Qapital: Set & Forget Finances App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

Great app poor performance. The app itself is great. The features the interface even the investing aspect is all very good. But it’s too buggy for me to trust placing my money into it. I’ve used it off and on for about 2 years now. I always kept some money in my account but I will be looking for another alternative now. The time it takes for transfers to initiate, actually transfer, and then become available in your account is upwards of 4 business days. Since it is a savings app. Would typically look past that, but that along with my bank account randomly disconnecting with no ability to reconnect for a certain time, the app randomly crashing, and now being unable to open the app at all. I’m fault of my own a large amount was taken from my bank account and placed into qapital. I do need this money too so I figure okay I’ll just transfer it back, wait a few days no big deal. But the app will not open at all now. I’ve deleted and redownloaded the app and still nothing. I’ve been dealing with similar bugs for 2 years but this was the icing on the cake. As soon as I am able I’ll be withdrawing my funds from If you’re already a customer I won’t try to convince you otherwise. But until these bugs are fixed I cannot recommend this to anyone.

Works as expected. Been using it for a month now. Stuff really does add up but you definitely do see the money leaving your account. But I also have it set to take $20 out of my account every week as well as have the 52 week rule where it starts off with $1 on first week and increases by a dollar every week after that. I guess if I only had it on roundup I might not notice the money leaving my account. It’s nice if you want to save for small things up to like $500. But if you want to save for big things like international trips it will take a long time before you get to your goal if you’re just gonna use the round up rule. Unless you’re using your card like 15 times a day and round every purchase up to the nearest 5. Which I doubt many people do. It’s fun nonetheless to see your money add up with the satisfaction of eventually being able to pay for something. I think I like it because I don’t have strict discipline so it’s nice because the money leaves my account so I’m less likely to spend it but if you are good about saving your money I don’t think you will get much out of this app.

Very helpful. I really wish my bank offered some kind of “round up” program. Qapital has been SUPER helpful for me. I’m not the kind of person that can manually transfer money into my savings. And having it done with direct deposit seems to make it easier to transfer right back into my checking account for usage because it’s such a large amount at one time. Like, if I put $500 in savings from my check, it takes such a huge chunk out of my checking account. Qapital takes little bits at a time. I have my “round up” rule set to $5. I also have an auto transfer of $25 every week, AND 5% of each deposit made into my checking account. This may sound like a lot, and I guess it is. But with these rules, I’ve been saving between $700-$900 a month (usually $800). And I hardly even notice. Absolutely loving Qapital. Highly recommended. I also have the card. Never had any issues. I have $50 going in there a week for random nice dinners or nights out and such. Oh! And I love the cute little milestone celebrations when you get closer to reaching your goal :)

Make saving a game. Saving money always felt like taking something away from my present self to give to my future self, so I rarely did it. But with Qapital, I find myself jealously guarding my savings, and trying to find more reasons to save. It's a wonderful concept, and it works great. Plus, if you get their debit card, they pay interest on all savings; better interest than many other banks offer. And now they offer automatic and commission-free (which is not to say without charge) investing. I've looked over their fund picks; they're good ones. They've got an interesting approach to diversifying your investments that I like. By far the biggest flaw is the lack of a free tier. Having a savings account—even a spiffy one like this—shouldn't cost $6/mo. Remember, they make money off your savings. Paying for investing—and even checking—is okay, but the basic features should be free. I find it hard to recommend this app to friends without a free option. The only other real flaw is that you can't exclude some transactions from the Rules. There are tons of possible options for saving, but I only use the Payday rule, saving 10% of every paycheck (split between various savings and investment accounts), and Set and Forget to build up savings for my next car. I do wish they had a more aggressive portfolio, something like an S&P 500 Index, getting ~10% returns.

Cherylb61. I started using the Qapital App right after it's inception. I am in my mid fifties and have a great career but have had difficulty truly saving money like I should. When I came across the Qaptial App and did what research at that time was available I knew this was a good tool for me. Since then the Qaptail app has really exploded and grown in popularity. Since adding their latest addition with the Qaptal Debit Visa (which I just received) and am excited to start using! I cannot say enough great things about Qapital and how it has helped me save money like never before! Of course there has been some kinks and bugs along the way, as with anything new, but there CS Dept. has pretty much always been very responsive to assist me when needed. I was a little bit leary at first since Qapital only offered online assistance and no phone number, but again when needed they always have responded quickly (CS) when I has questions/issues. I know this is a very long review but I felt it was worth the time!! I highly recommend Qapital App to everyone!

This app is broken!. So supposedly my bank account got unlinked but when I try to transfer my money from my Qapital savings to my checking account it shows that my checking account is non-existing, and the app tells me to link my bank account and when I do it shows my checking account. I click on my checking account and press the button “select funding account” and the button is blue and loads for about 1 second then turns blue as if I never pressed the button. I’ve tried resetting my app, logging out and back in, deleting the app, and selecting the button 100+ times and nothing is working ! I have no way of accessing the $100 in my Qapital savings account and if you don’t know, IT IS IMPOSSIBLE TO GET AHOLD OF THE QAPITAL SUPPORT TEAM. If you’re dealing with someone’s money, there should be an easy way to contact you if something isn’t right. UPDATE EDIT: So after 2 weeks the developers finally fixed my account, apparently it was frozen now I can say the app is a cool way to save money but just be aware of something happens you’ll have to wait about a week to get a response and for them to fix it!

AVOID this app and company. My wife and I opened accounts with Qapital and began saving through rounding up transactions from our funding account, which is a personal checking account that is not part of Qapital. We didn’t like how it worked, so we cancelled/deleted the rules within Qapital which created those automatic withdrawals, but the withdrawals from Qapital continued. Then we closed our Qapital accounts completely. More than three weeks later, after confirmation that our accounts were closed, Qapital continues withdrawing money almost daily from our checking account — which they call a funding account. We have asked Qapital repeatedly, no less than five times in writing, to stop taking money from our account, and to refund the funds they’ve fraudulently withdrawn from our account. In writing is the only option you have — they refuse to provide phone customer service and won’t even provide a phone number to call. Each time, they’ve done nothing to stop the withdrawals. We are reporting their transactions as fraudulent, as we have no other choice — they will neither acknowledge the withdrawals, or refund the money they are taking from us. Avoid this company! There are too many good banks and financial institution options out there, but Qapital is not one of them.

So far so good. Update: At this point I’ve used Qapital for almost 2 years and have saved for major life goals with the help of Qapital. I highly recommend this app for helping to make sure that you’re actually saving substantial parts of your income and investing over the long term. My investment accounts with Qapital perform better than any of my IRA or 401k accounts. I wish I could switch my investments and move them into Qapital. I’ve been using Qapital for about a month, and while I heard of the app years ago before they had a US banking partner, the service so far has been everything I expected. Qapital allows me to keep things really simple - I just want to round up all my purchases and save - and Qapital does just that. They don’t try to add or pitch me on investment products or portfolio management or continued cross-app integrations. I really like that aspect as well and it stands out from other apps in that regard. The only thing I haven’t done is save a substantial amount in accounts managed or connected to Qapital. I have some security and stability concerns. Would love to hear if anyone has over 5k or 10k being saved or invested in accounts associated with Qapital.

I love love love this app. I’ve been using this app for quite a while and it’s one of my favorites I am notoriously bad at saving money but this app makes it easy and even a bit fun! If I had to share a criticism though it is that Qapital is not the most easy to understand in terms of checking my bank account. For example: Ot checked my bank account 10am yesterday I had about 126$ in my account. I got paid yesterday some money in the evening and afternoon. I asked Qapital to put away 50$ into my savings and today around 7am received a notification that my account was on hold for overdraft protection. That’s fine Qapital will eventually check and notice I have over 500$ in my account now but at the same time I don’t know exactly when because obviously they didn’t check today at 7am. It’s not a huge deal just means my deposits are on hold for a couple days but still I wish I could force Qapital to refresh my bank account or get an approximate time as to when checks are performed as we are just told Monday through Thursday but not when and like I said obviously Qapital hasn’t checked any time today or they’d see my bank account is fine. Still fantastic app though!

Hyphybae. I was the worst saver before Qapital-aimless spending, no goal management. Qapital has allowed me to stay goal focused and make a dent into savings for things like an emergency fund, a downpayment and a fancy tent for burning man. While it took some getting used to, automating savings was what I needed and changes how I live-I see my bank account and I think I’m broke-but really Qapital is putting my money where my mouth is. I’m no longer talking about my wants but going after them and that feels good. Setting up rules based on my spending behavior makes me think twice before swiping at the register. Every time I make a gas purchase, I put a little more into my car maintenance fund just in case I might need it down the line. The best part is when you get settled with Qapital and see your savings stack- it’s addicting! You can actually visualize your goals-manifestation baby. If I had some critiques of the app it would be that it isn’t a high yield savings account and your money isn’t growing based on the any interest earned on the account itself-just your hard work. Now that I’m approaching 10k I need to start looking into a more permanent solution but Qapital showed me that I have what it takes to actually save.

They always gotta ruin the good things... ****** UPDATE——- so utterly disappointed in the new changes of starting to charge $8 a month, qapital used to be a SAVINGS app which Im sure most people didn’t touch the money in the account, but if you start taking $8 a month out... your savings will most likely slowly disappear. So I found this app the beginning of this year- and set the round up rule and actually forgot completely about it one day lookin thru my apps seen it and in 3 months already had $40 saved up and that's just the extra pennies from purchase to round up to nearest $1. They have all sorts of different options for saving how you like, started doing $50 a week transfers and got up to $600+ saved I've used a lot of finance apps that say they'll save you money but this one really works for us and I'm greatful to have come across it! Their one and only downfall I'd say is they do take a couple days for your linked bank to be updated and transfers to be complete so hopefully one day it can be synced faster or immediate. And the qapital spending card has really saved my but a couple times! OH and I can't forget to mention how amazing their customer service is, 💯Give qapital a shot, you won't be disappointed!!

Very helpful. I’ve been using Qapital for years now and I have found it so helpful. Admittedly, I’m not naturally the best with money. For most of my adult life I’ve settled for living paycheck to paycheck with no cushion. However, with Qapital, I’ve been able to save significant amounts of cash, by creating realistic, achievable goals. The app itself is pretty simple and intuitive, and improving from time to time. The concept itself, while also simple, is very effective. Having goals helps to create a savings target, and putting money towards each goal gives you a sense of momentum. Instead of just saving aimlessly, or saving some huge number for, say, a down payment on a house, smaller goals create that momentum and encourage my savings habits. Lastly, and this isn’t really so much about the app as it is about saving in general — money doesn’t buy happiness, but it does provide you with peace of mind and freedom. Peace of mind knowing the last dollar in your checking account isn’t the last dollar to your name. And freedom to enjoy life without the stress or pressure of feeling like you’re always just “getting by.” I can’t recommend getting into that mindset enough, and I can genuinely say that Qapital has been so very helpful for me, in that regard.

Nice way to start emergency fund. I love using this app. Very easy to use. I just wish the deposits were more frequent. I use the set and forget rule added with round up rule. Picked to have $2 dollars a day, because who would notice just few dollars a day? Except, it builds up and then by the time it does come out it’s a big enough amount that I notice (at times over $60) I recommend getting the debit card. Otherwise, you’ll need to wait a few days for the money to be put back in your account, which is a pain if this is your emergency fund. Update: I have still been loving this app. I don’t really use it for savings. I take what I’ve earned each week from round up rule and transfer it to my debit card. Then that’s what I use for the week for lunch at work. The only thing I’ve seen change since I started using Qapital, was they now charge monthly fee. Not sure of the prices, I started using this so long ago that I was grandfathered in on the account type I was using. They still only deposit money in your account on certain days. But I did discover that if it’s starting to get higher then you really could afford, that you can go in and cancel pending deposits individually until you get down to the amount you’re wanting. And if your primary account gets down to a certain amount,(believe $150) then they will pause withdrawing from that account. Only reason for not giving 5 stars is because of their deposit schedule. Otherwise I love this app

Love this app. I *LOVE* this app. Easy to use, no fees (except ATM (use cash back, parentheses-ception!) and international), friendly UI, and the best is that any spending from the Qapital Spendings account (the Visa card Qapital issues you if you signed up for a checking, aka spending, account with them) is reflected INSTANTLY in the Qapital app, allowing me to track my spending as they’re happening. This prevents me from overdraft fees as well as better helps me budget. An exception I’ve noticed is when I’m electronically transferring funds from Qapital Spending to credit card company’s to pay my credit card dues. Still, that’s way better than my old account, which posted transactions 2-3 business days after they’ve occurred. Even if you don’t sign up for the Qapital Spending, it’s a great app to help you save without realizing it. Just gotta link your main bank account, and pick some rules that’ll go into effect, like “Round Up” which will round up any purchases and save the change, or “Set & Forget” which saves a certain amount in a set time interval. Give it a try!!

Just started using Qapital. Just recently started using Qapital after some online research and reading user reviews. So far I really like the app and have saved over $50 in a couple of weeks. I am using this app along with Acorns and Digit so I have a few side savings spread across those apps. I started off with "set it and forget" sum and the "rounding up" feature, just to test how much I could save with just my spare change. You'd be surprised at how much you can rack up. I have a specific saving account set in Qapital for a trip my boyfriend and I are planning. Once we go on that trip I'll set up a new saving account in the app. I also like that the app gives you notifications on your savings. You can also see a more detailed breakdown within the app. I really like this app because I can be very hard to save when you have a lot of expenses. This is a nice way to set up a savings that does the work for you. And honestly you don't even notice or miss the change the app puts away for you. Definitely worth trying this app if you want to save money, even if it's just using the round up feature. this app proves that anyone can save some money on the side no matter your income.

All you need is qapital. This is essentially a savings account but a more rewarding one. Daily updates and notifications (that are not annoying, more like exciting). Setting silly goals, for serious money. I was unaware of how much money I could really save until about 3 months in to using this app. Though there is a lot of other competition, qapital wins every time because they have the ability to support my account that stands with a small local bank, as other apps do not. Every review must have a down side or a flaw.. the only minor problem for me is that transferring money back into my normal account, while it states it'll be there in 2 business days, for me takes 3 to 4 days on average .. may be a small problem or wake up call for a procrastinator user. I highly recommend this to all my friends and it's very user friendly. Every time you sell this idea to your friends or family and get them to download it, qapital will pay you 5 whole dollars per person... that is a Starbucks frapp babbyyy. Ive treated myself to 3 free Starbucks drinks so far... my future is looking bright.

Budgeting made easier. I’ve grown grateful for Qapital. I’m the sort of person who feels money burning through my pocket. So when my checking account says I have money, I get excited and I spend it. Qapital gives me the ability to see what I actually have for spending money and set different goals for future purchases or monthly expenditures like rent. For example, I get a paycheck eve try two weeks. So half of my rent needs to come from each paycheck. I set up a rule that every time I get a paycheck, a percentage of it (half of my rent) gets saved to my “Rent” goal. At the end of the month I put the money from the rent goal into my spending account and my autopay will pull the money on the first. I can do that with future expenses too, like I’m going on vacation. So I figured out how much money I wanted to have accessible by the time I was on vacation, figured out how many paychecks until that date, and set up a rule to save the money from each paycheck to get me to the total spendable money for my vacation. This helps me not spend the money that has a future use. I can see when I’ve overspent a previous month because my spending account will be lower than I like. So if you’re like me and need to see the actual amount of money that you can use, this app is for you!

Great App! Love it. Th app is great! I have been using it for more than 3 years. I have also have referred a lot of people to it. Unfortunately yesterday I received a notice that I had to update my app. Which I did but after I updated it I received a message that there is a $8 monthly service charge to use this app. Really!!! That is almost $100 a year. I could understand if I received interest from the money in my Qapital account. No interest, so Qapital is getting interest from my money and charging me $8 to hold it. But what really makes me upset is that I know someone who has been using the app as long as I have and Qapital sent them a message saying they are grandfathered in and don’t have to pay a monthly fee. I keep reaching out to customer service to ask why do I have to pay and they continue to send a stupid generic response. Really!!! This was a good idea until someone got greedy. Think about it, if people had an extra $100 to give away they wouldn’t be using this app.

Great app!. I love this app. I didn’t realize how easy it is to have a few hundred dollars saved in a month by using the round up rule. I haven’t been putting any money in my savings because I feel like I haven’t had any extra lately. This makes that possible. The only reason I gave this 4 stars is because this app doesn’t make small transactions throughout the week; rather, it adds it all up and takes out a big chunk at the end of the week. I would much rather see 35 mini transactions throughout the week vs. 1 large one. Having it all taken out at the end of the week just feels like another bill. And it’s harder on my bank account. Since I have several savings goals set up, and they all have different rules, and it’s hard to see how much will be taken out when they’re all added up. Sometimes it’s $30, sometimes it’s $150. I don’t like being surprised when I see $150 suddenly taken out of my bank account. I cut it pretty close to overdraft some weeks, and I feel like small transactions would prevent this, as I’d see it coming from farther away.

I love this app. This app has helped me so much and in so many ways. I am usually the type of person who wants to save money but have a hard time doing it on my own. I love the different features, especially the ones you can round up the dollar amount and fund it for specific accounts. Next year I have to attend three different weddings and a family reunion, which is a cruise. One of the wedding is my mother’s and the other is my own. I would have NEVER been able to save without this app helping me to be discipline. The one thing I also love is if I have an emergency (which I did, my ac went out this summer ☹️) I was able to borrow from here and not be charged a processing fee if I wait 24 hours. Plus, them money was safe and it was very helpful to complete this project without going to the bank and breaking my pockets to get the ac fixed. Plus the money was available only because I started saving with this app! Thank you to the creators of this wonderful app. I currently have not received my card in the mail, but I’m ok with that because it keeps me more disciplined without it and makes me double check my true intentions when it comes to spending unnecessary money.

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.

Needs a new update. I’ve been using Qapital for 7 years and continue to use it religiously. It is a great tool to help save money not just for your own goals, but to team up with your friends to save towards a goal together (a trip, rent, apartment funds, etc). I got their debit card as well since it is super convenient when you travel internationally since there are no travel fees and it helps you to keep to your budget. With this, I stuck by them when they started charging membership fees (in order to keep the debit card), which was upsetting, but the cost was low enough that I let it slide. I even stuck by them when they started charging for same day withdrawal before 12 pm. However, call me crazy, the recent update is driving me nuts where you can’t see how much you and your partner have each contributed towards a joint goal. You have to go into the “transfer funds” window to see how much you have contributed. Additionally, it should be easier to transfer funds between you and your partner when you’re on a joint goal. This has always bothered me that you can’t do that. It takes way too long for me to withdraw funds from my Qapital account (which can take 1-2 days) and then wire it over to my friend in another third party app. There should just be a function for this in the app.

They took my money.. Opened this account a few years ago to save some money. Cool. Liked the app. Then, my bank changed their name. Routing and account number stayed the same. However, they disconnected my bank on the app. I tried so many times to reconnect my bank with no success. So they started taking the membership fee out of my savings on the app. At this point I’m a little annoyed and decide I want to take my money out of the app and close my account. I try once again to reconnect my bank, with no success. Even tried talking to an agent. Finally I decide that I’ll just let them take the money out of my app savings for the membership fee and once the savings runs out I assumed they’d close my account if the membership is no longer being paid. I had tried to delete my account at one point as well with no success. Now, few years later, the balance on my savings ran out. Lo and behold they have found a way to access my bank account to retrieve the membership fee. I honestly loved the concept of this app until they started playing stupid games that ended up costing me all the money I was trying to save. Wish I could give them negative stars. TL:DR they refused to connect my bank account when I wanted to withdraw my savings but as soon as they want me to pay the membership fee (years later) they find a way to access my account to withdraw the money.

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.

Saved enough to remodel my room & lease a car. I found this app about a year and some months ago and tested it out. It made a difference for me in my saving and in my spending. I got my boyfriend to download the app and we have saved over $6,000 since downloading. He was able to lease a car and I was able to remodel my room. As young adults in our early 20’s making minimum wage, saving before this app felt impossible. There were no consequences for constantly going out, we just wouldn’t save. This has made saving practical and harder to frivolously spend our money. Update: After I remodeled my room I had surgery so I was unable to work. So I didn’t really use qapital at all for more than half a year. I was checking emails when I got something from them, they were now going to start charging me. I cross checked with my boyfriend and he wasn’t being charged. We figured it was due to the fact that I had the debit card. This doesn’t render the app useless but there were so many benefits to having the card. I’m really disappointed.

Qapital destroyed my bank account in 24 hours. I downloaded Qapital as an attempt to save money and it’s been causing the complete opposite for my finances. Qapital caused my check to bounce because they took out funds with no prior notification, or “pending” status, which would have allowed me to deposit money into my account to avoid the negative balance. I was expecting money to be transferred per purchase or transaction into Qapital, but instead it just took out a lump sum of money 5 days later. When I contacted my bank I was told that because Qapital gains your bank information by account and routing number they don’t need to provide verification and can remove however much they want without your approval. When attempting to return the money in my checking account, the Qapital app stated that it will take up to 4 DAYS for me to be able to reach these funds again, and it’s basically being held in limbo within their app. When reaching out to Qapital customer service you receive a message from an automatic chat system that doesn’t understand most commands or responses and you are told that you will be contacted by a real person within the next day. I’m currently waiting for these funds to clear in Qapital so I can delete my account. I am unable to remove my bank information until their system releases my money. I’ve had the worst experience through this app.

Amazing savings. By far easier to use and better for savings than other apps. The rules thing is cool where you set how to save, I did round up every $2, the 52 week rule, set and forget $10 a month, and spend less at a couple fast food restaurants and I’m projected $3000 in 6 months. I’ve done it before so it’s all very accurate. I like that you can add a partner to it now like a spouse etc so you both can save into something. And I’ve also done the investment portion where you can take that savings acct or a different one and tell the app how aggressive to be for investments it’s all super legit and I tell everyone about it I can. There’s a delay of money transfer on purpose because the app tries to make sure your bank has the money. And if you ever see your next “transfer” saying something like $200 don’t freak out lol that’s just the money it’s accumulated but the transfer portions are smaller based on what was calculated per transfer period which seems to be every few days or so. I only know this because it scared me once because I wasn’t expecting to budget that heavy one week but then it only took like $30 and the rest was the next week. It also adds up quick if you don’t have the money in your bank so the transfer money can get high. You can let it ride like I do or what I’ve also done is cancel a transfer or some of the transfer and continue later

For the reluctant saver. It’s easy, fast, and has enough safeguards to keep me from going over. I joined when it was free, but did end up converting to the top membership option, due to the proof of what I was able to save in the first two years. Now I use it for investments as well as savings. It’s nice to actually be able to keep finances separate from my regular account that I use often. For the savings account, I have easy access, in case I need to make a withdrawal and I have had to do so. You also have the option of a spend account with its own card. My favorite feature are the options for the WAY it triggers savings: connect it to specific uses, like every time you get coffee or fast food, or even each time you use the card. The latter is what I did, starting with just a dollar for every swipe and it added up fast! Now I’ve worked up to $5 per use, since I monitor much better than before and am no longer worried about overdrafts.

Poor service. UPDATE: my address listed is an apartment complex in a city and state I’ve never lived in. Unknown when that change was made. Had some money in my account. It wouldn’t let me access it. When I asked when I could use it they said it was a glitch and I didn’t have any money. They said the glitch causes their app to sometimes not display the correct information. I had money taken out of my funding account and the app said it would be available August 2nd. On August 5th I asked when it would be available. I was told my funding account didn’t have the funds (although it is NOT in that account anymore) so I could cancel the transaction. That money is nowhere to be found. Although it shows on my Qapital statement that it was transferred. When I asked about the money transfer the rep said “if I recall you canceled that…” I don’t want someone to recall, I want them to look into what is going on and address my concerns about where my money went. A glitch that shows you have money when you do not and is something I should expect to happen, especially without anyone at Qapital noticing and advising me, should not happen. How many times has my account “glitched”. It should not be this difficult to speak to someone, get answers, or bank.

Great for budgeting. I’ve been using Qapital savings for several years now. I like it because I can set and forget my savings. I also like that these savings aren’t as easily accessible as a savings account with my primary bank, so there’s less temptation to transfer little bits to my checking account. I use Qapital’s spending account to keep my weekly spending on budget. I have a physical debit card for the account, so it’s better than trying to set aside cash or just remember how much I should be spending on recreation and random online purchases. I auto deposit a certain amount each week, and when I’ve spent it, Qapital notifies me I’ve hit the weekly spending goal. If I’m planning on making a bigger purchase I spend less in the weeks beforehand, so the extra funds are waiting in the spending account. I’ve also used the investing options to set up small accounts, investing a little bit each week just to get myself started. So I recommend Qapital to everyone basically. The service fees are negligible compared to big box banking. I think the fees have increased a little over the years, for new users mostly. Since I’ve been using the app so long it doesn’t really affect me so I can’t speak on that.

I would recommend this app!. Best app to help me save. I am trying to save for many different events in my life and I was having a difficult time trying to separate my money. The bank told me I had to open up different account for different goals and didn’t want to do that. So I googled and this app came up. For each goal I have I was able to make up my own type of “rule” for saving that worked for me. For example, I am saving for school. So I linked my checking account to the app. Every time the app seeing that I received money it applies my rule to it and transfers my money out of my checking and into the app. That way when I look at my checking I can see how much money I have to play with. There are no fees. Best thing about the app. It just takes a few days for the money to be moved in or out of the app. Last thing. You can have many goals with many different rules, when money comes into your checking account the app applies the rules for all your goals and divides it for you. Set and forget!!!

Great for budgeting and for the self-employed. I’ve had Qapital for 3 months now and I can safely say that this is the most useful app I have for my life. This is the first review I’ve ever made for an app, because it’s that good. I am self employed and have always been bad at putting money away for taxes, and started off using this app for just that. Now I use it to put money aside and budget for everything. I’ve never been this good with managing my money before. Since I automatically put a percentage or a dollar amount away for different bills or goals, it’s been way easier to be on top of things. I’ve managed to pay off a credit card I’ve been trying to pay off for two years, have all my tax money prepared for the year, have a rainy day fund and vacation fund set up. In just 3 months I’ve saved over $3000 towards my goals, without even thinking about it, AND paid off all the bills I needed to pay each month. I haven’t used their investment features yet, but for what I’ve been using it for so far it has been amazing.

Comes in Handy!. My husband and have a joint goal which does the 52 week rule and round up to the nearest $1 rule. It has helped us save up about $2500 collectively so far and it’s been about 10 months or so. Luckily we joined when it was free so no membership costs else I don’t know if we would still keep it. I love that it pauses the deposit when my bank account is close to $100. I think the average person can take advantage of this because I still live paycheck to paycheck, but I factor this in with bills so I can have savings. I do get paid every week though so it is a little easier to budget. This really helped when we had a fire and had to find a new place to live, we were thankful we had the money saved in Qapital, and we were easily able to pay $500 deposit on a New with with no worries. Now we plan on using some of the savings for our anniversary cruise in June! It’s nice to have money already saved and available and not have to worry about where we gonna get it from. 4 stars only because it does take some time for money to be deposited, but not everything is perfect.

Great Way to Save Without Noticing!. Have you ever been to the grocery store ans they say, would you like to round up for charity X? And you probably say, “Sure.” because it’s 17 cents so who cares. I always thought that was such an easy, inexpensive request that was hard probably hard to refuse and that got me thinking, is there an app for that? Well yes, there are: you can donate to charity or to an investment portfolio but Qapital is the only one I was able to find where you could save the money for yourself. All about charity and definitely donate to your favorite causes but if you also want to build up a cushion for yourself, this is the way to do it. You can set up goals, save towards multiple things and set rules for how often or how much is transferred with each transaction. Round up to the next dollar or two. You will be shocked how quickly that money builds up without noticing - every month or two I’ll check the account and be shocked! This is money you would have just spent anyway and, at a couple of cents or $1.99 from each transaction going to this account with nothing required from you, you don’t even notice it’s gone. I highly recommended!

Best helper. I love Qapital it’s an amazing app that helps me save money. I’m learning how to use the application, lots of advantages come alone. You can set up a rounded amount to take out of how much you spend, you can set as many goals as you want. A great thing about the application is that when you account, or more specifically your bank account, is on a low balance, the app does not take out money from your account until you replenish or deposit more money and it will then take what ever you spent, which made your account low and then anything else. I also love that when I deposit a certain amount of money from a check I set up 11% of the money I transfer to be taken out to save. This number ranges to whatever you decide. It’s great! If you’re looking to take money out of Qapital you can then transfer the money from the app back into your account if you find you’re low on money or if you would like to withdraw the money and save it on the side in cash or if you decide to put the money into use, it’s free! Not a lot of free things are great but this one is, surprisingly so try it out if you get the chance to

Love the app but not for college kids. I love this app but something keeps getting on my nerves. I got the app because it looked great and easy and had great reviews and for the most part I agree. I have to say that when I can use it I have no issues and I love the customization, the issue is I can only sometimes use it. I’m in college so my debit card is usually working on around an $80 balance with some days right after a paycheck when I have over $100. The issue is Qapital has a mandatory, non-customizable overdraft protection. HUGE ISSUE. For college kids and some others who keep low balances on their debit cards Qapital wont let you save. My account is set up so I’m only saving in small amounts at a time (never more than $10 on a single transaction) so I don’t really need overdraft protection to kick in at $100. I love this app and I wish they would get rid of this feature or at least change it to automatically calculate the perfect protection for your savings type or let each person choose when they want it to kick in. I want to use the app more but right now I’m saving about once a month and it’s not doing much for me :(

I would really like to some day re-rate this app to 5 stars. I have been using this app for a little over a year now and I’ve had good experiences with it, I must say it has served its purpose. However at times very frustrating to someone like myself how is a little harder on control. First things first; the over draft amount... Qapital is set to $100 and if there isn’t- it will pause your transactions. As I agree it should have some kind of over draft restrictions to protect each user, I also think it should be up to each user what that amount might be!!! As I set the bank account up to work soli for Qapital & don’t want or need that extra $100 tied up for no good reason. Secondly; the transfer day. I have no issues on all the transactions happening on a particular day, I just don’t like that I don’t have the say as to what day that transfer actually takes place. Thirdly; wish there was an option for adding extra money whenever it’s available to ME to add to a savings goal. As you may have gathered- not the best at keeping money in my pocket. Just wish we had a little more say on what, where, and when MY money gets moved, taken, and how much is left behind.

It’s fun. This platform helps keep me on top of my savings. The rules are are straightforward however there is no way to set a date with the set and forget option. I’d like it to coordinate on my paydays but it comes several days after. No way to adjust as far as I can tell. There is a delay from when your rollover rule actually removes money from your bank account. This makes it hard to keep up with what’s coming out. I would like a freelance option of rules. Personally, whenever my work buys us lunch I rollover $5. It would be nice to create that rule myself. Maybe offering a weekly, monthly and annual spreadsheet I could see how much I’ve saved by my own rules. I also think as part of the application a beneficiary should be assigned before the account is open. I asked and received a lengthy explanation of how your heir would have to contact them and provide extensive proof they were indeed entitled to the money. A simple form at the front end could get your money into the hands of who you would intent it to go without hassle. I would hate to think this opportunity was overlooked on purpose. So far I like what I see, I’m still a bit skeptical to rollover much more than change and small amounts. But in two weeks I am $189 closer to Scotland!

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!!!

Excellent Savings App. Have been using Qapital for a very long time and happily saving for several trips and goals. It’s an incredibly simple and sleek app with visible, financial benefits. One improvement that I think would be easy to implement would be the ability to add a note to a transaction. One thing I use the app for is regular savings for things I’d like to be more responsible about spending on, such as clothing. That said, I have a recurring weekly deposit and when I do decide to spend money on clothing, I only withdrawal from this goal to fund my purchase. When I transfer money from this goal to my bank, I’d like to be able to make a note on the transaction; this way when I look at the Recent Activity for money movement, I can transparently see what I withdrew money for. Another thing I think would be neat would be within each goal, you could see how much money certain rules have saved you. I’ve always been curious how much money the “Round Up” rule has contributed to my savings!

Almost Perfect. This app automates saving to make it simple and painless. You have to put a little thought into your set up - once that is done, it works pretty much seamlessly. Using the app I've been able to save much, much more than with several other systems. The app is intuitive / UX is good. The linkages with other accounts break very rarely - much much less frequently than on any other savings/investment automation app I've used. (Which is most of them.) The only reason I'm holding back that fifth star is that (as previous reviewers have mentioned) customer service can be spotty. When you have people's money you have to provide customer service that works. Response times are several hours too slow for my taste, but I did get a same day fix for an issue that occurred on Christmas Eve, so not bad. Hopefully weekend support can be added in the near future - the addition of a spending debit card really requires this. All in all, a fantastic app. Improve your customer service and I'll add that fifth star in a heartbeat.

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!!

This app is great for people that aren’t so great at saving on their own. I have had Qapital for around two years now. I got in before they started charging for it, which I think is a total bummer and almost worth knocking a star. Almost. This app is a passive way of setting money aside where you don’t notice it leaving your bank account. Don’t use this app in place of things like your Roth or 401k, this has a different purpose. Setting roundup rules and “reward” rules will get you plenty set aside after a few weeks. That encourages you to set bigger rules, like automated garnishes from your biweekly/monthly paychecks. I set up a coffee shop rule and after 4 weeks of seeing how much I was spending on that, I quit coffee shops 100%. The amount of money I’ve saved using this would be worth the monthly fee they’re charging now. Luckily, I have not incurred those charges because I have had it for so long. I’m sure there are other apps doing the same thing. If there are any that have decent reviews and don’t charge a fee, maybe try that first.

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!

EASY PEASY LEMON SQUEEZE ! Cha Ching. As corny as that sounds, this app is absolutely fantastic. I always struggled to put money to the side because I didn't remember, I would push it off until my next paycheck or because I would spend it elsewhere. Qapital takes the hassle out of transferring money into a savings account and does it for you. It's absolutely rewarding when you see the savings just accumulate week after week. In a few months I was able to save over $1,000 which to me seemed impossible before Qapital. Trust me, this helps a lot. Need to save for a house, for vacation, for your family, for loans, or for those absolutely must have shoes?? This. Is. The. Way !!!! The rules are fantastic. I reward myself and save money by avoiding all the places I used to love going to, ahem, Starbucks! It's an incentive - what's more important, saving for that house or having that super delicious drink? I'll have to go with the house. TRUST ME. DOWNLOAD THE APP and see for yourself. Tell everyone you know as well !!!!

My 6 week experience with Qapital. I had been thinking about a way to be able to save money exactly this way I had really wished my bank did something like this but unfortunately they do not. So I came across Qapital and it sounded great. I was very skeptical bc this is my money we are talking about! I did a lot of research for a good year before I felt comfortable enough to finally download the app and give it a chance. I am really glad I did bc it’s been almost 6 weeks and I’ve already saved 363$! I started this savings for extra spending money for my upcoming anniversary trip to Las Vegas, at this rate by the time we go in a few weeks I should have at least 500$ extra to take with me! I am not good at saving at all so this has been awesome for me. I couldn’t of been able to save like this on my own so I’m very happy with the app so far! Only thing I would change but isn’t really a big deal is that they would take the money out at the time of transactions and not in batches a few times a week which like I said isn’t a big thing but I would change that if I could other than that I give it 5 stars so far! Hopefully that doesn’t change in the future but so far so good! 👍 Update: So I’ve been using Qapital for about 6 months now and I’m loving the app it has been a lifesaver for me!

Disappointed.. I’m very bummed. I’ve used this app for years and I realized I started getting charged for a membership. I reached out to customer support to understand what happened. In short, they told me they had sent out an email months ago that everyone was going to be upgraded automatically (to the highest cost membership) and I had two choices. I could just change my membership and lose the money I didn’t know I was paying for the past few months, or if I wanted a refund I would need to delete/close my account. I also went back to view the messages sent to me earlier in the day when I got home from work and they’re wiped. There’s no way to even view them. I was sad to leave the app I’ve been using for years and have recommended to many friends/family, but the messages made me feel like it didn’t matter. What made it worse was the reason I didn’t see the monthly charges in my bank account was because my bank started making you re-link your account periodically. Qapital just started taking the membership fee out of my goal’s savings so I didn’t see it in my usual bank statements. I appreciate how the app helped me over the years, but if I’m going to get an ultimatum from someone I turned to for help, I think it’s best to find something different. I guess don’t get too comfortable even if you’ve been using something like this for a long time.

App keeps disconnecting bank. UPDATE: I am still having the same issue. My bank is connected but none of the rules have been activated even though I have swiped the card it’s connected to. I keep getting the run around about my account. This is ridiculous the developer responses are generic and the email rarely resolves anything. Wellingston doesn’t do anything to help you. I’ve been using this app for over two years now but I’m starting to dislike it due to my bank constantly disconnecting and my rules haven’t activated. The issue is on qapitals end and even after reaching out to their customer service, the issue still wasn’t resolved. They keep saying it’s an issue with my bank connection but the issue is on their end. It shouldn’t be this difficult to fix an error. You should have IT people for your app for this very reason. My rules haven’t been activated for weeks because of this. I will be finding a new app to save since qapital doesn’t care about fixing issues for their customers. They have been sending me the same generic message saying that they are working on it but it has been an ongoing issue for months. I’m gonna find another app to use. My bank has new rules with allowing access to third parties and it’s very frustrating.

Out of Sight, Out Of Mind, In My Bank. Qapital is an easy way to save your money without you having todo anything. I’m pretty sure I’m like everyone else who does bank balance banking with their money, meaning whatever you see in your bank account is going to be spent on some thing(bills, student loans, overpriced coffee, you know who I’m talking about, etc.) instead of being saved. But I set my Qapital to take out small increments from each of my paychecks and I use their saving options/rule that I can set my savings account such as their 52 rule which through the course of a year, which is 52 weeks, the saving program will save the dollar amount of the numbered week that it’s saving in until it reaches week 52. At 52 weeks, you would have just over $1300, without you having to do anything but let the rule run. For someone like me who has a hard time saving money and struggles with the money I do get cough teacher salary cough. Qapital has really made it easy to save and I’m still able to manage the money I do have even with those small increments being withdrawn.

Great for learning to save money!. I’m a debit card baby so spending money has always been way too easy. If I have money in my bank account, I can spend it right? It was an awful habit! Money was just way too easy to move around on my banking app. So if I wanted to spend a little extra money this week, it was as simple as opening an app and transferring the money instantaneously from my savings to my checking account. Qapital helped me create new habits, and so easily. I just set my goals on Qapital, set my rules up and then every time I got paid money was going directly out of my bank account and towards my savings goals in Qapital based on the rules I had set. Because of this app, my now husband and I were able to save up enough money to buy a house and pay for a wedding at only 23 years old. The investing account makes investing easy and puts our money to work for us so it’s not just sitting there and losing out to inflation. I love Qapital and would highly recommend it to anyone looking to create healthy saving and spending habits.

Did you know that you can earn 25 USD from our site just by registering? Get $25 for free by joining Payoneer!

Imagine you at your best. All the time. Picture yourself at your sharpest and most productive. Your most alert and focused. Your most lucid, creative and confident. At work. At play. In every area of your life. Add Mind Lab Pro® v4.0 to your daily routine and uncap your true potential. Buy Now!

Adsterra is the most preferred ad network for those looking for an alternative to AdSense. Adsterra is the ideal choice for new sites with low daily traffic. In order to advertise on the site in Adsterra, like other ad networks, a certain traffic limit, domain age, etc. is required. There are no strict rules. Sign up!

You would be a fool not to try this app!!!!!. Ok I’m not good at saving but this app does it for you seriously!!!!! Try try try. It is not complicated. Try try this app. If you have never been good at saving then this app is seriously for you especially if your married like me!!! Men like to deny that there wife basically control the money in the family because let’s face it most women are way better with money than us men!! But this saves for me and it’s money she can not TOUCH!!! So now I can save for all my silly hobbies she gives me 💩 about!! So far loving this app and I would have no problem paying a fee in the future if they put one in place! Yeah I forgot about that Quapital is FREE yes FREE So you def need to try. I do however wish they had a way to invest my savings in stocks and ETF-exchange traded funds?? If they had that feature then this app would be amazing and I would no longer need my other app for investing, I would be able to do it all in one. Maybe if they partnered with a brokerage firm like Vanguard?

This app is great and here's why!. I was on Instagram and I saw the ad for this service, and I decided to try it out and I loved it! You don't have to pay for anything, ive had this for about a year now and now I have their Visa Debit card. You link your bank account to Qapital and you can send find from bank-to-Qapital and vice versa, though it is a 3 day wait but there are no fees for moving your money. They have these awesome rules that you set up for yourself and it could be anything from a round up rule which is it'll round up whatever number you have set in the rule, it'll round to that ammont and save it every time you use your card. Or you could set up a certain percentage to be saved from every pay check and I've set 20%. It's also a great "rainy day fund" because I've had to get money together when I was low and use the money I had saved on Qapital.

Highly recommend if you need to stay on budget and save up money. I’ve been using this app for a couple of month and it’s been great. The rules to save up/transfer money into categories/invest are really easy to set in place and modified/delete. I’ve been using Qapital to budget, save up money for upcoming projects, and invest. To budget, I made up different savings categories (heat/gas, water, Internet bill, phone bill, pets food+parasites), at the beginning of each month (when I get paid) money automatically gets transferred into these categories. When a bill is due I transfer the money to the spending account and pay it. It’s great because a few of my bills are at the end of the month and before I used Qapital I often didn’t have any money left and had to use my credit card. I also use the sweet spending spot for groceries and eating out. To save, I just created a few categories and set up the round up rule; however, since certain projects are sooner than others I only have two categories going at a time. Once one goal is reached, I delete the rule and move on to the next goal. And to invest, I am just automatically putting 5% of my pay in there at the beginning of the month. When I’ll make more money, I’ll up the percentage. As far as I’ve seen, it’s been going up slow and steady (it also goes down a bit from time to time but that’s normal). I’d recommend to everyone!

Longtime user, still giving a 5 star rating. I’ve been using Qapital since they first launched the app. It started with me using it to save up for Christmas presents, to me setting larger spending goals. I’ve saved so much money from this app, and it’s definitely come in handy for multiple occasions over the years. When I first started with it, I really only utilized the ‘rules’ because I thought you HAD to have a rule set to each goal. Recently, I actually deleted the app as I’ve started the Dave Ramsey cash envelope budgeting method and figured that it doesn’t fit in with my budgeting techniques anymore. However, after using cash for about a month now, although very satisfying to have physical paper, it’s very nerve-racking to keep on you, knowing someone could possibly steal it. It’s also kind of hard to keep track of, and very time consuming, when you’re doing large envelope stuffings. That’s when I realized what Qapital really was—digital cash envelopes. It’s also WAY more satisfying to have numbers being shown you instead of just feeling a thick envelope. And now that they’ve launched their card, which you’re able to sync seamlessly with each goal, it makes the cash envelope method even easier. I’m so happy I have this app. Cash is nice, but it’s definitely becoming a thing of the past. I’ll be utilizing my Qapital account a good amount now from here on out.

Fantastic system for splitting up your pay check! Although.... Been using this app for a while now for general savings and is now my primary bank. It’s great that you can set it up to divide your paycheck by percentages, and allows you to save better and maintain good spending habits without doing much work. It would be very nice however to have a “replenish” option for each payment you make from your spending account. Allowing you to transfer the exact amount from one of your savings accounts. So if I spend money on lunch and I want to maintain the amount in my spending account I can take the funds I put in my “food & groceries” saving account by holding down on the expense and selecting the saving account to “replenish” from. It’s not too hard to add and would greatly benefit the app. Would also help to keep things more organised and fluid for the user. But overall fantastic concept their developing and I’m excited to keep using as the app grows. Thanks Qapital!

So far, so good.. I came to Qapital after using Digit for about two years. Ran into some issues with Digit staying connected to my bank. After about 4 months of no connection I decided to look elsewhere. Digit was aware and did seem to be working on the issue but I had to make the change as this type of passive savings have worked well for me. I am only a few weeks into Qapital but so far I am enjoying it. There are many customizable ways to save and I have found that a combination of rules have really turbocharged my savings in a few short weeks. I have not made any withdrawals yet. I can only assume that will go as smoothly as the deposits. They also offer some other features similar to a regular bank such as a debit card for easy access to your money but I have not done that since it is the easy access of my regular bank savings account that makes it so hard to save. Self-discipline is not in my nature. I have recommended Qapital to friends and family and most have had positive responses.

Easiest way to save without saving. I signed up for Qapital a little over 2 years ago. I was newly engaged and knew I would have to buy a wedding band in the near future. I set a fund titled “wedding ring” set some rules and forgot about it for about 4 months. Sure enough when it came time to put money down on the ring, I had saved up enough with capital to pay for the entire thing. Never even had to budget for it. Next I figured I might as well start an account for my honeymoon. Set up a new goal and set some rules and voila. I just booked my honeymoon last week with money stashed away in Qapital that was quietly diverted without me even thinking about it. This app is great. I have not used the investing part of it and won’t as I have a good method for that already, but if you need a little help with saving money for special occasions then this definitely the best way to do it.

EASY PEASY LEMON SQUEEZE ! Cha Ching. As corny as that sounds, this app is absolutely fantastic. I always struggled to put money to the side because I didn't remember, I would push it off until my next paycheck or because I would spend it elsewhere. Qapital takes the hassle out of transferring money into a savings account and does it for you. It's absolutely rewarding when you see the savings just accumulate week after week. In a few months I was able to save over $1,000 which to me seemed impossible before Qapital. Trust me, this helps a lot. Need to save for a house, for vacation, for your family, for loans, or for those absolutely must have shoes?? This. Is. The. Way !!!! The rules are fantastic. I reward myself and save money by avoiding all the places I used to love going to, ahem, Starbucks! It's an incentive - what's more important, saving for that house or having that super delicious drink? I'll have to go with the house. TRUST ME. DOWNLOAD THE APP and see for yourself. Tell everyone you know as well !!!!

Wish I could rate lower. I’ve been using Qapital for almost a year and a half now and honestly I’ve loved the app. Using the round up rules, I started really saving some serious money from my debit card purchases. Usually the round up rule would take out no more than $2 at a time, if the purchase allowed for it. But one day, recently, $11 was taken from the account without warning, and without any trace of where, when, and what it was taken for. I’ve been trying now for over 5 days, starting on March 24th to get a hold of someone from customer service, and let me tell you—you’re better off sitting in a ditch and crying for help than you are attempting to get in touch with someone from this app. They “claim” their customer service is prompt and is open from 9-5 on the weekdays, but I think that’s utter trash, because I’ve yet to hear back from someone. It really upsets me, because I love this app and love what it does. But when it starts to take money that I didn’t authorize, and then I can’t get in touch with anyone to figure out why it was taken, or let alone REMOVE MY ONLY ACCOUNT FROM THE APP WITHOUT THEIR AUTHORIZATION, yeah this app deserves less than this rating.

Too slow to transfer. Literally takes forever to transfer money into Qapital. I can’t wait that long because I have other expenses that I need to attend to and by the time it starts to transfer my account balance becomes too low for Qapital to withdraw. The point is to withdraw the money so I don’t spend it. I save for groceries with my partner on this app but since it took SO long to transfer by the time it was grocery time I had the money pending in Qapital still so I had to pay from my original bank account. It’s like double spending. This morning it took over $500 out of my bank account leaving me with an overdraft. This particular withdrawal was not too slow. In general the app just lags way too much that it stresses me out thinking about how long it’ll take to actually take the money out. It’s sad because I like the concept and I know it would help me save but I am most likely going to delete this app. The worst part is now I need those funds back asap and it charges for a faster deposit and doesn’t allow the full amount to be returned since it takes 2 days to clear the full amount on Qapital. Too much.

For the reluctant saver. It’s easy, fast, and has enough safeguards to keep me from going over. I joined when it was free, but did end up converting to the top membership option, due to the proof of what I was able to save in the first two years. Now I use it for investments as well as savings. It’s nice to actually be able to keep finances separate from my regular account that I use often. For the savings account, I have easy access, in case I need to make a withdrawal and I have had to do so. You also have the option of a spend account with its own card. My favorite feature are the options for the WAY it triggers savings: connect it to specific uses, like every time you get coffee or fast food, or even each time you use the card. The latter is what I did, starting with just a dollar for every swipe and it added up fast! Now I’ve worked up to $5 per use, since I monitor much better than before and am no longer worried about overdrafts.

Sudden charge, after months of not using. I haven’t used this app in months, I got it back when they first were created. It didn’t really help me save, which I was okay with, I figured it just wasn’t for me and honestly thought I deleted the account and was done with it, mind you when I used this app it was still completely free. This morning however, I check my bank statement and see I was charged a membership fee, when again I haven’t used it in months and haven’t even signed up for it. This was a surprise to me because I went back in my bank statement and hadn’t been charged before this month,so why suddenly am I being charged. Sure enough I redownload the app and my account is still there, even tho I had gotten the email it was deleted. My bank account was different though, so it was needing me to reconnect everything because again I haven’t used this apps in months, but somehow they had the information to take their fee from me this month out of all the months... I hope to get a refund because again I haven’t been using the app, it hasn’t been in my phone, so why was I charged suddenly. Also, I started using this app when it was free, so there is no way I signed up for any membership.

Five years with Qapital. I opened my Qapital account five years ago, and it’s been the greatest financial experience of my life. I originally used it as a companion for my account with “Big Bank” to help reach my savings goals. However, two years ago, I decided to transfer my finances to Qapital (nearly) entirely and close my account with Big Bank. I was tired of hidden dues and $35 overdraft fees on 68¢ charges. I opened a checking account with a local credit union so I would still have a funding account, but began using Qapital as my primary checking account. I cannot express how free I am now. For the first time in my life I feel like I have complete control over my money and how it moves. Qapital support is always lightning fast and generally incredible, though I’ve rarely needed assistance with my banking. I cannot rave enough about Qapital and what it has done for my financial quality of life. ♥️

A few changes needed. This app is awesome, however there should be more options to set up recurring transfers, it is currently only limited to weekly transfers in whole numbers. This is a burden when dividing your budgeted amount from monthly to an exact weekly amount. Also, there are many hyperlinks which bring you to a null page when, for example, choosing “ help with budgeting.” I would love to see an expansion of features when setting up transfers and a built in budget tool to provide a visual aid for monthly budgets. This has the potential to be an amazing all in one app which will do wonders for those whom are budget conscious. I highly recommend this application at this point for saving towards goals and the IFTTT extensions make the possibilities limitless. Qapital, work on these minor improvements and we will be rocking and rolling. PS... Themes would increase the enjoyability of the UI, IPad support would be an awesome treat and newer devices take advantage of there OLED display, a dark mode would do wonders for the visuals and battery life. Be safe and keep up the good work ! I’ll see you in my emails hopefully !

Great at first.... This tool was fantastic at the beginning in fact I turned all my friends into it and even spoke about it during a conference. After 8 months of using it and saving a LOT of money I noticed that the tool wasn’t working and hasn’t been for a couple months. Nobody notified me there was a problem and when I attempted to reach someone at Qapital I couldn’t find a phone number. Reluctantly I emailed them and a few days later I got an email back saying my bank account is no longer a partner and would I like the account cleared? I had a minor panic attack. With nobody to speak to and a very significant amount of money tied up in the Qapital account it’s insane business practice that I couldn’t reach anyone. After countless emails and trips to my bank the funds finally got transferred over but then Qapital wasn’t closing down my account and still receiving all of my personal banking transactions. Again countless emails to get it closed only to be told that they are a small team which is why they can’t make calls!?!? Use caution before using this app. Or maybe just use a savings account.

Not what it seems. I canceled a withdrawal bc I did not have the funds, confirmed that the withdraw was canceled, and it pulled money from my account anyways. This sent me into an overdraft even though the app claims they don’t take money from your acc if it will leave you with a balance of less than $100. I am not allowed to return this money to my account either for another four days which will result in multiple charges from my bank!!!! I am extremely frustrated. This was supposed to help me save money and it’s doing the exact opposite :/ Also, the fact that there is no active customer support and you only get to speak with a robot is absurd due to the fact that this is a BANKING app. People need to be able to resolve money emergencies quickly and this app does not provide that respect!! Having to wait at least a day for a response from customer support means I will incur at least one charge and the app will in turn have made me LOSE MONEY instead of save it :(((

Simplest way to save money!. Easy to connect to your banking institutions and love the ability to create different savings goals/catchers. We set up a vacation fund where it takes a certain percentage of our paydays - set to any you’d like. We set up for 2% a payday and in one week have over $100 saved. I want another tattoo - every purchase I make gets rounded up into that fund. It also will not take $ from your account if you have under $100 to prevent from overdraft on your accounts. Easy to get your $, either deposit back in your account or sign up for a debit card through the company. The only reason I don’t have one yet is I have my mail go to a PO Box and you need a piece of mail with your physical address. Otherwise they only need that and picture of your photo ID. Wish I would’ve had this a long time ago!!

Saved my money, and my life. In high school I got a job as a manager at a restaurant— I shopped often, and despite making over $30,000 a year and having minimal living expenses (a monthly car insurance bill), I saved nothing. When I quit the job, and subsequently crashed my car, I had not a penny to my name. I’m now 19 (very old, I know), and have managed to pay off my first year of college in its entirety without any federal aid or loans. I bought a used car, and don’t have any debt. I make less than $12,000 a year now, but have more money saved then I’ve ever had in my entire life. After downloading Qapital, over half of every paycheck I’ve taken home has ended up in my savings account. I can’t express how grateful I am to the creators of this app for making saving so seamless. I’ve watched my whole family struggle with debt, and take a lot of pride in the fact that I’ve gotten myself together financially (even if they don’t know it). I feel like I’ve gotten a head start in life, and I’m excited for all of the financial milestones yet to come. PS. I love the way that Qapital allows you to set goals, and track your progress on them. I do have a normal bank savings account, but the compartmentalism on Qapital is motivational. There’s a big difference between my vacation money and my moving out money— and they understand that. Definitely one of the reasons I’ve stuck with the app for so long!

Over $8 THOUSAND $$$ & now my Account is Disconnected!!!!. So I want to start by saying that INITIALLY this app was amazing. I have been a loyal client for well for several years & during so I fell In love with it. I have had connection issues several times but after contacting support it was only a matter of days before getting things back up & running. However, 2 months ago I receive notification I had a connection issue so of course I reached out to support. The information over the last 2 months has been; 1: they were not sure what the issue was…. 2: seemed to be a security certificate issue 3: not sure bc the assistant helping had not received any type of update 4: If I used a VPN I needed try to log in without it 5: issue had been escalated for resolution 6: nothing new so no update cld be provided 7: I would be contacted as soon as the issue was resolved Now when I log in to check the status I get the error message that my thread can no longer be loaded & my ticket is closed!!!! Right now I have SEVERAL THOUSAND $$$$ of MY MONEY in my account with Qapital yet I feel like I have been dismissed!!!! I have been patient bc I have always felt Qapital was an amazing app but as of now, not so much. If they had reached out to tell me that the issue could not be fixed I would have least felt that they were an Honest company but at this point ABSOLUTELY NOT!!!

ALMOST A 5!. I really do love this app and how it has helped me save! Because I am rounding up I hardly notice the money that is coming out of my account. The fact that there are no fees attached is truly amazing! And it has also saved me a couple of times, I like that you can transfer money from the qapital app back to your own account if you need the money you have saved. There is no block from your own money. My ONLY complaint and the reason I didn’t give it 5 stars is because there is no direct customer service number and you can only reach someone by email. So if you have a big emergency you can’t just pick up the phone. You send an email and maybe the next day get a reply. For such a huge thing you are trusting them with you’d think they could be reached by phone. Other than, absolutely no issues using the app and there is also an overdraft protection plan which is nice! I will definitely continue to use this app!

Great app!. I love this app. I didn’t realize how easy it is to have a few hundred dollars saved in a month by using the round up rule. I haven’t been putting any money in my savings because I feel like I haven’t had any extra lately. This makes that possible. The only reason I gave this 4 stars is because this app doesn’t make small transactions throughout the week; rather, it adds it all up and takes out a big chunk at the end of the week. I would much rather see 35 mini transactions throughout the week vs. 1 large one. Having it all taken out at the end of the week just feels like another bill. And it’s harder on my bank account. Since I have several savings goals set up, and they all have different rules, and it’s hard to see how much will be taken out when they’re all added up. Sometimes it’s $30, sometimes it’s $150. I don’t like being surprised when I see $150 suddenly taken out of my bank account. I cut it pretty close to overdraft some weeks, and I feel like small transactions would prevent this, as I’d see it coming from farther away.

Best app for saving. I’ve been using qapital for years and years now, and I have to say it’s one of the best ways to save money on the side. I’m pretty good at saving, but I’m also really good at spending a lot of money. So the round up rule (and really all of the rules for that matter) is brilliant for adding towards a goal that I subconsciously know I should be putting a little extra from my checks aside for, but never actually do. So it’s great for me to have because in a way it does all the saving for me. I think it’s really great too that they are consistent with not charging more for their basic services (i.e you’re not limited to the amount of rules you use per goal). I have only one goal, with nearly all the rules set up, and qapital makes it pretty easy to set up and fund everything. Like stocks, I don’t really wanna think too much on how much I should actually be saving. I really like how automatic it feels. Great for people who are like me imo

Big saver with Qapital!. I am the type that can slowly save when I remember to add money to my savings. However I never quite treat myself or buy myself things because I feel guilty. I would always put it back into my business or a home repair etc. With this app it literally takes small increments out and stashes it away without me even noticing at all. I can set it for any amount! I now have multiple goals for big and small things dedicated for things I enjoy like travel, a camper can etc. Repairs, classes and even taxes. It’s a virtual piggy bank that has made saving fun and super easy. I’m much better with out of sight out of mind! So far I’ve taken multiple trips, paid for a classes, and purchased treats for myself that I no longer feel guilty for people I “earned” it. I highly recommend it if you are having a hard time budgeting for multiple things, this does it for you and you earn interest. Win win

Please read WOW. I never left a review before but this is tooo good. I guess I downloaded this app a few months ago set it up and wasn’t feeling it and deleted it. Never thought about it again. Fast forward months later. I recently started budgeting using YNAB (10/10 recommend) and I noticed random charges from Qapital which I thought was fraud because I honestly forgot what it even was. I google and then I see it is an app I used to have. I logged in and the goal I guess I set up months ago was half way funded!!!! It was for a trip I gave up on because I wasn’t ready money wise. This is the greatest surprise. I have funded half a trip I didn’t even know about haha. I guess the best way to save on this app is to just start and forget about it. I know myself and if I kept the app and constantly looked at it I would have touched this money and never reached any goal. So cool and a pleasant experience

Great way to save. So I’ve been using this app for a couple years now and I’ve saved chump change over the course of it but now that I have settled and decided I will start saving larger amounts of money especially with my tax refund that came in just recently. I really do enjoy this because of the options it gives me to save whether it would be saving chump change or withdrawing a certain percentage out of my Direct deposit of my paycheck. And the fact that I can set different goals or technically savings accounts that are labeled an apartment or a vacation or etc. if I were to name any problem it would be the amount of time it takes to withdraw money from my account into qapital because it does seem to take A few days and sometimes I might spend in between thinking that it was already withdrawn from my account but it hasn’t . That would be the only improvement i can think of.

Great app!. This app is really convenient for savings. My wife does some contract work so we save for her taxes here. We also save for vacations, car repairs, and even Christmas all year round! It’s nice because it takes the money out and puts it here, and it’s ready to be put back into my bank account whenever I’m ready to use it! One feature that I’ve been really hoping to get is pausing for specific goals. You can pause all of your goals/rules at once, it for example: my wife and I are going on vacation. I don’t want money to pull out for our travel fund seeing as we’ll be wanting to spend that money while we’re actually traveling. Unfortunately, I had to pause everything just to pause that one thing. My bank account also periodically disconnects. Not a ton, but consistent enough to be annoying. This may be my bank doing this, but I don’t know. Either way a great app. This along with a solid budget will have you getting your finances in order in no time!

Great Way to Save Money (Low Key). Qapital offers an excellent way to save money in essentially micro-increments without realizing your "losing" the money from your account. In other words, it allows me to save money that accumulates over time that I would otherwise not designate to my personal savings account initially. By moving $5 weekly from my personal checking account to my Qapital account, along with other rules I have set, I'm able to build a couple hundred dollars that I can designate to something specific (plane ticket, extra spending money for a fun event, etc.). I do not see any threat to my personal checking account with Qapital, and if ever too much money is transferred from my checking from Qapital, I can easily cancel the transfer or deposit the money right back into my checking account. This is such a great tool for young people who have a difficult time saving or would like to save without watching lump sums of money disappear from your checking account at once.

Amazing for budgeting!. I’m 35 and finally decided to be an adult with my money back in January. I’ve come a long way but still had issues with my food budget. Then I found Qapital! What an amazing app. Direct depositing plops $50 onto my debit card when I’m paid. Qapital sends me an alert every time I spend money and includes how much I have left in my budget. I’ve gone from spending $150+ a week to $25 because I can’t escape the problem. Setting up automatic savings goals makes things even easier. I’ve been using Stash for investing since Jan but am looking forward to my Qapital investment account to be approved because I’d like to stop over analyzing ETFs and stocks. Allowing multiple investment portfolios with different risks and targets is A+ too. Qapital can’t replace my main bank account (the 2% interest is hard to beat) but is the final tool I need for peace of mind and automate my money so it works for me. My bills auto deduct and now my savings and allowance is automatic!

works great until you need to change any of your info. I’ve been using this app for years and I’ve raved about it to everyone, but recently both my wife and i have needed to update our info (my wife needed to change her bank, i simply needed to update my email address) and Qapital wanted so much documentation from my wife to change her bank account info — more than it required to set up her bank account originally — that she just gave up and stopped using the app. I got off light, all they needed from me to update my email address was to spend two days emailing with their support staff and then send them two photos of my driver’s license and my face to prove that I am who I say I am. I guess my thumb print that I use to access the app isn’t verification enough? I understand trying to protect people’s money, but this level of security is overkill. It shouldn’t take two days and three levels of identify verification just to update my email address. The next time that I need to update any of my information I’ll probably just switch to a different app.

Surprisingly happy with Qapital‼️. When I first signed up I was very concerned (!!!) that instead of helping me save money I would end up literally losing money. I needed to raise/save $2500 to get completely out of debt. But I am NOT GOOD about saving money, even just $200 a month. So I hoped I could try this out without losing in the end‼️. Qapital is true to it’s word‼️. They remove money from my bank account basically without me knowing it (all you have to do is look at your bank account to see the withdrawals but I do not have to make the transfers myself). I have probably been with Qapital close to a year now and they helped me save almost $2000 which I used to pay off my debts. I even managed to pay off the entire $2500 so what is left over or to be saved later is bonus money to be spent however I want! If you are looking for a PAINLESS WAY to save money, Qapital might help you as well. Just saying😃....

Double Edged Sword. This app was great when I got it around 4 years ago, I still use it to this day. But with a lot of apps promising the idea of saving, this app has some counterintuitive methods. First, I think it’s really cool that the system recognizes when accounts are under $100 as it saves the consumer from paying overdraft fees when they withdraw money to save through their app. However, whenever balances are greater than $100, this app takes full initiative to sometimes withdraw more than your balance. It’s important to mention that this app doesn’t do small payments, letting goals accumulate and withdrawing it big amounts leaving you in the dust with negative balances, not to mention overdraft fees that cut into your ‘savings’ and especially during the bad financial year everyone seems to be having. Sure you could get it back almost immediately (if it’s a weekday before 12noon) but by then the damage is already done. This has always been a problem for the app, I’m just speaking up about it now

App was great until.... UPDATE 8/10: App works great again. Syncing problems were resolved. I hope Qapital support will be proactive about keeping up with changes in banks’ login requirements to minimize disruptions in service in the future. (Original review) I *loved* using Qapital for the last 6 months but all of a sudden the app no longer connects to my bank. Contacted my bank (as Qapital instructs) and they said nothing has changed on their end and there’s no solution. Of course, as others have noted, Qapital support is very slow (sometimes nonexistent—no response to a query), so who knows when or if I’ll be able to use Qapital again. UPDATE: Opened up another checking account so I could use Qapital again. The app wouldn’t allow me to switch my funding account and required me to contact support to do so. After three days, support got back to me and, instead of switching the funding account as I requested, apologized for my inability to connect my old checking account and told me to write back if I wanted to switch funding accounts (??!!!). Really poor support.

Easy to save money without realizing it. This app does exactly what it describes and that’s a great thing. I set a percentage to be detected from every paycheck, and then set up a smaller account for travels. I haven’t really notices the money coming out of my account all that much, but have managed to save enough for a small vacation in about 2 months. I would recommend setting 15% for general savings and 3-5% for travels and fun. My only complaint about this app is the amount of time it takes to make the transfer. I would love to see this app remove the funds from my account within the same day of getting paid. But unfortunately it takes several days after getting paid for the money to come out. For most people this won’t matter that much, but I check my accounts on a daily basis because I’m crazy and I like seeing current numbers. No penalty for the app for this though.

Savings made fun and easy. I’ve been using Qapital for almost a full year and it’s great as a secondary savings account. Being able to set the rules I want to save with has had more success than other apps which move the money based upon how much you spend. The app is easy to use and actually functional as long as you’re diligent and are on with large amounts of money move at a given time. Earlier in the app’s lifetime, the money would move within a a day or two and now due to some kind of issue, it takes several days for the money to move from your main bank. This delay is annoying and will have you worried about having enough money but just anticipate and you should be fine. I would give this app 5 stars if not for this. As far as looks and usability, this app is solid. I would recommend this app as long as you decent money management to begin with

Great for saving but I have one suggestion. I’ve been using Qapital for over two years. I love the broad range of posible ways to save, either through round-up rule, spend-less - when you budget a certain amount for the month and if you spend less, the amount left is saved, guilty pleasure-where you save a little extra for spending on things you consider a guilty pleasure. The only change to the app I would recommend is the following: give users the ability to “mute” a rule for specific merchants. Or, more easily, on the round-up rule, if using for example the $2 round-up rule, and the purchase amount is $2, don’t round up to $4. Instead don’t round-up and the rule will be bypassed for that purchase. Some payments on bills or gas, I would like to keep from rounding-up, but I’m no able to do that at the moment. Currently I use the $1 round-up rule, but the $2 rule allows me to save more, but I don’t want to apply it to every purchase, unless whole amounts do not trigger the rule.

If you live paycheck to paycheck - get this app. NOW.. This app has changed my life. I’m 25, a full time student, and work part time. It’s not the easiest, especially with how expensive it is to be an independent adult these days. Right now, I have two savings accounts on Qapital. Each time I deposit into my Wells Fargo checking account, two deposits happen on my Qapital app. 20% automatically goes into a savings account that I won’t touch unless absolutely necessary, and 5% of deposits over $50 + rounding up change when I swipe my card goes into a spending account. I checked my spending account for Christmas gifts, and discovered I have way more than I thought!! I didn’t even realize I had saved a substantial amount because Qapital made it so easy, and I never missed the money in my regular checking account! I purchased all the gifts I needed to this year, and still have $100 left to keep in my spending account. Guess I’ll get myself a gift for the holidays 💁‍♀️ Thank you, Qapital!!!

Great way to save money!. I love this app I’ve been using it for years since before they started doing the memberships. Its a great way to organize my short term and long term goals and keep track of everything. If they could update a few things I’d love it even more! Suggestions: 1) A way to sort and organize the goals. It seems to be in the order the goals were created which is fine but I wish there was an alphabetical option or even organize by the goal amount. 2) If you could add a caption box for the goals. For example, if you want to put notes or details about a specific goal. 3) If its possible to fund through more than one account. I personally have multiple banks I go through and I’d just personally like the option to have this. Other than these things the app is great. I may have had some bugs throughout the years but the customer service is really nice and accommodating.

Disappointed, no way I would deal with them.. I heard a lot of buzz about Qapital. Reading the App Store reviews a few said they were BAD on customer support. But I downloaded the app anyway onto my 2018 iPad, which is up to date with the most current version of IOS for iPad 12.1.1 (For IPhone ONLY the most current version is 12.1.2). There app was grayed out, The ONLY app out of 250 apps on my IPad that was grayed out. meaning it did not have an ICON design! At that point, I went to there website to contact them to make them aware cause frankly that is kinda embarrassing for them. There is no way to contact them on their website even after you click help and search “contact” or search “email” within help?! That is simply Cray Cray. After I saw that I deleted the app. I have Varo and many other app only online banking apps and they all work fine on my a iPad & most have some kind of customer service. I don’t do business with companies without GREAT customer service. Especially in this day an age with AI chat bots and Zendesk. there is simply no excuse to not let your customers contact you, plus it cost pennies to do. 🙄

Launched My Financial Journey. This app turned me around. I wasn’t able to create a savings account with my own bank because I had a teen account, so I downloaded Qapital. I could have continued saving in my checking account but I was always unsuccessful. This app has you define your goals and reinforces when you meet benchmark percentages on them. You also have the option of reinforcing other healthy behaviors like exercise or punish yourself for spending money places you don’t want to via saving. I was never good at saving money but this app taught me how. I’m 20 y/o and 1 year from downloading the app I now own a Ducati something I definitely couldn’t have done without the discipline Qapital taught me. It’s also just a cute looking app. I owe you my Ducati, Qapital my love. I’m now beginning my journey with credit. I was late to the game, but Qapital gave me those foundational skills anyone on top of their finances needs to have.

Love this app. There is nothing about this app that I don't like! It makes saving easy and entertaining. AND there are no fees, which you don't see often! You get to create the rules by which you save money. I started with a small goal and only rounded each purchase up to the nearest even dollar. Then when I realized I didn't even notice that, I added a $3/day rule. After I fully understood the app and how to create rules, I set up "goals" for my annual and semi-annual bills like insurance and car registration. I use a freelancer rule take out the calculated portion of each paycheck so I don't have to stress over keeping enough in my regular account for those payments. Most recently I got a Qapital debit card for a family member to pay certain bills. I LOVE that I don't have to worry more money is being spent impulsively (because I'm not giving a credit card or debit to my checking) This app is fantastic!

I saved a total of $1,591 within 6 months of using the app!. this app is really good for people who don’t have the time to set a budget every month of so. It allows for the user to create different saving goals to complete over however long they want. There’s sooo many different rules you can set up that help you reach your goals. Some are like adding spare change and others will shave off 10% of your paycheck to that goal or whatever percentage works for you. The rules can be customized to fit your lifestyle. They never overdraft if your checking account is under balance. I give it 4/5 stars because when transferring the money into your checking it takes a couple days. And they this new feature called “instant transfer” but it still takes all day for the money to be transferred and there’s a transfer free. But other than the transfer inconvenience, it’s a very good app! I recommend it to anyone who wants to save money

Please read very important info!!. I had an account with this company ever since they started. They even gave me a free for life status because of my support. I also donated monthly to the company. Suddenly after 3 yrs with them & no issues I wasn’t able to transfer money back to my bank account. It took customer service two day to get back to me only to say that it was suspected activity on my account & that they were closing my account & returning all funds. That was the end of the conversation, no explanation. They completely deleted my account so at that point I wasn’t able to see what I had in my numerous accounts including two investment accounts( they don’t send bank statements). They sent some money to my account but they own me a lot more money. I had to open a case with the better business bureau. The crazy part they are still taking money out of my account!!! If u work hard for your money don’t let this happen to u. Put ur money in a bank where u can get statements, in person & phone customer service. What has happened to me is devastating esp during this time of a pandemic & I haven’t worked in months. I need every dime I’m put into my accounts. Don’t let this happen it u!!!!!!

Essential for freelancers wanting to get finances in order. As a freelancer whose income is inconsistent month to month, I have always had a tough time socking enough money away for taxes, savings, and retirement. I’ve tried other systems and apps, but each didn’t work for one reason or another. Qapital on the other hand has been a godsend. The flexibility of Qapital’s system has enabled me to fine-tune how my money is allocated as soon as it hits my bank account— with parts of all deposits getting earmarked for taxes, retirement, and savings. As a result I’ve been able to meet my estimated tax deadlines with ease and max out my IRA this year without any stress. I’ve even implemented some round-up rules to save some decent cash for travel (when that becomes a thing again!). All that being said, I do wish Qapital supported multiple source Bank accounts. Currently users can only have one account with which to employ their rules— which is inconvenient for people who spend from multiple sources. Hopefully multi-account support comes in the future.

I DON’T EVEN HAVE ACCESS TO MY MONEY NOW. To start with I loved this app until recently. The round-up rule worked perfectly for my life style. That was until I closed my old bank account and started a new through a different bank. Now the app will not allow me to change my funding account meaning I can no longer save any money. I tried calling my bank and everything was set up on their end. I tried all of the tips in the FAQ pages. I tried to cancel the original bank account on my Qapital app and it won’t allow me to because I haven’t switched the funding account. Which again I still am unable to do. There is no way for me to transfer my money from the app to my new bank account so all of my money in their that I have saved is inaccessible. I’ve been having this problem for almost a month and still have had absolutely no response from their team. The only thing they sent me was an email LINKING THE FAQ PAGE??? This is unacceptable. I feel like I’ve just been paying them money for almost a year for no reason ! This definitely seems like a scam do not trust your money with this app.

I would of rated it 5 stars last month.... My boyfriend and I have been using this since September to save for a trip to Universal Orlando in May. With this app, we were able to save enough to put a deposit down on a Loews Hotel on-site (we’re spoiling ourselves) and we also have our airfare paid for. We’ve saved quite a bit by using the Pay-Day rule..and when we needed to withdrawal money for the trip, it only took about a day or so to show up in our accounts. However, my gripe is that with the latest update, they took away the leaderboard showing who has saved what. We enjoyed that little bit of friendly competition when seeing who was saving more...in fact, it helped us to save even more money. But now it’s gone and it’s almost confusing trying to figure out how much each of us has saved. CAN YOU PLEASE BRING IT BACK? It was one of my favorite things about the app...and without it, it’s kind of boring, as if I was just using my own bank account to save.

Painless saving. So saving money is not my time to shine. Even though I have an account with ways to section off funds it's still way too easy to transfer right out of savings. This way, it's truly separate and out of sight. No, it's not for your "big savings" stores long term since it's not growing a whole lot- but it's great to get started or to save in chunks for bigger deposits into higher interest earning accounts. Sometimes I've wondered, "what if I try to get to this money one day, and it's all gone- the app was a scam?" If that happens... I'll be sure to update my review. Update, 3 years later: so far, not a scam. 👍🏻 One frustration is with how transfers are made. They happen like twice a week, and honestly, I’m not sure when...? But it’s confusing when a rule is set for 10% of my paycheck to be deposited in Qapital, I’m paid Thursdays, and the transfer still hasn’t happened by the following week. We can instant transfer from Qapital to the funding account instantly- but when it’s going to Qapital it takes daaaaaaays.

I would recommend this app!. Best app to help me save. I am trying to save for many different events in my life and I was having a difficult time trying to separate my money. The bank told me I had to open up different account for different goals and didn’t want to do that. So I googled and this app came up. For each goal I have I was able to make up my own type of “rule” for saving that worked for me. For example, I am saving for school. So I linked my checking account to the app. Every time the app seeing that I received money it applies my rule to it and transfers my money out of my checking and into the app. That way when I look at my checking I can see how much money I have to play with. There are no fees. Best thing about the app. It just takes a few days for the money to be moved in or out of the app. Last thing. You can have many goals with many different rules, when money comes into your checking account the app applies the rules for all your goals and divides it for you. Set and forget!!!

Have had over 2 years. I’ve had this app forever now, and I used to always have such a hard time saving. However this app is a very subconscious saving app and that is what I love about it. I have never once ran into a problem with it. I used the app for 3 months and then forgot about it then whenever I opened it. It had $300, which to me was mind blowing because that was a lot of money and I didn’t even do anything. I literally forgot about it. It’s like in the movies there is that angel on one shoulder and the devil on the other. With Qapital it helps a lot because whenever that devil wants to spend the angel helps by taking some away just to save. I also love how there is nooooo fees!!!!! That is such a problem with many saving apps now a days because they usually take a percentage which is a big pain. But I’ve never had a problem, the app isn’t sketchy or anything. It’s super fast, so now I am going to apply for their card because I mean well they are an amazing company.

Don’t bother unless you love overdraft fees.... I loved the idea of this app and I loved the ability to save without thinking but it ended up costing me a lot more than the promises it made. For some reason the “over draft” protection features on this app don’t work with every online bank. When I panicked after noticing a couple of over draft fees I was told by Qapital customer service that basically overdraft fees are a problem that are between me and my bank and while Qapital tries to prevent these from occurring it’s really up to me to monitor my balance each day. So much for mindless saving and transfers! Also they don’t just transfer immediately...saying you meet a certain criteria such as a move goal on your iPhone or each time you do something. The transfers to your savings account happen in batches and can take days at a time to clear. This means that even when I stopped my Qapital transfers and tried to delete the app I still had several small transfers in “cue” that cannot be deleted or stopped and which when run are trying to cause more over draft fees! Seriously. Terrible customer service and the biggest headache ever. Avoid this app! Good idea but terrible execution.

Used to be great, now too many problems.. I love the concept of Qapital. I used it for about 6 months a year ago and saved $2000. Occasionally my linked bank needed to be reconnected and I had no issues reconnecting it. But then, the app would not let me connect with US Bank, no matter what I did. I eventually had to delete the entire account. I can’t find anything similar to Qapital. I recently decided to download it again and make a new account. Now, when I try to link my bank it says it was successful, but I do not see the linked bank in my settings. It’s very frustrating. US Bank is definitely not compatible with this app. Please fix, I really want to continue using this app. Now you need to pay for different tiers of Qapital. It was all free previously. You shouldn’t have to pay for something when it doesn’t work correctly and it unlinks your bank randomly and frequently.