this site has ever paid for a score or a rank. Method: https://thecompanionlab.com/audits/methodology/

All ten reviews ranked: https://thecompanionlab.com/best-ai-girlfriend-apps/