# Moola Wallet — Earn Stock While Spending

> AI-driven investment platform for stocks, ETFs, crypto, and retirement accounts. (iPhone/iPad app by Moola Copilot.)

- Source: https://appshunter.io/ios/app/moola-wallet/id6738142447 (this page in markdown: same URL + `.md`)
- Developer: [Moola Copilot](https://appshunter.io/developer/1779574261)
- Category: Finance, Business
- Price: Free
- Rating: 4.68/5 from 169 App Store ratings · 18 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 84 MB
- Languages: American English
- Released: 2025-03-03
- Data updated: 2026-10-23
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/moola-wallet/id6738142447/reviews.md

## What is Moola Wallet?

The hardest part isn't investing. It's starting. Moola fixes that: every swipe of your Moola Visa® Debit Card¹ earns stock², automatically. No new habits. Just spend like you already do.
Moola is the app for people who say "I'll start investing when…" — and "when" never comes. One app for your spending, your Pockets³, your investing, and your retirement.

EARN STOCK EVERY TIME YOU SWIPE²
Order your Moola Visa® Debit Card (the virtual card is instant) and every purchase — coffee, groceries, gas — earns stock that's invested for you. Use it anywhere Visa is accepted.

POCKETS: EVERY DOLLAR HAS A JOB³
Set money aside for rent, groceries, the vacation, or the new house before you spend it. Create unlimited named Pockets with goals and progress tracking. It's your grandmother's envelope system, on your phone. Spending becomes a decision, not a default.

SPARE CHANGE ROUNDUPS⁴
Coffee cost $6.95? The purchase rounds up to $7 and the change lands in the Pocket you choose. Base hits, every day.

SOPHIA: INVESTING ON AUTOPILOT⁵
Add funds to your investment account and SOPHIA invests it in a managed portfolio matched to your goals and risk tolerance. Check in monthly.

RETIREMENT MADE EASY⁵
Open a Traditional or Roth IRA in minutes, set a goal, automate contributions, and let SOPHIA handle the rest.⁴

PICK YOUR OWN STOCKS, IF YOU WANT⁵
Buy and sell stocks and ETFs starting at $5. The Moola Meter ranks stocks against your personal goals, age, and risk tolerance, so you invest smarter, not harder.

EARN INTEREST ON UNINVESTED CASH⁶
Uninvested cash in your investing account earns interest.

INVITE FRIENDS, EARN MORE⁷
Share your link. When a friend joins and swipes their Moola Card, you earn stock too.

MONEY 101
Money is a game everyone's forced to play, but not everyone's been taught the rules. Short video lessons teach you the rules.

WHAT IT COSTS⁸,⁹
$3.97/month. First 30 days free. No trading commissions. No hidden fees. Real humans on live chat.⁵

IS MY MONEY SAFE?
Moola is an SEC-registered investment adviser. Investment accounts are SIPC-protected. Deposits held on your Moola Card are FDIC-insured through our partner bank up to $250,000.¹⁰

WHO MOOLA IS FOR
Busy people who know they should be investing and setting money aside, but don't have time to figure out how. The average Moola member is 45 and has a family. If that's you, you're home.

Rated 4.7 stars on Apple App Store¹¹. Join thousands of families who finally started.

Download Moola, order your Moola Card, and own your future. One swipe at a time.

DISCLOSURES:
1,2,3,4,5,6,7,8,9,10,11 See https://moola-blog-v1.vercel.app/disclosures for full disclosures.
See https://moola-blog-v1.vercel.app/terms for all agreements, policies, and notices containing full terms and conditions.
Moola is a financial technology company, not a bank. Banking services provided by First Bank of the Lake, Member FDIC. The Moola Visa® Debit Card is issued by First Bank of the Lake, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Cardholder terms and limitations apply. Subject to approval. See the Moola Deposit Account Agreement for details. Visa is a trademark owned by Visa International Service Association and used under license. Deposits held at First Bank of the Lake are eligible for pass-through FDIC insurance up to $250,000 per depositor, per ownership category, if requirements for pass-through coverage are met. FDIC insurance applies only if the FDIC-insured bank fails.
Investment advisory services are provided by Moola Copilot LLC, an SEC-registered investment adviser (CRD # 334132 / SEC #: 801-131744). Brokerage and custody services are provided through Alpaca Securities LLC (“Alpaca”), an SEC-registered broker-dealer and member of FINRA/SIPC. Alpaca is not affiliated with Moola or with First Bank of the Lake. All investing involves risk, including the possible loss of principal. INVESTMENT PRODUCTS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK GUARANTEED.

## Key features

- Trade stocks, ETFs, and crypto
- AI-driven investment recommendations
- Invest with as little as $5
- No trading commissions
- Earn 3.75% interest on cash
- FDIC insured funds
- Traditional and Roth IRAs

## What do users think of Moola Wallet?

Reviews of Moola Wallet are mostly negative: the Finance app is rated 4.7/5 from 169 App Store ratings. What users like most: great for learning to invest, makes investing easy and interesting. Top complaints: app freezes frequently, inability to withdraw funds easily. Summarized from real user reviews.

**Pros**

- 💡 Great for learning to invest
- 💡 Makes investing easy and interesting
- 💡 Innovative approach to wealth building
- 💡 Helps understand wealth
- 💡 Good for beginners
- 💡 Useful for understanding crypto

**Cons**

- 🐛 App freezes frequently
- 🐛 Inability to withdraw funds easily
- 🐛 Poor app layout and navigation
- 🐛 Unresponsive customer service
- 🐛 Difficult account deletion process
- 🐛 Inaccurate profit display
- 🐛 Address field limitation
- 🐛 Sign-up process issues

**Commonly reported bugs**

- App freezes during sign-up
- App freezes preventing login
- Camera jumps back during ID photo upload
- Withdrawal shows $0 after selling shares
- Account deletion requests ignored
- App freezes and won't allow completion of sign-up

**Most requested features**

- Clearer trade execution instructions
- Easier withdrawal process
- Improved customer support responsiveness
- Ability to include apartment number in address
- Fix for profit calculation discrepancies

## Is Moola Wallet safe?

Moola Wallet appears safe based on user ratings. The AppsHunter Safety Score for Moola Wallet is 91 out of 100. This assessment is based on 169 user ratings, with an App Store average of 4.7 out of 5. Of 169 App Store ratings, 91.1% point to a safe experience, 3.0% suggest some concerns, and 5.9% point to a risky experience.

## Is Moola Wallet legit?

Moola Wallet appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Moola Wallet is 70 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/moola-wallet/id6738142447/reviews.md

### 5/5 — Finally an investment app I understand!

*2026-10-21*

Easy to navigate, excellent customer service and overall an awesome app! Looking forward to what more will come with this one. I love it

### 1/5 — Dishonesty, horrid service, poor app layout

*2026-03-02*

Don’t bother with this app. It had the worst experience with this app for its poor layout and the inability to withdrawl all funds as it prevents me from doing it till almost 4 months later.  I use Schwab account for years  and thought I could open another smaller trading account and it turns out a complete inferior layout as it doesn’t really show you how to make a trade clearly and to make a withdrawal. You had to keep navigating.  Forget it. It’s a nightmare app.

### 3/5 — Update of previous review

*2025-09-30*

I recently wrote a not so favorable review. It did not post and or shown up as of yet. I will say that after further conversations that they finally agreed to settle the matter as I had requested. Now, would I recommend this app? First, the fact we settled the matter as I requested, goes a long way in speaking of the principles of a company. Furthermore, I believe they are a new company trying their best but are still going through some growing pains.  If you can live with some growing pains that come with a new company and want to be part of a start up with potential, go for it. Best of luck to Moola and all its users!

### 1/5 — Money writhdraw

*2025-09-11*

They make it hard and complicated to writhdraw your money, I have sold my shares and order has been fulfilled, but when I try to writhdraw it just says $0

### 1/5 — Terrible Costumer Service

*2025-09-02*

I sent a request to cancel my account over a week ago. No response yet. Three follow ups and still nothing

### 1/5 — No Response to Account Deletion Requests

*2025-08-29*

I have emailed Moolaah multiple times requesting to delete my account and received no response. This is unacceptable for a financial app handling sensitive personal data. Users should be able to easily close their accounts and get confirmation. Until the company provides proper support, I cannot recommend this app.

### 1/5 — Good app, major caveats

*2025-08-11*

I really want to like this app, but here’s what’s really bothering me:

1. The total profit displayed in my account does not match the the profit of individual assets added together. In fact, it’s very different. I’m almost getting an impression that the Total Profit number is a few days behind or uses some kind of a flawed formula. 

2. I can’t include my apartment number in my address, the app just erases it. This is not good. I need to be able to indicate my full legal address. I’ve contacted support twice about this, nothing gets done about it.

3. The support is not adequate. Never a timely response, you can’t chat with a live person or call anyone. The support bot just basically says “My bad, I wasn’t able to help” and offers to check out “these topics”, and… doesn’t send any topics to check out. For an investment company, you need to do better than that!

**Developer response:** Hey Ivan! Thanks for the review. Few things...

1. Profit is actually correct, remember "profit" is only when you actually sell. You're comparing profit and your unrealized gains that is why you're seeing a difference. Profit is money you actually made and unrealized gains is well "unrealized" until you actually sell the stock.

2. Regarding your support issues we have since hired 2 more support agents are are offering amazing human support Monday - Friday and some weekends.

Hope you have a great day!

Jason

### 5/5 — Great way to not just begin to invest but become to understand wealth!

*2025-07-24*

At first I wasn’t sure about this app because I had used traditional methods of investing. This however has made me more comfortable about they way I invest my hard earned money and know that even if I don’t invest I am making money with my cash! Jason explains things so well on the videos. I highly recommend starting your way to wealth on Moola!

**Developer response:** Thank Tyler. You've been amazing to work with and it's been a pleasure watching you succeed in your financial freedom journey! Blessings to you and your family.

### 5/5 — I’m flying…

*2025-07-12*

If they can teach you to fly, investing in Moola should make you feel like the moon is next.  

Warren Hearne

### 1/5 — Haven’t tried yet

*2025-05-06*

It keeps jumping back to the camera when I take a picture of my id front and back it’s not moving on to the next step it keeps going to my camera

## Frequently asked questions about Moola Wallet

### What can I invest in with this app?

You can buy and sell stocks, ETFs, Bitcoin ETFs, and over 50 other crypto tokens. The app also supports Traditional and Roth IRAs for retirement investing.

### How does the AI feature work?

The app uses an AI-driven algorithm called the Moola Meter, which analyzes over 52 factors to provide 'Buy' and 'Sell' recommendations. This aims to help users make confident, data-driven investment decisions.

### What are the costs associated with using this app?

The app charges 0.05% of your account balance per month. There are no trading commissions or hidden fees. Additionally, you can earn 3.75% interest on your cash balances.

### Is my money safe on this platform?

Yes, your funds are FDIC insured up to $1,000,000. The app also offers free life insurance up to $1,000 through Moola Match for balances over $10,000.

### Can I start investing with a small amount of money?

Absolutely. You can begin your investing journey with as little as $5. There are no minimum balance requirements to buy and sell assets on the platform.

## Version history (last 5 releases)

### 2.0 — 2026-10-23

This is a whole new Moola.
- The Moola debit card: every swipe earns stock, invested for you automatically. Order your virtual card instantly; your physical card ships in days.
- Pockets: set money aside for rent, groceries, vacation, or the new house before you spend it. Unlimited Pockets, each with a goal.
- Spare Change Roundups: every purchase rounds up to the next dollar and the change lands in the Pocket you choose.
- Invite friends: share your link and earn stock when they swipe.
- A completely redesigned app. Faster, cleaner, dark-mode first.
Everything you already had is still here: SOPHIA, your IRA, self-directed investing, and the Moola Meter.
$3.97/month after your first 30 days free.
Something not working? Live chat with a real human is one tap away.

### 1.9 — 2026-04-11

minor bug fixes and updates

### 1.8 — 2026-03-02

SOPHIA improvements: More insight into what SOPHIA is investing in on your behalf and how she's doing vs the market

Moola Kids Accounts: Now offering custodial accounts!! For those 17 and under get the full Moola experience and start building wealth for a lifetime of benefit!

### 1.7 — 2026-01-22

- Fixed IRA Contribution Limit Graph
- Various Bug Fixes and AI Improvements

### 1.6 — 2025-12-30

New investing ideas section personalized to each Moola Member

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## Related topics

[moola](https://appshunter.io/ios/topics/moola) · [moola copilot](https://appshunter.io/ios/topics/moola-copilot)

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*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 2026-10-23.*