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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

Version 2.54

Buckle up, friends, Simple Expenses is live! This badass budgeting tool automatically tucks away money for your monthly bills and expenses, so when you’re out there spending you can be confident that all your bases are covered.

In addition, this update contains smart tweaks, helpful fixes, and lots of good cheer.

Ratings and Reviews

3.9 out of 5

605 Ratings

605 Ratings

All good until you actually need customer service


Ive had simple for almost 2 yrs now and loved it. The alerts when you spend, photo deposits, and the app were all great...until I moved. I relocated and was staying in corporate paid hotel for about a week and called to alert simple of an unauthorized hold for literally $1. They immediately cut off my card without even contacting me back.
They then refused to send my card to the new address and the rep said there should be someone at my old address that could give me the card. When I explained I live alone with two children and there wasnt I received a series of emails on how Simple shouldn't be my only bank and the hotel should be able to give me something saying Im staying there even if they are paying for it. A week later and after sending in multiple photos, documents, messaged and calls I still cant get a new card because the photo of me in front of my new address isn't clear enough...I have an iphone 7. I even sent in an email to show where I was having service connected at the new apt Im moving to in my name. Still not enough. Simple has some great features, just know if you ever loose your card and happen to be out of town or recently relocated just know you may be treated like you’re trying to steal your own money. You'll have to wait for emails to be responded and the approval is at the whim of whoever happens to get the email.

I can’t believe how much my finances have improved


I’ve considered myself a fairly competent adult when it comes to basic money matters. I think I was overestimating myself. After switching to Simple checking/debit from Bank of America, I’ve managed to save $20,000 over the course of a year! I clearly wasn’t being very disciplined when it came to saving. Simple made this so easy for me. I seriously have no stress about money anymore. Yay.

Keep in mind you will need a separate savings account to put your extra money into every once in a while. Simple is not your only banking solution! It’s not easy to quickly get large sums of money out of a Simple account, so be an adult and open a savings account at another bank. (You’re not going to accrue very much interest on a checking account anyway, so don’t turn down that extra money.)

I do wish that there were more ATMs in he Simple network. I moved to a new neighborhood in Seattle and there are no affiliated ATMs here. That said, who gets cash at an ATM anymore?



I’ve had an account with Simple for about 3-4 years now. For the most part I haven’t had serious issues with them, perhaps because I have a back up account with a physical bank and my simple account was one that I used sporadically. Simple isn’t the most convenient, but if you don’t need a physical branch it seems like a decent option, especially because there are no fees.
My trouble began when I lost my wallet and my rarely used Simple card happened to not be in it, which made it into the only card I had. I asked my husband to write me a check so I could have money on my account while traveling. Simple put my check on hold for a period of 5 days, which turned into 9, without anyone being able to give me an accurate answer about when my money would be available. I have never deposited a check that bounced or over-drafted my account. There was no reason for the hold in the first place, especially because all of my prior checks (personal and business) were made available the following day. I was left frustrated and inconvenienced.
I will be closing my Simple account. You can find a better bank with less hassle.


Simple Finance Technology Corp.
101.8 MB
Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2011-2017 Simple Finance Technology Corp.


  • Family Sharing

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

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