# indi – Smart Banking — For independent workers > Smart banking and tax savings for independent workers. (iPhone/iPad app by Tempus Technologies, Inc..) - Source: https://appshunter.io/ios/app/indi-smart-banking/id1474862260 (this page in markdown: same URL + `.md`) - Developer: [Tempus Technologies, Inc.](https://appshunter.io/developer/449952997) - Category: Finance - Price: Free - Rating: 4.55/5 from 1,310 App Store ratings · 52 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 60 MB - Languages: English - Released: 2019-08-11 - Data updated: 2026-06-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/indi-smart-banking/id1474862260/reviews.md ## What is indi? indi is smart banking for independent workers. Bank on the go, save for taxes, and track expenses—all in one app.¹ indi is an FDIC-insured account² with a debit card³ and mobile banking app built for independent workers. Use indi to bank smarter, save for taxes, and maximize expense deductions—all in one account, right in your pocket. No signup fee. No monthly service fee. No overdraft fees. No minimum balance requirement. ---------- TAXES, SIMPLIFIED Income taxes are not automatically withheld for most 1099 workers. indi is here to help you be better prepared come tax time. EVERYTHING IN ONE ACCOUNT. indi is a single account that lets you visualize your balance as two categories—Okay to Spend and Tax Savings.⁴ GET A PERSONALIZED TAX SAVINGS GOAL. Tell us about your income, and we’ll calculate an estimated amount you should save to cover your federal and state taxes.⁴ SAVE FOR TAXES, AUTOMATICALLY. Set up direct deposit to start funding your indi account. As you get paid, indi can designate a percent of each deposit to Tax Savings.⁴ ACCESS ALL YOUR MONEY, ANYTIME. The money reflected in Tax Savings is available anytime. If you dip in, indi will alert you and increase the percent that you designate moving forward. ---------- FEATURES INDI CARD Use your indi debit debit card for purchases—work or personal. Categorize deductible expenses as soon as you swipe. AUTOSAVE FOR TAXES Set up indi to designate a percent of each deposit to help you reach your Tax Savings Goal.⁴ RECEIPT CAPTURE Capture and upload receipts directly to indi. NO MONTHLY FEES Enjoy no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees. SMART TIPS Rely on indi for tax payment reminders, intelligent tips, and real-time notifications. ---------- BANK WITH CONFIDENCE FDIC-INSURED All indi accounts are FDIC-insured up to the maximum amount permitted by law. SUPPORTED BY PNC BANK Withdraw cash fee-free at over 18,000 ATMs in the PNC network. Deposit cash at retailers nationwide.⁵ ---------- 1. A supported mobile device is needed to use this mobile app. Standard message and data rates may apply. 2. indi is a prepaid account. Your funds will be held at PNC Bank, National Association and are eligible for FDIC insurance, subject to FDIC insurance coverage limits. 3. The indi prepaid debit card is issued by PNC Bank, National Association. 4. indi's Tax Savings Goal feature is not a substitute for individual tax planning or for legal, financial, or tax advice. This feature is intended only as a tool to provide a basic sense of your potential tax savings needs. Because indi will not know everything about your finances or your personal situation, your Tax Savings Goal may be more or less than your actual tax liability. The Tax Savings Goal does not account for local taxes. Using funds designated as Tax Savings for other spending may leave too little money to pay your taxes. 5. indi cardholders can withdraw cash at any ATM. Cash deposit locations are limited to PNC ATMS; and Visa® ReadyLink merchants (for Visa cardholders) or Mastercard® rePower merchants (for Mastercard cardholders); merchants may charge a fee for this service. Visa is a registered trademark of Visa International Service Association and used under license. Mastercard is a registered trademark of Mastercard International Incorporated. indi is a registered mark of numo llc, a subsidiary of The PNC Financial Services Group, Inc. PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc. ©2021 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC. ## Key features - FDIC-insured account - Debit card for purchases - Automated tax savings - Expense tracking and receipt capture - Personalized tax savings goals - Fee-free ATM withdrawals ## What do users think of indi? Overall sentiment: negative **Pros** - 💯 Great no fee business banking - 🚀 Works great with Zelle and Apple Pay - 👍 Excellent so far **Cons** - 🚫 Horrible business practices, account closures - 🤔 Communication issues, lack of support - 🐛 App login and functionality problems - 💰 Failure to deliver promised bonuses **Commonly reported bugs** - Login screen issues - Mobile deposit not working - Account locking and restricted access **Most requested features** - Improve account opening and sign-up process - Increase daily spending and transfer limits - Provide better transaction history and reporting ## Recent user reviews (10 of 52) All indexed reviews: https://appshunter.io/ios/app/indi-smart-banking/id1474862260/reviews.md ### 1/5 — Really ridiculous business practices *2023-06-22* They close my account because i didn't use it for 3 weeks. And upon trying to open it back up or make a new one, they denied me for no reason . Theyre horrible ### 1/5 — There are thieves *2023-04-12* Do not bank with them. They closed my account. They took my money and they won’t issue me a check with the balance that I have prior to closing my account. This is one of my worst experience with any bank. Please people do not bank with them. They won’t protect you. ### 1/5 — Horrible *2023-01-25, version 1.37.0* Would not recommend using this Use a real bank not pnc either ### 5/5 — Great *2023-01-06, version 1.37.0* Great no fee business banking for self employed gif workers ! Thank you Indi ### 4/5 — Ok *2022-09-08, version 1.33.0* Good ### 1/5 — App Kills Successful Banking Experience *2022-08-26, version 1.32.0* The app will not let you sign in after a certain point whether you have the correct username or the incorrect username whether you have the correct password of the incorrect password it still will not let you sign it in even if you change the password and they tell you that the password has been successfully changed they will not allow you to sign in with the change password that they just verified on their website Customer support has been dismal and very very poor the people who run the bank do not allow the people who deal with the customers to have enough authority to do the things that the customers need done in addition to that they have no technical support and their whole times are abominable I’ve waited more than four hours and still haven’t gotten my issue resolved in over three weeks ### 3/5 — Communication is KEY - contact support! *2022-08-10, version 1.31.0* Like many others, I learned of the bank through Steady and the opportunity to earn a $25 bonus. While it does state that it can take up to 90 days to receive the deposit, I decided to reach out a week or so after 30 days (after receiving the email that I met the requirement) to make sure they recognize that I am eligible and met the deposit requirement. Exactly 7 days after I contacted support through the Message Support in the app, my bonus was rewarded to me and deposited in my account! I can’t speak as to why they’ve established a 90-Day maximum wait for the reward, but my recommendation is to reach out to support and have them address it and maybe you will get your reward MUCH sooner like I did. Yay! 🎉 ### 1/5 — TRASH APP *2022-07-21, version 1.30.1* This bank is trash.. they are only here to stole your money.. I was trying to login with my login information, it’s saying username or password incorrect.. fix your bank ### 2/5 — Never receive the $25 *2022-07-07, version 1.30.1* On Steady y’all have listed a income booster for signing up and making a qualifying purchase and you’ll receive $25. It’s been nearly 3 months and I still haven’t received it. Misleading and so far seems like false information and broken promises. 😒 ### 5/5 — Jobble is real! *2022-06-30, version 1.30.1* You rocks! ## Frequently asked questions about indi ### Is indi safe to use for banking? Yes, indi accounts are FDIC-insured up to the maximum amount permitted by law and are supported by PNC Bank. This means your funds are protected by the Federal Deposit Insurance Corporation. ### What are the fees associated with indi? indi offers a banking experience with no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees. This makes it a cost-effective option for independent workers. ### How does indi help with tax savings? indi helps by allowing you to visualize your balance into 'Okay to Spend' and 'Tax Savings' categories. You can set up automatic transfers to designate a percentage of each deposit towards your tax savings goal. ### Can I access my tax savings money anytime? Yes, the money designated for Tax Savings is available to you anytime. indi will alert you if you dip into these funds and can adjust the percentage saved moving forward. ### What devices does indi support? indi is available on iPhone, iPad, and iPod. A supported mobile device is needed to use the mobile app. ### How often is indi updated? The latest version of indi is 2.0.2, and it was last updated on September 29, 2023. Updates typically include new features, bug fixes, and performance improvements. ### What are the main pros and cons of indi according to user reviews? Users praise indi for its great no-fee business banking and integration with services like Zelle and Apple Pay. However, some users have reported negative experiences with account closures, communication issues, and app login problems. ### Does indi have ads? The provided data does not indicate that indi contains advertisements. It is a free banking application focused on providing financial tools for independent workers. ## Version history (last 4 releases) ### 2.0.2 — 2023-09-29 indi is shutting down on September 27, 2023. Please see www.goindi.com for more information. ### 2.0.1 — 2023-07-26 Just a minor update. Happy banking! ### 2.0.0 — 2023-06-05 Welcome to indi 2.0! We've streamlined navigation to make it easier to access functionality within the mobile app. Check out the new "Manage" tab where you can move money and manage your card. ### 1.37.1 — 2023-02-06 Hey there! indi is currently only available through select partners. This update includes a change to how you can apply for an account. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-25.*