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Simple - Better Banking

By Simple Finance

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Simple offers awesome support, simplified budgeting tools, and most importantly, financial peace of mind. We believe you should be proud of your bank. Download the app and open your account today.



“A Financial Service for People Fed Up With Banks” — New York Times

“Want to Dump Your Bank? Now There Is an App for That” — Wall Street Journal

“I Stopped Using Regular Banks For Two Weeks — And I’m Never Going Back” — Business Insider

“Hack Your Way to Saving Money by Hiding How Much You Really Have” — Wired

“15 best financial sites and apps” — CNN Money

“Best money saving websites” — Good Housekeeping

“Simple offers better customer service, financial management tools, practically no fees, and a great smartphone app.” — Lifehacker



In seconds you’ll receive confirmation of each purchase via push notification. Personalize transactions with memos, hashtags, location information, and photos. It’s like a digital receipt you never have to file away.


With Safe-to-Spend, you’ll know how much you can safely spend today without hurting yourself tomorrow. We factor in upcoming bills, scheduled transactions, and transfers, then do all the math, so you don’t have to.


Goals helps you balance regular monthly expenses, lifelong dreams, and everything in between. We put money aside every day, and subtract that from your Safe-to-Spend. When you’re saving every day, you’ll be amazed how fast you reach your Goals.


Simple Instant makes paying back your friends a snap. Never put multiple cards down at the dinner table again.


Customer service isn’t an afterthought, it’s at the core of everything we do. Urgent question? Call us and we’ll pick up. Don’t need an immediate answer? Message us from within the app and we’ll get back to you, usually in a couple of hours. No script, no phone menus—just real people helping you.


Your funds are FDIC insured to at least $250,000 through our partner bank, The Bancorp Bank, Member FDIC. If your card is ever lost or stolen, you can block it right from your desktop or mobile device. Simple uses the latest encryption to protect your information. We never compromise on security.



Get the smarter way to spend and save!

What's New in Version 2.1.1

Simple 2.1.1 is ready for iOS 8, iPhone 6, and iPhone 6 Plus!

• Added support for the new Dashlane extension for iOS 8 in addition to 1Password.
• Numerous bug fixes.

iPhone Screenshot

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Customer Reviews

Best Bank with the Best Banking App

I have had Simple for almost 3 years now and I couldn't be happier with the app and service they provide. With Simple, you have access to a variety of innovative banking features that no other bank offers. Features like Goals - that allow you to save money and track your spending toward purchases, or the ability to suspend your card without canceling it in case you lose it. You can also instantly transfer money to other Simple customers without having to go through a complicated process of enabling transfers to and from your bank account. One feature that I really love is the immediate push notification you receive when a purchase is made. This helps notify you of fraud if it happens or you can reconcile and organize your account activity immediately after the purchase is made. Of course technologies like TouchID are utilized to make it really easy to sign in securely as well. I can't wait for  Pay integration - after that, Simple will be a perfect banking solution for everyone!

3 stars because of all the bugs

Since the update I've been having so many problems. The latest, nothing in my safe-to-spend. I like the concept, but sometimes I feel it's hard to access my money after depositing pay checks, or any check for that matter. It would be nice if the $200 would be available the day of the deposit at least. If you live paycheck to paycheck it can be difficult not having access to any money. I get paid on Fridays, but it's usually after 2pm (I'm an independent contractor, so no direct deposit) and so sometimes I don't see any part of my check until Tuesday the next week. I end up having to borrow money to get gas or food. Also would be nice if there wasn't a hold on every check if it is a reoccurring one, like your paycheck. I feel like I need to get a "real" checking account and I don't because I really want Simple to work. I do like the goals.

Also, the hold portion of my deposit checks from time to time don't show in my balance and randomly pop back up weeks later. This is very frustrating, especially when this is my only account.

To improve, perhaps add reoccurring goals to this, as I like to use them for my bills. Fix the bugs already, it's been months. The customer service has been excellent.

Overall, I like Simple. However, if these bugs persist, I will end up closing my account.


I have been with you guys from the beginning I love your service it's fantastic. BUT lately with the bugs and the switch to your own payment processing the accounts have been all over the place. When you updated the app it made me feel better thinking you guys hired new people and finally decided to start pushing updates regularly which is what you should be doing improving your system. That's what set you apart to begin with. Ever since you were acquired by Spanish bank everything has gone to crap. But still I have been patient but not supporting  pay just put her icing on the cake.

What the hec are you guys doing? The biggest company in the world  announced it was releasing a payment system WAY WAY IN ADVANCE so everyone (banks) could get there acts together and jump on the band wagon and now they release it and you don't support it.

Are you not supposed to be disruptive. What is going on ? Seriously this is ridiculous really lets get on the ball here people.

The one positive thing I could say is whoever your iOS dev's are THEY DID A FANTASTIC JOB ON THE DESIGN OF THE APP GREAT JOB and customer service is great. Other then that get on the ball people. I'll put 5 stars when I see  Pay support.

Simple - Better Banking
View In iTunes
  • Free
  • Category: Finance
  • Updated: Oct 14, 2014
  • Version: 2.1.1
  • Size: 12.5 MB
  • Language: English
  • Seller: Simple Finance Technology Corp.

Compatibility: Requires iOS 7.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5, iPhone 6, and iPhone 6 Plus.

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