# Qoins: Pay Debt & Save Money > Automated debt payoff and savings tool to accelerate financial goals. (iPhone/iPad app by Qoins Technologies, Inc..) - Source: https://appshunter.io/ios/app/qoins-pay-debt-and-save-money/id1191247185 (this page in markdown: same URL + `.md`) - Developer: [Qoins Technologies, Inc.](https://appshunter.io/developer/1200063584) - Category: Finance - Price: Free - Rating: 4.48/5 from 2,153 App Store ratings · 50 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 82 MB - Languages: English - Released: 2017-01-12 - Data updated: 2026-06-10 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/qoins-pay-debt-and-save-money/id1191247185/reviews.md ## What is Qoins? Qoins is designed to help you pay off your debt and save money faster. Simply choose your financial goal, how you want to save, link your bank account, and we’ll take care of the rest! Become debt-free, without even thinking about it! Qoins is your personal debt manager that helps you save money, pay down debt faster, and build better financial habits. Join the thousands of people who have already paid down over $35 million worth of debt! Achieve financial freedom through Qoins automated tools that contribute towards your credit cards, auto loans, student loans, personal loans, and mortgage payments. Watch your debts disappear and your credit score increase with Qoins as you meet your financial goals 2 years faster! Download now to start your debt-free financial journey! WHY QOINS HELPS - Pay off your debt up to 10x faster! On average, Qoins customers contribute an additional $60-$100 per month towards their loans without even thinking about it. - Improved credit score: Positively impacting your credit score by making additional payments towards your loans. - Bank-level encryption: Qoins uses industry-standard encryption to keep your data safe. We do not sell your data nor store any of your sensitive banking information. - Automated Payments: Qoins takes the leg work out of making extra payments for you. If there’s ever an issue with your payment or lender, Qoins will ensure everything is refunded. -Automated Savings: Qoins helps you save and makes the process feel effortless through our automation process. WHY PEOPLE LOVE QOINS - ‘We have paid off multiple cards and are now paying down our car loan quicker than planned.’ - Janice T - ‘I’m always amazed by how much has been saved in just a short amount of time!’ - Kimtrovert - ‘Must have for students… As a person with student loan debt, this allows me a new way to pay down my debt faster.’ - Darum62 - ‘This app has done wonders to help me pay off my credit card debt.’ - bbrealz HOW QOINS WORKS 1. Choose your financial goal(s): Pay Off Debt and/or Savings goal. 2. Select how you want to save from our 4 Saving Method features: 1. a.)Round Ups, b.)Smart Savings, c.)Weekly Withdrawals, d.)When I Get Paid. 3. Connect your bank account. 4. Set up 5 payment destinations and/or set up a Savings goal. 5. Watch your debt disappear and your wealth accumulate as Qoins automatically makes an extra payment each month! QOINS PRICING Qoins Plus - $4.99/month - Both a Pay Off Debt & a Savings goal. Qoins Plus Annual - $49.99 per year (2 months savings!)- Both a Pay Off Debt & a Savings goal. Learn more: www.qoins.com/#pricing GET IN TOUCH Need help? Our customer support team has you covered. Customer Support Hours: Monday - Friday: 9AM - 5PM EST Help center and FAQs: https://help.qoins.io/hc/en-u ## Key features - Automated debt payments - Automated savings - Round-up savings - Smart savings - Weekly withdrawals - Payday savings - Credit score improvement ## What do users think of Qoins? Overall sentiment: negative **Pros** - 💰 Helps pay off debt faster - 🤑 Effortless savings - 🚀 Convenient automatic payments - 🔍 Useful financial insights **Cons** - 🐛 Connectivity issues - 🕰️ Delayed payments - 🤖 Lack of customer support - 💸 Unauthorized charges - 🔒 Difficulty accessing account **Commonly reported bugs** - Payments not reaching intended creditors - Accounts becoming inaccessible during migrations - Recurring charges not stopping after cancellation **Most requested features** - Ability to choose payment date - Integration with more bank accounts - Option to save to bank account instead of debt - Improved communication during migrations ## Recent user reviews (10 of 50) All indexed reviews: https://appshunter.io/ios/app/qoins-pay-debt-and-save-money/id1191247185/reviews.md ### 1/5 — SCAM *2023-02-17, version 4.2.7* This app used to be helpful but about a year ago, they stopped paying out to my credit cards. They blame the migration to a new bank, but you can’t reach anyone through email or phone, you can’t cancel your account until you withdraw all your money they’re holding. I’ve sent emails requesting this, I get automated answers back saying it’ll happen, but nothing. There’s a $4.99 fee taken each month out of my checking account that I can’t find a way to stop even though there’s a message that they can’t link to my bank. Otherwise I’d just walk away from this stupid app. ### 1/5 — DONT DO IT!!! *2023-02-15, version 4.2.7* This app was great until they switched banks. I guess I’m not exactly sure what is going on but from my understanding is they switched banks. They were still withdrawing a monthly fee from me for months. And not setting aside my goal amount each week. And now they are withholding my money and telling me they can’t do anything about it because it’s the new bank and you can write a complaint to the new bank or call them but you can’t get a hold of anybody and nobody responds to an email. It’s ridiculous how can they hold your money?! I’m not sure how that can happen. So the money that they were withdrawing every month for a monthly fee they told me they were going to reverse the fees and refund me, but I can’t get the refund the money and the money that they’re holding of mine they won’t give it to me or tell me how I can get it. FIND ANOTHER APP THAT KNOWS WHAT THEY ARE DOING!!! Because this is a nightmare! ### 1/5 — Has been migrating since June 2022 & no access to account *2023-02-09, version 4.2.7* I downloaded this app and was very happy with it. Until they sold out to another bank. They have been “migrating” my account since last June, during which time I’ve been charged a monthly fee but have been unable to access the account. They said it was due to the magnitude of the migration. I tried multiple times to log-in and delete my account and my access was repeatedly denied as the app said my account information could not be found/verified. I have reached out multiple times to customer service and was ignored. After a third attempt, I *think* my account has (finally) been deactivated but we’ll see if I get charged again this month. Terrible customer service; Am not at all happy with this company ever since their migration. Disappointing since they were so great in the beginning. Even attended some of their webinars. But the fact that my account information has been inaccessible for 8mos, with no response from anyone is unsettling. ### 1/5 — Used to be great but sadly not anymore *2023-02-04, version 4.2.7* I wish I could give 0 stars. Used to love this app! It was very useful. However, I have had my money stuck ever since they switched banks or whatever their big switch was. I also was somehow enrolled in their monthly subscription that I never signed up and am still being charged for monthly. I have emailed support several times and have only heard back once and they claimed they’d cancel the subscription. It took weeks to hear back from anyone and it still didn’t get cancelled. So not only is my money stuck, i’m also being charged a monthly fee by this app. Super frustrating!! ### 1/5 — Not transparent *2023-01-22, version 4.2.7* My bank account got disconnected and would not reconnect, they told me they were working on it…they told me this for two months. I could not remove my funds from the app in order to cancel the app. Finally my account got to zero and was able to close my account with the intention of re opening (which is what they told me me to do the last time this exact same thing happened). I have tried to reinstate my account and they have not responded. It was a good app, but if they don’t want me they should state why. I came in to a lot of money and was making a lot of payments so the balance in the account was higher than my norm, but it was not ridiculous. Even so, why should this be a problem for them? Do they only want to work with you if you are in a lower income bracket? What’s up Qoins? ### 1/5 — Frauds *2023-01-05, version 4.2.7* The update on all of this is essentially Qoins was engaging in a scheme where they used their customer's money to fund their business until they ran into the negatives being why they cannot tell us when our money will be returned back to us - BECAUSE IT IS GONE! Qoins is not even responding to the bank that ran the analysis on their account to discover what they were doing. Do not use their services - I don't even think they will allow you to subscribe. However, those who are subscribed and having issues cancelling, speak with your back about putting a stop payment on your account for Qoins. I may never get back the money I've lost through them, but they will not continue stealing from me and I will do my best to help anyone from making the mistake I did. ### 1/5 — Fraudulent Service *2023-01-05, version 4.2.7* Qoins is a fraudulent service. Last July, they sent a general email to their customers stating that they were changing bank partners and provided an opt-out solution for anyone who did not want to come along for the change. I have had numerous technical difficulties and poor response from Qoins customer service over the years so I decided to opt out. Eight months later, my funds have not yet been release, Qoins continues to charge me a monthly service fee for use a platform to which my access has been revoked, and there is no response from customer service. I will report Qoins to my bank and possibly to the FTC for their fraudulence. ### 2/5 — Works great until it doesn’t *2022-12-22, version 4.2.7* I was happy enough with the app enough that I paid for the 1 year membership. Since then it has disconnected from my account and after a month of waiting they finally responded with a generic email saying they were working on the problem, sorry for the inconvenience. Nearly two months later, I have sent numerous emails trying to get at least an update if not a refund, with no response. So i recommend tithe app but pay month to month. That way when it stops working, you are only out $5 ### 1/5 — Avoid at all costs *2022-12-16, version 4.2.7* This company has charged my account the subscription cost for MONTHS on end and there is literally no way to cancel and make it stop unless you work directly with your bank. When you try to sign in on the app to cancel you are unable too and they blame it on some “bank migration” issue, which leads you to a webpage with an article of them deflecting all responsibility. I am extremely lucky I did not have money in the app before this “migration” and it was only the cost of the subscription I have been being charged for. Those who did have money were locked out of there accounts with no way to get there money back. People have lost thousands of dollars. ### 1/5 — STAY AWAY! They stole me money! *2022-12-11, version 4.2.7* It’s been several months that I haven’t had my $1500 returned to me. They recently went through a bank migration and communicated that it will take up to 3 weeks to migrate my account so that I can access my funds. A month later and I was unable to access my account. I requested to deactivate my account and to have my funds sent to me via a refund check (as per their FAQ). It’s been 2-3 months since then. I got an email informing me that the bank they partnered with for the migration will not release my funds, and that they have a new banking migration partner who cannot help us. Basically, they’ve placed blame on the other banking partner and have not held themselves accountable. I’ve been following this for a while and I’ve seen that even for Qoins customers who got their refund checks - their checks were bounced. Qoins has stolen my money and many others. Stay away from this company! I only hope that there can be greater visibility about this situation so that there can be federal legal action. ## Frequently asked questions about Qoins ### What does Qoins do? Qoins is designed to help you pay off your debt and save money faster. It automates extra payments towards your loans and helps you build savings, making the process feel effortless. The app aims to help users become debt-free and improve their financial habits. ### How does Qoins help pay off debt? Qoins automates extra payments towards your credit cards, auto loans, student loans, personal loans, and mortgages. It offers various saving methods like round-ups, smart savings, weekly withdrawals, and payday savings to contribute extra funds towards your debt goals, potentially helping you pay it off up to 10x faster. ### What are the costs associated with Qoins? Qoins offers a subscription model. Qoins Plus costs $4.99 per month, and an annual subscription is available for $49.99 per year, which includes a discount equivalent to two months free. Both plans allow for both debt payoff and savings goals. ### Is Qoins compatible with my bank account? The app requires you to link your bank account to facilitate automated payments and savings. While specific compatibility details are not listed, it uses industry-standard encryption to keep your data safe and does not store sensitive banking information. ### What are the different ways to save with Qoins? Qoins offers four distinct saving methods to fund your debt payoff or savings goals. These include 'Round Ups' (rounding up purchases to the nearest dollar), 'Smart Savings' (automatically saving based on your spending habits), 'Weekly Withdrawals', and 'When I Get Paid' (saving a portion of your paycheck). ## Version history (last 1 release) ### 4.2.7 — 2022-09-27 Hey there! Here's what's new in this update: 1. Qoins Card- Get access to the Qoins Card. The only card on the planet that pays down debt with each swipe! The Qoins Card is linked to your app, making it easy to track your progress. 2. Move Money- Transfer money between your Qoins goal(s), linked checkings account, and your Qoins card. 3. Direct Deposits- Immediately have access to your funds on the app through the Qoins Card when a direct deposit hits your Qoins account. 4. Fee-Free ATMs- Access to thousands of free ATMs nationwide that can be viewed and located on the Qoins app. 5. Virtual Card- Add the Qoins Card virtually to your mobile wallet. 6. Linked Goals- Link your Qoins card to your Pay Off Debt or Savings goal to help you save for your goals faster. 7. Hide Balance- Hide your account balance from wandering eyes. 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