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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 2.16.1

This release includes a few minor bug fixes and under-the-hood improvements to make your overall Qapital app experience better, stronger, and faster.

Customer Reviews

4.8 out of 5

18.9K Ratings

18.9K 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.

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.

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!


Qapital, Inc.
208.2 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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