# Multipl: High Yield Account — ~7%* Returns · Brand Discounts > High-yield investment and discount platform using liquid mutual funds. (iPhone/iPad app by Multipl Wealth Management Private Limited.) - Source: https://appshunter.io/ios/app/multipl-high-yield-account/id1518208782 (this page in markdown: same URL + `.md`) - Developer: [Multipl Wealth Management Private Limited](https://appshunter.io/developer/1518208781) - Category: Finance, Lifestyle - Price: Free - Rating: 3.80/5 from 5 App Store ratings · 21 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 147 MB - Languages: American English - Released: 2020-12-14 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/multipl-high-yield-account/id1518208782/reviews.md ## What is Multipl? Earn up to 7%* on your spending money - daily. AMFI-regulated liquid mutual funds, not a savings account gimmick. 5 Lakh+ Indians already earn extra on their idle money while saving at Amazon, Zomato, Swiggy, MakeMyTrip & 100+ brands. WHY MULTIPL? • Up to 7%* annualised returns via AMFI-registered liquid funds • Instant withdraw - no lock-in, no penalties • 2–20% discount at 100+ top Indian brands • Earn + spend from one account HOW IT WORKS: 1.Add money to your Multipl account (2 minutes) 2. Money auto-invests directly in liquid mutual funds → earns up to 7%* 3. Shop at partner brands → get instant discounts 4. Withdraw instantly whenever you need it TRUSTED BY DESIGN: • AMFI Registered Fund · AMC-grade compliance • Team of CAs, IIM MBAs, and FinTech veterans • 4.5 / 5 on App Store · 10,000+ reviews *Returns are indicative. Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully. ARN No: 319633 Support: support@multipl.xyz Website: https://multipl.in/ Multipl is a AMFI registered Mutual Fund Distributor (ARN No. 319633).*Based on historical returns of Liquid Fund category. Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. ## Key features - Up to 7% annualized returns - Instant withdrawals, no lock-in - 2-20% discounts at 100+ brands - Earn and spend from one account - AMFI-registered liquid funds ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/multipl-high-yield-account/id1518208782/reviews.md ### 1/5 — Money debited but transaction failed - no support received *2026-06-30* Extremely poor service, I deposit 25,000 using UPI and the money was successful debited from my account however, the app shows the transaction failed. Under AMC. Processing. Has been one week now I haven’t received any contact from the support team. The support team has not respond to the complaint there is no phone number to contact them only email address and they don’t have a X account so that we can publicly ask them for this kind of experience. They only have an Instagram account that also not legit Looks like this is a fraud company somehow got the license. I’m gonna do a police complaint now. **Developer response:** Hey Leo, we are deeply concerned to hear about your experience with the failed transaction and the lack of response from our team. We completely understand how distressing it must be to have 25,000 debited with no resolution for over a week. We want to make this right for you. Please write to support@multipl.xyz with your transaction details and we will investigate this immediately. Most amounts settle quickly per the fund process, and if yours has crossed the expected window, our team will prioritize looking into it for you. ### 1/5 — Terrible app, stuck in a loop *2026-06-29* It feels like nobody has ever actually tested this app. My payment failed once and now I keep getting a cryptic “Parent goal already exists for this account” message when I try to change the amount I want to invest. You get a popup each time you try to back out of a screen. Parts of the app look like an entirely different app. They ask you what vouchers you want and then don’t actually seem to do anything with that information, and don’t let you access them either. Overall really terrible experience. **Developer response:** Hi Gyan, we take these issues seriously — a failed payment triggering a loop and inconsistent UI are being escalated to our tech team. Please write to support@multipl.xyz with your registered details and we will personally investigate and resolve this. ### 5/5 — A Better Alternative to Your Savings Account. *2026-04-09* A great app for efficient cash management and a smart alternative to a traditional savings account. One of its biggest advantages is liquidity—you can withdraw your money anytime, as liquid funds typically have no exit load. Additionally, it offers excellent discounts on platforms like Swiggy, Zomato, Blinkit, and other everyday expenses, making it both practical and rewarding for daily use. **Developer response:** Hey Softy, appreciate you taking the time to share such a thorough perspective! Liquid mutual funds offer a liquidity advantage, making them a smart alternative to savings accounts with the freedom to withdraw funds anytime. We are glad the experience has been both practical and rewarding for you. ### 5/5 — Great way to save while spending smartly *2026-04-01* I’ve been using Multipl for a while now, and it’s honestly a refreshing concept compared to regular finance apps. The idea of “spendvesting” — where your money grows while you plan your expenses — actually works really well. The app is very easy to use, and setting goals for things like travel, shopping, or gadgets makes saving feel purposeful. I like that the money is invested in liquid mutual funds, so it keeps earning returns while still being accessible when needed. **Developer response:** Hi Aditya, appreciate you taking the time to share such a detailed experience! It's great to hear that the spendvesting concept is resonating with you. Planning for goals like travel, shopping, or gadgets while your money earns returns in liquid mutual funds is exactly what smart spending should look like. You'll be glad to know that with no lock-in on funds and instant access to 90% of your balance in under a minute, your money stays both productive and accessible whenever you need it. Looking forward to helping you reach every goal you set! ### 1/5 — Granting full bank access should never be a mandatory condition for simply opening a spending A/c *2026-02-17* I am extremely disappointed with the Multipl iPhone app. The app does not allow users to create or activate a spending account unless they grant access to their existing bank account. This feels like a clear violation of user privacy and financial autonomy. Granting full bank access should never be a mandatory condition for simply opening a spending account within an app. Users must have the option to fund their account through alternative methods such as UPI, debit card transfer, net banking, or manual transfers—without being compelled to share sensitive banking data. Financial apps should prioritize transparency, data minimization, and informed consent. Forcing bank account access creates unnecessary risk and undermines trust. I strongly urge the developers to introduce flexible funding options that respect user privacy and give customers full control over their financial information. Until this policy is revised, I cannot recommend this app. **Developer response:** Hi AP, thank you for taking the time to share such thoughtful and detailed feedback — this genuinely helps us improve. We want to clarify something important: bank account details are not required to use the app or make payments — we support UPI and other methods for funding your account. Bank account information is collected specifically to enable withdrawals back to your account, which is a regulatory requirement for a SEBI-registered investment platform, not a data collection choice. We'd love to help you get set up in a way that feels comfortable. Please reach out to us at support@multipl.xyz and our team will walk you through the options available to you. ### 3/5 — Good purpose, Not very Clear *2025-08-14* Purpose of the app is good, but I felt it’s slightly misleading on the returns **Developer response:** Hey, we hear you. Thanks for the feedback and just to make it clear and transparent the returns multipl projects are ~8% for mutual fund and ~5-12% on brand discounts (based on the brand) and it will be shown as the aggregated returns %. Happy to get on a call if needed and feel free to write to us at support@multipl.xyz ### 5/5 — Game Changer *2025-01-09* I recently had the pleasure of using Multipl to plan my dream vacation, and I must say, their unique concept has completely transformed my financial goals. From start to finish, everything was personalized to perfection. What truly sets Multipl apart is the ease and convenience of the entire process. The platform’s user-friendly interface allowed me to seamlessly explore various features. A special thank you to Mr. Rishabh from the customer support team. His patience, expertise, and dedication made all the difference. He guided me with great care and answered all my queries. With its innovative approach and outstanding customer service, it’s definitely a platform I’ll be using again for my future travels. ### 5/5 — Best app to achieve your personal and business goals *2025-01-07* By investing the money through this, Multipl has assisted me in reaching my objectives and saving money. When it comes to avoiding situations where you have to pay EMIs, this app is beneficial. As an athlete, I wanted to take a strength and conditioning course but couldn't afford it. However, I started using it, which helped me invest and save money, and now I've finished my course. ### 5/5 — Enhances the whole investment experience game *2024-10-30* The goals segregation is the best part which helps keep a track of how much you are investing for what goal. The app has a great UI UX and sometimes I just play around the app because of the UX it provides. Makes investment experience very rewarding and keeps it precise. The support I received was very helpful. I raised a request and within a day they contacted me and provided all the details and help I needed via whatsapp and Mail. ### 5/5 — A user-friendly and rewarding investment platform *2024-08-28* It’s been a while that I’ve been investing through Multipl. I found the process remarkably smooth. I reached my first goal a couple of months ago - creating a fund for my daughter’s education. And I’m pretty satisfied with the returns, too. I found this a really novel concept in a world dominated by the BNPL culture. Their support system was very helpful in carrying out a request for reprocessing a failed SIP for another goal. I’m now eager to see how the redemption process works. Have requested redemption for my first goal and I’ll share my thoughts on the redemption process once it’s complete. ## Frequently asked questions about Multipl ### What is Multipl's annual return rate? Multipl offers up to 7% annualized returns on your spending money through AMFI-registered liquid mutual funds. These returns are indicative and subject to market risks. The app is free to use. ### Is Multipl safe to use? Multipl is an AMFI registered Mutual Fund Distributor and uses AMFI-regulated liquid mutual funds, which are subject to market risks. The app is designed with AMC-grade compliance and is trusted by over 5 Lakh Indians. It is rated 4.5/5 on the App Store based on over 10,000 reviews. ### Can I withdraw my money instantly from Multipl? Yes, Multipl offers instant withdrawals with no lock-in periods or penalties. You can access your funds whenever you need them. ### What kind of discounts can I get with Multipl? You can receive instant discounts ranging from 2% to 20% at over 100 top Indian brands, including Amazon, Zomato, and Swiggy. ### How does Multipl work? You add money to your Multipl account, which then auto-invests in liquid mutual funds to earn returns. You can then shop at partner brands using this account to get discounts and withdraw your funds instantly when needed. ### What devices does Multipl support? Multipl is available on iPhone, iPad, and iPod devices. It is rated for ages 4+. ### How often is Multipl updated? The latest version of Multipl is v1.16.214, and it was last updated on May 21, 2026. This indicates a consistent update schedule. ### Does Multipl have ads? No, Multipl does not contain advertisements. The app is free to download and use. ## Version history (last 5 releases) ### v1.16.232 — 2026-08-14 Every update helps your money work harder - so you can spend smarter. This update brings - Feature improvement - UI improvements ### v1.16.225 — 2026-07-22 Every update helps your money work harder - so you can spend smarter. This update brings - Feature improvement - UI improvements ### v.1.16.224 — 2026-07-13 Every update helps your money work harder - so you can spend smarter. This update brings - Feature improvement - UI improvements ### v1.16.224 — 2026-07-08 Every update helps your money work harder - so you can spend smarter. This update brings - Feature improvement - UI improvements ### v1.16.220 — 2026-06-26 Every update helps your money work harder - so you can spend smarter. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*