# Qapital: The Money Saving App — user reviews > 366 indexed App Store user reviews of Qapital by Qapital, LLC, rated 4.80/5 from 85,804 ratings. - Source: https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669/reviews - App overview in markdown: https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669.md - Rating breakdown: 5★ 76,179 · 4★ 6,165 · 3★ 1,109 · 2★ 440 · 1★ 1,911 ## What do users think of Qapital? Overall sentiment: positive **Pros** - 💰 Effective savings tool - 📈 Helps build good financial habits - 🤝 Useful for joint savings goals - 🤖 Automated savings rules - 💳 Convenient debit card - 🚀 Easy to use interface **Cons** - 🕰️ Slow money transfers - 🔒 Difficulty reconnecting bank accounts - 💰 Unexpected fees/charges - 🤝 Lack of visibility into joint goal contributions - 🤖 Inflexible savings rules **Commonly reported bugs** - App crashes and freezes - Disconnection issues with bank accounts - Incorrect or delayed transaction tracking **Most requested features** - Ability to exclude certain transactions from savings rules - More customization options for savings rules - Faster money transfers - Improved visibility into joint goal progress - Free tier or waived fees for long-term users ## Newest reviews (12 of 366) ### 3/5 — Love Qapital, Would Love More Innovative Features *2026-08-18, version 5.51* I really like Qapital, and I’ve been a member for many years. That’s actually why I wanted to write this review. There’s something about Qapital that I’ve always liked. It doesn’t feel like just another banking app. The whole idea behind it, making saving visual, giving your money different goals, and making the process feel simple, has always been really creative :-) I especially love the Funding section and Payday Divvy. Being able to put money into my Spending account and then divide it between different savings goals is one of my favorite parts of Qapital. I love how that works now, and honestly, I wouldn’t want you to change it What I really want is to see more of that creativity throughout the app. Over the years, I feel like a lot of the core experience has stayed pretty similar. I know you’ve continued updating the app, and I’ve noticed newer things like Ask Qapital and the personalized insights. I actually like seeing that because it shows me there are still new ideas being explored. I just wish there was more of it. More features. More sections to explore. More creative ways to save, organize money, track progress, interact with our goals, and understand our finances. Things that make longtime members open the app and think, “Oh wow, they added this?” I’m not saying Qapital needs to become complicated. Please keep the simplicity. That’s part of what makes it beautiful. And please keep the features that already work well. I just feel like there is so much potential here that hasn’t been explored yet. After being with Qapital for so many years, I don’t want to just watch the app stay comfortable with what it already is. I want to watch it grow. I want to see what the team can come up with next. Ask Qapital feels like a step in that direction, and I hope you keep going. You already built something that people like me have stayed with for years. That means something. There’s a really good foundation here. Don’t lose what makes Qapital Qapital. Just keep building on it. I really believe this app could become so much more while still keeping everything that makes it simple and special today. I hope the team sees that potential too ### 2/5 — Canceled account with no warning *2026-08-16, version 5.51* I enjoyed the app as kind of a set and forget about savings thing. It came in clutch a few times when I was in a pinch. The only problem I had before was how long it would take to get the money transferred back to my account. Sometimes it took 3-4 days. Recently I tried to login and it wouldn’t let me. Turns out because after a few years of using this. All of a sudden they needed my SSN updated.. there was no warning of cancelation if not completed. I just had a baby and life happened. I don’t check my emails every single day unless I’m expecting something. They canceled my account and I’m waiting on what ever funds were in there. ### 5/5 — Easiest way to save *2026-08-02, version 5.49.1* I’ve been using Qapital for over 7 years and it has helped me save for so many significant things like vacations, Christmas gifts, car repairs and so many others. It makes it so easy to save as much or as little as I want based on my income and budget! Love it!! ### 5/5 — Qapital putting saving at ease *2026-08-02, version 5.49.1* Love the many ways to save and how effortless it is to transfer money. Wouldn’t have it any other way! ### 5/5 — Savings without knowing *2026-07-30, version 5.49.1* Awesome app, made me accomplish lots of financial goals; I set the rules and continued for me. I recommend this app. ### 5/5 — Great and easy to use *2026-07-30, version 5.49.1* Can’t beat the easy to use platform. Been using Qapital for years with great results. ### 3/5 — Used to LOvE *2026-07-29, version 5.49.1* I have had this savings app for years and it has helped me save. But since taking away physical debit cards I can no longer say I love it. You can only use digital cards now and it always declines my purchases. I wish you would bring the physical cards back. ### 5/5 — love love love *2026-07-27, version 5.49* love this app ! have saved over 2,000 dollar since joining ### 5/5 — Litty!!!! *2026-07-26, version 5.48.3* 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. ### 3/5 — They fixed my issue *2026-07-25, version 5.49.1* They still need to make their customer service more easily reachable, but they did finally respond and fix my issue ### 5/5 — Been using this for years now *2026-07-23, version 5.49.1* I’ve told friends about this app for a long time now. Love that you can save money without even thinking about it and the monthly cost is minimal. It feels like you’re taxing your current self to give to your future self. ### 5/5 — The best *2026-07-20, version 5.48.2* I have been able to save faster than my previous savings tool! ## Most critical reviews (10 lowest-rated) ### 1/5 — Deleted my account without notice and kept my money *2026-08-12, version 5.50* This has been an incredibly frustrating and unacceptable experience. Qapital deleted my account without giving me proper notice, while I still had money saved in my Goals. Even worse, when I contacted customer service, I received inconsistent explanations about why and when my account was deleted. The story seemed to change depending on who I spoke with. When a company is handling someone’s money, transparency and consistency should be the bare minimum. Instead, I was left trying to get basic answers about what happened to my account and my savings. I am extremely disappointed with how this was handled and with the lack of clear communication from customer service. This experience has completely destroyed my trust in Qapital. ### 1/5 — DO NOT GET APP *2026-08-04, version 5.50* Everyone who is assigned to help you is an AI bot, they do not resolve the issue. This app will run you in circles with problems and no results. ### 1/5 — Perfect Concept, Horrible Service *2026-08-01, version 5.50* Every time I’ve had an issue, their customer service has been not only unhelpful, but also slow. I waited 15 minutes for a rep, then took another 30+ minutes. Have been left for over 20 minutes without reply. They’re unhelpful, poor communicators, absolutely refuse to give refunds. I experienced this poor service about 5 years ago, then wanted to revisit the app/thought it may have improved. Since they continue to make it absurdly difficult to get any legitimate support, I will not be dealing with them again. Look for another similar app, unless you never plan on closing your account, modifying your subscription, having any technical difficulties, or caring where your money is. ### 1/5 — beware of linking your routing. *2026-07-21, version 5.49.1* i’ve been a capital for at least five years and recently had the worst experience. I recently turned off all automatic deposits because I’d reached my savings goal and cashed out earlier this year. Despite the deposits being off (not just paused which I’m aware only lasts a week) I was charged $35 several times for having insufficient funds in my linked bank account, which has never happened before nor does it make sense to charge me for not adding money to my own savings account. they also made no attempt to reimburse me or make things right. ### 1/5 — Unable to access account *2026-07-20, version 5.49* I was a huge fan. Now…the new update or regulations they are following made me lose access to my account. I’ve submitted multiple tickets via their website. This has lead to the case information being deleted and starting all over. I’ve don’t that three times. I have a couple hundred dollars I can’t even access. Wild! If I ever get access, I’m done! I’m pretty sure this will get a reply directing me to email their team - which I’ve done. Thankfully I was able to put a block on future transfers via my bank. Do yourself a favor…go with ACORN. ### 1/5 — ABSOLUTE GARBAGE *2026-07-17, version 5.49* DO NOT USE THIS COMPANY!!! You’ll thank me later. ### 1/5 — Skip it *2026-07-13, version 5.48.3* This app is cool to use but if you ever attempt to close account or cancel membership the app makes it so hard to stop. Even when you follow the directions listed it doesn’t go thru with the account deletion. You have to email support but that takes forever and a day to the point that you get charged several times before it actually deletes your account. It’s very frustrating that an account focused on financial health can make it incredibly difficult to cancel when you choose to no one utilize it. Very dissatisfied ### 1/5 — Service *2026-07-12, version 5.48.3* Absolutely HORRENDOUS service. If you want to throw your money in an account and have them lock you out of it randomly and then not want to give you access back to it for weeks at a time then this is the app for you! I’ve been kicked out of my account due to their own doing now I have a hefty sum of money sitting somewhere I have no access to. All support says is we are working on it. Days on end. Absolutely terrible platform. If I could give 0 stars I would. ### 1/5 — Social security needed? *2026-07-05, version 5.48.2* I updated my app and they are now requesting your home address and SSN. Why is this needed. Unable to access account until I enter that info. Continuing to withdraw from my bank account ### 1/5 — I’m furious *2026-06-28, version 5.48.2* This app that I’ve used for a few years is majorly broken and they are not offering any explanations on their website. I CANNOT ACCESS MY MONEY. I will be calling a lawyer forth thing Monday. Do not download this. ## Most praised reviews (10 highest-rated) ### 5/5 — A good savings App *2026-08-28, version 5.51* I like Qapital because I’m able to set aside funds for whatever I need. I’m able to set aside funds for multiple goals ### 5/5 — Great savings app *2026-08-23, version 5.51* 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! ### 5/5 — Best app *2026-08-23, version 5.51* Excellent app for save money ### 5/5 — JB *2026-08-23, version 5.51* Great way to save money ### 5/5 — Credit union *2026-08-23, version 5.51* I’m sooo sad to say that I’ve had Qapital for about 3 months and saved almost $300, but unexpectedly my bank and Qapital stopped syncing, so now i can no longer keep saving money which is very frustrating. Qapital has been great trying to help me but we have been unsuccessful. ### 5/5 — Fantastic app to help you save *2026-08-17, version 5.50* We love using this app to help us save for vacation, pet grooming, you name it. Anything that you want to put aside money and it doesn’t feel so painful when it’s just rounding up every time you buy something or putting a little bit each week. ### 5/5 — Can’t complain *2026-08-16, version 5.51* Great app! Love setting it and forgetting it then when I check it I have a nice little chunk of change for whatever I want ### 5/5 — Great! *2026-08-16, version 5.50* Wonderful app for saving! ### 5/5 — 👌 *2026-08-08, version 5.50* Cool app ### 5/5 — Easy to save! *2026-08-05, version 5.50* I’m retired and on a fixed income and it’s not always easy to set aside money for savings. I’ve been saving money through Qapital for approx 5 years and I’m amazed how easy it is! --- *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 2026-09-04.*