Percapita

Percapita

Banking & Financial Services

43 ratings
21 reviews
Free

Details

Released
May 30, 2023
Updated
October 13, 2026

Features

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About

Manage your finances with an all-in-one app for spending, saving, budgeting, and building financial wellness. Enjoy features like early wage access, automatic savings, credit building through rent payments, and cash back rewards. Securely manage your money with FDIC insurance and robust data encryption.

✓Smarter spending and saving tools
✓Automatic savings with Penny Jar
✓Build credit with rent payments
✓Earn cash back rewards
✓Early wage access
✓International money transfers
✓Needs-based and goal-based budgeting
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What's New in Percapita

2.13

October 13, 2026

Bug fixes and enhancements

User reviews

Do not recommend

I’ve had this card for a few weeks and have been using it regularly for about a week. I’ve had to call the fraud line literally 5 times in the last few days. My card gets declined almost every time I use it. Sometimes they’ll text me so I can verify easily but the majority of the time, they send me an email saying I have to call the fraud department to verify charges. A complete waste of time. And the “fraud department” is clearly some third party call center because half the people I’ve talked to can’t even pronounce the bank’s name right. I’m transferring my money out and closing this account.
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Love it

Easy to use, good customer service. Love the $25 monthly incentive.

Surprisingly Good!

Mission based company that’s not just trying to take your money. They have some actually cool features if you look through their menus.

Only provide withdrawal access through plaid which requires your login credentials

Not secure. Hold you money hostage if you don’t consent to use their 3rd party aggregator.

Ease of use and friendly service

Besides the financial tools that are so easy to use, I’m just so grateful for the seamless customer service! They politely answered all my questions before I opened my account. 10/10 recommend :)

FAQ

What does Percapita do?

Percapita is an all-in-one financial app designed to help users manage their spending, saving, budgeting, and overall financial wellness. It offers tools for smarter spending, automatic savings, building credit through rent payments, and earning cash back rewards.

What are the key features of Percapita?

Key features include automatic savings with the Penny Jar feature, building credit by reporting rent payments, earning cash back rewards on spending, early access to earned wages, and the ability to send money internationally. It also provides tools for creating personalized budgets.

Is Percapita free to use?

Yes, the app is free to start and stay free. There are no hidden fees, no minimum balance requirements, no monthly fees, and no overdraft penalties. The core services are provided at no cost to the user.

How is my money protected with Percapita?

Your money is safe and secure. Eligible funds are FDIC insured up to $250,000 through Sutton Bank, Member FDIC. The app also employs full data encryption and multi-factor authentication (2FA) to protect your account.

Can I get paid early with Percapita?

Yes, you can access up to $1,000 of your earned wages before payday. This feature does not require credit checks and is designed to be hassle-free, providing financial flexibility when you need it.