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You know that savvy friend who’s super good at saving money? Yeah, well, good for them. But we’re not all that person.

That’s why we built Qapital, a new way to bank that makes it easy to save money for the stuff that really matters to you. Our “Goal-focused” approach to checking and savings accounts makes smart money management effortless, motivating… Even a little fun.

Here’s how it works. Just pick a Goal (like a vacation to Iceland, paying off student loans, a new guitar, or all three). Then set up automatic ways to save for them. Rules like…

• Round up every purchase to the nearest dollar and save the change
• Save $20 every Friday
• Save the difference when you come in under budget at the grocery store
• Save $5 every 10,000 steps you take by connecting Qapital to your Apple Health app*
• Or anything else you can dream up!

All these savings go into your FDIC-Insured Qapital Goals account. One day you’ll open your app and say, “Holy crap I’m 90% of the way to those festival tickets! When did I get so good at saving?”

You’ll also get an interest bearing checking account and the Qapital Visa® Debit Card** – a debit card designed to help you track your day-to-day spending. You can save for your Goals whenever you swipe, see all your weekly spending and savings in one place, and easily transfer money between your Qapital accounts instantly.

Just like banks, Qapital comes with bill-pay, e-checks, direct deposit and top-notch security. UNLIKE banks, we don’t charge monthly fees (we think that money should go towards your Goals instead).

You, too, can be that savvy-saver that all your friends ask for advice.

So download Qapital. Set a Goal. Become a modern money master.

*Qapital uses the Apple Health app, allowing you to set up savings rules that are triggered by your fitness activity.

**Issued by Lincoln Savings Bank, Member FDIC

What's New

Version 2.14.0

• New! You can now pause all your Rules at once. Go to the new Rules page under the Transfer tab > Rules. From there, you can choose to temporarily pause all your Rules with one simple switch. We call it “Snooze” because your Rules automatically resume 14 days after you pause them. Don’t worry - we’ll notify you when they’re about to resume!
• As per usual, this release also includes a few under-the-hood improvements designed to make your overall Qapital app experience better, stronger, and faster.

Customer Reviews

4.8 out of 5

16.1K Ratings

16.1K Ratings

Editors’ Notes

The whole “saving money” thing kind of sucks. First you need to cut back expenses, which is about as fun as your Aunt Martha’s yearly slideshow. Enter Qapital. It lets you set up rules so you don’t even have to think about saving. Our personal favorite: rounding up every purchase by two bucks and sending the extra dough straight to our savings account.

5 stars!!!


I’ve always been awfully putting money away and saving it. I stumbled upon Qapital one day and decided to do some research. I love the idea of making up your own rules for saving money and now find myself excited every time I use my card and know the round up rule will take my change and store it away for me. I was skeptical as many are about giving my bank account info to anyone never mind an app. But after reading many online reviews and articles about the company, I decided to give it a shot. I’ve had nothing but an outstanding experience while using the app. I just ran into a snag over the past few days where the app was having trouble connecting with my bank. I opened a ticket to them and within minutes had an answer from SANDY asking me to try a few things. Within an hour or so everything was back up and running like nothing had happened! Great customer service! If you are looking to save for a wedding, a trip or even just to have extra money put away for emergencies this is the app! I can’t wait to get my Qapital Visa card in the mail and can’t wait for the Qapital Investing that is soon to come!

First time I’ve successfully saved money!!!


This app has changed my life! I’ve never been able to save money. EVER. I have some credit card bills and some issues with my car that I’ve been meaning to pay off but I never save enough money to do so. I usually just spend whatever extra money I have on food or shopping! With this app I’m able to save without even thinking about it! It auto drafts $100 out of my account each month and now I have $400 saved up!!! One week I only had $200 in my account and the app wouldn’t take my $100 withdrawal out until I had more than $200 in my account (to prevent over draft fees) HOW COOL IS THAT?! I feel that the creators of this app truly care about people who have a difficult time saving money. Which is hard to find now in days. Most every company or app wants to charge you for their services but not these guys!!! I’ve told all my friends about this app and I hope they start using it and I hope you do too!! It’s customizable, easy to use, free and just flat out AMAZING! I’m so happy I found it. Thank you, thank you, thank you!!!


Qapital, Inc.
206.3 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2016 Qapital, Inc.


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