iPhone Screenshots


Qapital is an easy-to-use banking app that allows you to manage your spending and save automatically. Get started today and save $1,400* in a year without any effort!

• Spend - Get a smarter checking account
Open a free checking account, get your Qapital Visa ® Debit Card** and take control of your spending habits. Direct deposit your salary, set up you weekly spending target and that’s it. You are now in charge of your spending! (And you get interest on all your Qapital accounts, pay bills, send checks, lock your card, set & reset your pin, etc. )

• Save - Put your savings on autopilot
With personalized savings goals and automatic rules, we help you save a little bit all the time so you don’t have to think about it.That’s it! You’re now on your way to stockpile your money.

• Invest - Let your money work for you #ComingSoon
Got big Goals? Start investing with Qapital and let your money work for you, so you can reach your goals faster! Investing is now finally as easy as saving and you are in charge of both.

• Bank level security
With 256-bit encryption, overdraft fail-safe and FDIC-insurance up to $250,000, your money is safe at Qapital and you can access them whenever you want.

– Does Qapital work with my bank?
Very likely. Qapital works with over 10,000 banks. Just download the app and see for yourself.

– Does Qapital work with Apple Health?
Yes! Qapital uses the Apple Health app, allowing you to set up savings rules that are triggered by your fitness activity, so both you and your finances stay in shape ;)

– Is it free?

– How do I pronounce Qapital?
Capital ;)

* Average amount saved by Qapital users during 2017
** Issued by Lincoln Savings Bank, Member FDIC

What's New

Version 2.41.0

Bug fixes and other improvements to enhance your Qapital app experience.

Ratings and Reviews

4.8 out of 5

30.6K Ratings

30.6K 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.

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.


Qapital, Inc.
237.3 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2018 Qapital, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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