Qapital: The Money Saving App

4.3
21.7K reviews
1M+
Downloads
Editors' Choice
Content rating
Everyone
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About this app

Save money, invest, and budget automatically with Qapital – an app that makes financial decision-making easier on the brain.

Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with.

Try Qapital free for 30 days, then $6/month.

*****

Qapital helps you to put away a little bit every week. It’s the easiest way to save for things like: presents, birthdays, vacations, and emergency funds.

1. Set unlimited money saving goals
Set as many goals as you’d like, personalize them, move money to them automatically, and track your progress as you go.

2. Budget with smart rules
Qapital transfers money from your checking account to Qapital savings using the rules you set. We help you build rules around habits you already have. That way, you can save when you buy a treat, or go for a run.

3. Save money & invest in ETFs
Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you.

4. Spend smarter
Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget.

5. Invite a partner and team up on your goals
Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always.

*****

Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Visa® debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank.

Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC.

Qapital will deduct a monthly membership fee after any applicable free trial ends and you connect a bank account. Current membership fees can be found at https://www.qapital.com/pricing.

For full details, see Qapital’s Terms and Conditions (https://www.qapital.com/terms/) and Privacy Policy (https://www.qapital.com/terms/privacy-policy/).
Updated on
Oct 28, 2025
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Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.3
21.5K reviews
Brandie Kranz
November 7, 2025
Do not use this app. My account was closed without warning for supposed “suspicious activity,” even though none occurred. I was never contacted, and now I’m locked out completely. They claim to have returned my money, but I can’t even log in to verify it. Terrible communication and customer service. No real bank shuts accounts down like this based only on a suspicion.
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Qapital
November 7, 2025
#48116186: ★☆☆☆☆ Qapital: The Money Saving App (com.qapital, Google Play) Resolved We've completed your ticket Gemma Qapital Powered by (https://www.intercom.com/intercom-link?company=Qapital&solution=customer-support) Intercom
A Google user
September 14, 2018
Seems to work fine, i like that there are more rules than just rounding up like acorns has. I dont like how long it takes to pull the money from your account. All these 'change saving' apps say the same thing; it rounds up money so you don't even notice its gone. If you'd actually take it when I made the purchase then I wouldnt notice. When you wait a week and then take $12 out of my account all at once, thats pretty noticeable.
8 people found this review helpful
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Qapital
September 14, 2018
Hi Brooke. Thanks for reaching out and we are happy you're enjoying Qapital. If you would like assistance or would like to discuss transfers further, please send an email to support@qapital.com with the subject line “App-review” and we’ll take a look at what’s going on. Thanks!
My pet Grasshopper
June 24, 2020
When app works its awesome. I save without knowing I'm saving with this app and I never even miss the money!! Then when I need down payment or something I have it, just transfer to my bank. Only issue I have is that my bank disconnects to often. And in the past month hasn't been connected at all. Its a constant chore to try and keep it connected. The app cannot maneuver the banks security measures. I wouldn't call that "effortless"
7 people found this review helpful
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Qapital
June 24, 2020
Thanks for reaching out! I apologize for any issues on your account, but banks may undergo changes on their platform that causes a disruption in our connection, and to resolve this issue, banks may need to be reconnected. If you need further assistance, please e-mail support@qapital.com. Thanks!

What’s new

This update helps new users get started on the right foot and includes important fixes for everyone.

- Our new 30-Day Checklist helps new users get set up for success, one small step at a time.

- Funding Account Fixes: Squashed tricky bugs related to updating or changing your funding account.

- Direct Deposit Fixes: Fixed display bugs that appeared after setting up Direct Deposit.

- General Stability: Under-the-hood improvements for a faster, reliable app.