Qapital: The Money Saving App

Qapital: The Money Saving App

Save. Invest. Budget.

86K ratings
400 reviews
Free

Details

Released
March 14, 2015
Updated
October 28, 2026

Features

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About

Automate your savings, investments, and budgeting with intelligent rules based on your habits. Set unlimited goals, track progress, and spend smarter with a dedicated debit card. Team up with a partner on shared financial goals while maintaining individual account privacy.

✓Automated savings goals
✓Smart budgeting rules
✓Invest in ETFs
✓Weekly spending card
✓Partnered savings goals
✓Progress tracking
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What users say about Qapital

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What's New in Qapital

5.54.1

October 28, 2026

In this update, we’ve resolved a few rare crashes and made stability improvements across Account Settings, Rules, and Onboarding to keep your experience seamless and reliable.

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User reviews

Dissatisfied

I have been using this app for 5 years or so. This app used to be amazing. Now there are so many glitches that prevent withdrawals and deposits from taking place when they are supposed to. Customer support is of no assistance. I’ve been told “it takes 2-3 days to process.” im currently on day 7 with no resolve.
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JB

Great way to save money

Litty!!!!

This makes saving honestly the easiest thing you'll do all week. Customizable rules, overdraft protection to make sure your account never goes under $100. It's literally fun. Go download the app… like now. If you're this far into the review you're already making a mistake you could've saved like five dollars by now. Seriously.
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Great savings app

I would definitely recommend this app as you save money and don’t even feel it. The round up rule is great! The $52 week rule helps it add up fast also!

Best thing I bumped into

At first I wasn’t sure what this was since it just started. But I am extremely happy that I did. It’s so cool because it saves your own money in a separate account. You set up your own goals and how much it puts in your account. I usually round up to the next two dollars. Before you know it you have saved a good chunk of money. Plus it has a card you can use.
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Developer apps

User experience

🐞

Reported Bugs

3 issues

App crashes and freezes

Bug

Disconnection issues with bank accounts

Bug

Incorrect or delayed transaction tracking

Bug
✨

Requested Features

5 requests

Ability to exclude certain transactions from savings rules

Feature

More customization options for savings rules

Feature

Faster money transfers

Feature

Improved visibility into joint goal progress

Feature

Free tier or waived fees for long-term users

Feature

FAQ

How does Qapital help me save money?

Qapital helps you save by setting up automated rules that transfer money from your checking account to your Qapital savings. These rules can be triggered by events like getting paid, shopping, or even specific habits, making saving effortless.

Can I set multiple savings goals with Qapital?

Yes, you can set unlimited money saving goals with Qapital. You can personalize each goal, set up automatic transfers to them, and easily track your progress towards achieving them.

Does Qapital offer investment options?

Yes, Qapital allows you to invest in ETFs as part of your savings strategy. You can automatically set money aside for investment goals alongside your regular savings.

What is Qapital Dream Team™?

Qapital Dream Team™ allows you to team up with a partner to save towards shared financial goals. You can see each other's transactions related to the shared goal without compromising your individual account privacy.

Is Qapital a bank?

Qapital is a fintech company, not an FDIC-insured bank. Your checking account is provided by Lincoln Savings Bank, Member FDIC, and your Visa® debit card is issued by Lincoln Savings Bank, Member FDIC.

What are the fees associated with Qapital?

Qapital offers a 30-day free trial. After the trial ends and you connect a bank account, a monthly membership fee will be deducted. Current membership fees can be found on their pricing page.

How secure is my financial information with Qapital?

Qapital utilizes security measures provided by its partner institutions, Lincoln Savings Bank (Member FDIC) for banking services and Apex Clearing Corporation or Wedbush Securities Inc. for brokerage services. These institutions are SEC-registered and members of FINRA/SIPC.

What devices does Qapital support?

Qapital is available on iPhone and iPad, making it accessible for users on Apple's mobile and tablet platforms.