# Finnt - Student Banking App — Next-Gen banking for students > Student banking app with savings, cash back, AI banker, and shared expense management. (iPhone/iPad app by Finnt, Inc..) - Source: https://appshunter.io/ios/app/finnt-student-banking-app/id6444541148 (this page in markdown: same URL + `.md`) - Developer: [Finnt, Inc.](https://appshunter.io/developer/1655208454) - Category: Finance, Lifestyle - Price: Free - Rating: 4.73/5 from 15 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 111 MB - Languages: English - Released: 2023-07-28 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/finnt-student-banking-app/id6444541148/reviews.md ## What is Finnt? Introducing Finnt - your ultimate banking companion designed for students, their friends and family. Save at 5% APY, spend smarter with 3% cash back, earn daily rewards and help each other to manage expenses. Features: 5% APY Savings: Achieve your financial dreams with a 5% APY! Track your progress and celebrate milestones as you save collectively. Your financial growth is our priority. 3% Cash-Back: Spend smarter with 3% cash-back on purchases at selected merchants like Amazon, Starbucks, Uber and more. Make your money work for you. AI Banker: Meet Jai, your personal AI banker available 24/7. Jai knows everything about saving money and wealth management, providing you with financial and banking tips tailored to your needs. Circle: organize your expenses with roommates, family and friends. With Circle, say goodbye to awkward IOUs or misunderstandings. Smart Budgeting: Stay on top of your personal finances. Analyze your spending patterns, categorize expenses, and receive personalized insights to make informed financial decisions. Instant Transfers & Other Banking Services: Seamlessly transfer funds between your accounts or send money to your friends and family members with a few taps. Enjoy other banking services like debit cards and wire transfers. Secure & Private: Your security is our top priority. Rest assured knowing that your sensitive financial information is safeguarded using advanced encryption technology. Download Finnt Now: Embark on a shared financial journey with your loved ones. Together, you can achieve your financial goals and enjoy the benefits of a multi-user banking app tailored to your lifestyle. Based in Miami and Backed by Prestigious Investors: Finnt has raised $3.5M from renowned investors like Y Combinator, Khosla Ventures, Franklin Templeton and more. We're growing within US universities and campuses, and we're here to support your financial journey. Take charge of your financial future with Finnt. Join us now and experience the new era of collaborative banking. *Finnt is not a bank. Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Finnt. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks. All Finnt branded debit cards are issued by American State Bank, pursuant to a license from Mastercard®. See your applicable cardholder agreement for details. Mastercard® is a registered trademark of Mastercard International Incorporated. ## Key features - 5% APY savings account - 3% cash back on purchases - AI personal banker - Shared expense management (Circle) - Smart budgeting tools - Instant fund transfers - Secure encryption ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/finnt-student-banking-app/id6444541148/reviews.md ### 5/5 — Must need finance app for students *2023-08-04* As a university student, Finnt’s circle feature has been so useful with saving and spending together with friends and clubs. I highly recommend to any student!! ### 5/5 — Great app!! *2023-08-04* Just started using it a week ago and loving all the features. The UX is simple and we'll thought out. Recommending all my friends to downloading it. ### 5/5 — I love it! *2023-08-01* Using Finnt as a Stanford student has truly streamlined my financial life. The user experience is unmatched, and it turns group expenses into a hassle-free experience with its ‘Circles’ feature. The 4% APY also beats any of my other savings' accounts. What I truly love about Finnt is that they are never afraid to be innovative first and iterate later with the feedback of its users. With the recent integration of Jai, their financial chat-bot, I can only imagine the possibilities. Finnt is indeed the ultimate financial companion for any student. ### 5/5 — Innovative and convenient *2023-07-31* Just started using it and I love the interface, concept and how easy it is to use ! ### 5/5 — Best banking app! *2023-07-28* Finnt has so many financial benefits. It helps me budget and save better every day. The APY% really adds up too. ### 5/5 — Easy and convenient! *2023-07-28* Finnt has been an amazing tool to manage my finances with different groups while receiving a high interest rate for saving my money. I can do everything directly from my phone. Very well thought product. ## Frequently asked questions about Finnt ### What is Finnt? Finnt is a next-gen banking app designed for students, offering features like 5% APY savings, 3% cash back on purchases, and an AI banker named Jai. It also allows users to manage expenses with friends and family through its 'Circle' feature. ### How does Finnt's savings account work? Finnt offers a savings account with a 5% APY, allowing students to grow their money. Users can track their progress and celebrate financial milestones as they save collectively. ### Where can I get cash back with Finnt? You can get 3% cash back on purchases at selected merchants, including popular brands like Amazon, Starbucks, and Uber. This feature helps your money work harder for you. ### Is Finnt secure? Yes, Finnt prioritizes user security by employing advanced encryption technology to safeguard sensitive financial information. The app is built with security and privacy as top priorities. ### Can I manage expenses with friends using Finnt? Absolutely. The 'Circle' feature in Finnt allows you to organize expenses with roommates, family, and friends, eliminating awkward IOUs and misunderstandings. ### What devices does Finnt support? Finnt is available on iPhone and iPad devices. It is designed to be accessible on Apple's mobile and tablet platforms. ### How often is Finnt updated? The latest version of Finnt is 1.4, and it was last updated on October 3, 2023. Updates are released periodically to improve features and performance. ### Does Finnt have ads? The provided data does not indicate that Finnt has advertisements. It is listed as a free application. ## Version history (last 5 releases) ### 1.4 — 2023-10-03 Improved cash back feature. Live update of balance and transactions. Fixes a few display bugs. ### 1.31 — 2023-09-12 New: "the leaderboard" see who among your friends has earned the most rewards from Finnt. Also: add multiple transactions in Circle at once, improved notifications, and new interactions with Jai, the AI Banker. Fixing an issue with the "Send" experience. ### 1.2 — 2023-09-01 Annual Interest Rate is upgraded to 5%! Cash Back at selected merchants is 3% with the Finnt Card. Introducing an easier way to invite your friends and earn $10 reward each time they join. Also a revamped navigation and menu, making it easier to enjoy all the benefits offered by Finnt. ### 1.1 — 2023-08-15 This version introduces new saving and spending rewards so you should better update :-) Also, you can now react to transactions with emojis and remove members from any Circle you manage. ### 1.01 — 2023-08-04 Minor update that is fixing an issue related to the referral code and invited users. ## Apps similar to Finnt | App | Rating | Price | Category | | --- | --- | --- | --- | | [Qenta: Assets in Motion](https://appshunter.io/ios/app/qenta-assets-in-motion/id6443674755) | 5.0 (5) | Free | Finance | | [UNi.Global: Web3 APP & Card](https://appshunter.io/ios/app/uniglobal-web3-app-and-card/id1609195134) | 5.0 (1) | Free | Finance | | [Crypto Bang](https://appshunter.io/ios/app/crypto-bang/id1615366149) | 3.0 (4) | Free | Finance | | [SimplePerks](https://appshunter.io/ios/app/simpleperks/id1544377742) | 5.0 (3) | Free | Finance | | [Percapita](https://appshunter.io/ios/app/percapita/id1617975560) | 4.9 (36) | Free | Finance | | [alooola](https://appshunter.io/ios/app/alooola/id1582483447) | 4.9 (14) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*