Qapital is the only mobile banking app that lets you save smartly, spend happily, and invest comfortably with intuitive tools that make it easy to take control of your personal finances. We’re committed to making money work for our users, not the other way around. And with more than 35,000 five-star reviews, we’re pretty sure we’re on the right track. Last year, our members saved an average of $1,500*. What would you do with that extra cash?
•Automated saving so you can get more done
With personalized savings Goals and automated savings Rules, you can save money without thinking about it.
Purchases and other transactions made from your connected accounts and cards automatically trigger savings Rules, getting you closer to your Goals.
Choose from any number of free in-app savings Rules, take advantage of our Apple Health integration, or customize your own Rules with our IFTTT integration (we have a few to get you started).
Once your Goals and Rules are set, you can watch your savings grow in real time.
•A checking account that helps you keep more of your money
Our checking account skips those traditional bank fees. There are no low balance, overdraft, or foreign transaction fees. Instead, you get a brand new Qapital Visa® Debit Card** to help you save while you spend.
Transfer funds instantly between your Qapital Goals and Spending account, and benefit from a Spending Sweet Spot that helps you stay on track and reach your goals.
With Qapital Spending you’ll get:
- Direct deposit
- Interest on all of your accounts
- Weekly Insights
- Automatic bill payment
- Mailed checks
- Purchase notifications
- In-app temporary card lock
- Ability to set & reset your pin
- More to come!
•Personalized investment options to help you build more wealth.
with Qapital Invest, we’ve made investing as easy as saving. You can earn more toward your long-term goals with personalized portfolio recommendations based on your risk profile. We monitor your account, reinvest dividends, and rebalance your portfolio based on changing market conditions so that you don’t have to.
Just set your Rules, spend happily with your Qapital Visa® Debit Card, and watch your investments grow.
•A better way to budget with Spending Sweet Spot and Payday Divvy
With Payday Divvy, you can pay yourself first by setting aside money for your expenses, your Goals, and your everyday spending as soon as your paycheck arrives.
Use Spending Sweet Spot to find a budget for all of your weekly expenses, become mindful of where and how you’re spending, and use that insight to find a spending amount that makes you happy.
•Bank level security and protection with you in mind
With 256-bit encryption, overdraft protection and FDIC-insurance up to $250,000, your money is safe at Qapital.
•A new banking experience, intelligently designed for you
Find your financial balance by using Qapital to help you save more, earn more, and reach your goals faster. Join our community of members dedicated to becoming their best financial selves.
* Average amount saved by Qapital users during 2017
** Issued by Lincoln Savings Bank, Member FDIC
Performance improvements and some bug fixes.
Ratings and Reviews
This app can be great
I used this app for about a year. And it did serve it’s purpose for me and well! I hate to be the kind of person to leave a negative review but at this point I feel like I’m out of options. There is no phone number to contact them so you have to contact them through email only. I closed my regular bank account and opened with a credit union so I needed to change my funding account. So I filled everything out that I needed to fill out but no matter what I did I could not connect my bank on the app. Response time was extremely slow and honestly not helpful at all. I basically was just told to “try again” multiple times. Well it never worked so seeing as I can’t transfer money over to them I asked to close my account. It took a week for them to respond and no questions as to why or if I was unhappy with the app. The woman I spoke to didn’t even take the time to check my account to see what type of account I had that I wanted to close. When I confirmed I wanted to close my spending account she replied immediately that she closed it and sent the money to my bank. But since my bank never connected I don’t know what bank she actually means? The response time is just so slow and so frustrating. When you’re dealing with peoples money customer service is a big deal. But like I said this app is great for saving money and what it’s meant for. But if you have an issue that you need resolved good luck.
Developer Response ,
Hi Julie. I apologize for any issues you experienced while using Qapital and any misunderstanding that took place when deleting your account. We have sent you a follow up email from our support inbox, so please feel free to reply if you would like to discuss anything further. We would love to get you back on track with saving!
So far so good...
All I can is so far so good. Saving isn’t really a strong suit of mine, so I saw this app and thought I would try it. I did a lot of reading on forums and just reviews of the app and was assured that it’s not a fake site since it is backed by Wells Fargo Bank. The first week I signed up I had my water heater go bad on me and I needed to replace it. I added the Lowe’s account as one of my guilty pleasures and then I started to save. I started to save by rounding up and also by charging myself $2 extra everytime I made a purchase. Needless to say I had to make a total of 3 trips to Lowe’s land a minimum of $6 I saved. That is not including the round up part. I use my debit card on just about everything, I very rarely carry cash. Soo everytime I make a purchase I save a little. Yes it does come out of your bank account, the app isn’t giving you the round up money, so make sure you keep a little more in the account to compensate for a little more being deducted when you make a purchase. The app is pretty cool... I also have their debit card that I can use to make purchases. Tells you where you saved and where you guilty pleasure was used. I would recommend it and have to a bunch of friends that have already signed up. I would have given the app a 5 but haven’t been using it long enough to get the full experience. I will do another review in a couple months.
Natural saver *long post*
Read some reviews from ppl who aren’t typical savers so I figured I leave one from my natural saving perspective. I love this app because it’s exactly what I needed and very simple, user friendly. I love that you can set up your goals with a visual picture (similar to a vision board), really makes you want to save towards your goals more every time you open the app. I also love all the options at hand for HOW you want to save and how much. I have complete control over this which was very important to me because I know how important it is to save (no matter how little) when you can, especially when your finances fluctuate as much as mine do because I’m a student-veteran in college. Another thing is the transferring, I have an emergency fund I set up and it works as such, life throws lemons so I have my lemonade stashed in this app. The only CON/Downfall is that your money is not gaining interest while it’s sitting there. So if you just need an app to get you into the HABIT of saving again cause you’ve fallen off the consistency train, this is perfect but if you’re looking to save with some interest, stick to your bank and just get some discipline. I personally save my money through Qapital and then transfer the money to my accounts. Good luck and enjoy everyone!!
With Family Sharing set up, up to six family members can use this app.
Get things done within this app using just your voice.