Simple - Better Banking
By Simple Finance
This app is only available on the App Store for iOS devices.
Bank beautifully. Easily budget and save.
Simple is online banking with built in tools to easily budget and save. It’s the whole idea of banking, remade with beautiful design, no fees (we don’t charge those), and genuine human goodness.
Set Goals to save automatically, every day.
Create a Goal for anything, big or small. Every day, your account automatically sets aside what you need to save. Stop, start, or change your mind any time. Goals also work as digital envelopes to store money for all your budget categories.
Always know what’s Safe-to-Spend.
Safe-to-Spend is a more trustworthy version of “available balance.” At a glance, you’ll know what’s left after your Goals, scheduled bill payments, and pending transactions. You'll worry less about obligations and overspending and enjoy your money more.
Block and unblock your card with a tap.
If you lose your card (or it’s just found a clever hiding spot), lock it, right from your phone. Your actual account stays open, so there’s no risk in playing it safe.
Everything with you wherever you go.
• A beautiful Simple Visa® Card
• Real, friendly, human support
• We don’t charge fees for anything
• More than 50,000 free ATMs nationwide
• Photo check deposits
• Free instant transfers
• Get personally rewarding finances.
Save more. Worry less. Get things done. Go places.
You deserve that, right? Of course. Everyone does.
Banking Services provided by The Bancorp Bank, Member FDIC. The Simple Visa® Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Banking Services provided by Compass Bank, Member FDIC. The Simple Visa® Card is issued by Compass Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
What's New in Version 2.32.0
A great bank for kids.
The app itself is a beaut and works great. It’s definitely on the forefront of changing the way banking works and looks. But it’s not quite ready for demands beyond a very simple and limited debit card.
Simple failed us when we needed to buy a car and a house. You’d think an online only bank would be able to wire and transfer money with ease. But if you need anything significant (>$5000) they have to mail you a cashier’s check which can take up to a week. The Bill Pay works in a similar way as you can only link accounts in your own name, so for bills they send a check in the mail (but won’t issue you checks). It took almost two weeks to square up with a friend by the time the check was issued, sent, delivered, deposited and cleared.
If you really need a second and external checking account for small purchases, go for it. Or it could be a great way to engage kids into finances and managing money (it does look nice and work well). But I would highly caution it’s use for more core account usage.
Toy version of banking
Bill pay is checks mailed only. No electronic payments.
Deposited checks take forever to credit. My BofA online deposit is 20x better, more reliable, and 4x faster.
Safe to spend is a joke because Goals are a kid's idea of what money management is.
Budgeting and forecasting is non existent. If you try and use Goals for real budgeting, you have to enter in Goals again every month or heaven forbid every 2 weeks.
Website is just as tinker-toy as the app.
Customer service just apologizes but nothing ever gets fixed or improved. Except new icons and colors. Useless.
No iPad app. No landscape version of iPhone app.
I'm taking my account to a real bank with real life features, that can be accessed by real apps.
If I could ruin this bank in real life just out of spite of how much hassle it's been trying to use them, I'd do it. I'd take food out of their children's mouths and send them all to the soup line.
Great update! The app itself is brilliantly designed and is constantly being improved upon. Attention is spent on every detail; from the friendly and personal support, to the way you can block a lost or stolen card, to the overall feel and aesthetic. Thank you for spending such time on everything.
I would love an iPad version, though...