# Spiral - Mobile Banking — Save, Spend, Give! > Ethical banking app that rewards users for social impact and offers fee-free services. (iPhone/iPad app by Spiral Financial Inc..) - Source: https://appshunter.io/ios/app/spiral-mobile-banking/id1526316317 (this page in markdown: same URL + `.md`) - Developer: [Spiral Financial Inc.](https://appshunter.io/developer/1526316319) - Category: Finance, Social Networking - Price: Free - Rating: 4.77/5 from 986 App Store ratings · 50 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 89 MB - Languages: English, French, Spanish - Released: 2021-05-29 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/spiral-mobile-banking/id1526316317/reviews.md ## What is Spiral? BECOME AN EVERYDAY HERO Banking that rewards you for making an impact. Headquartered in NYC, Spiral is the world's first ethical banking app that rewards people for making a social impact, as we deeply believe that banking can be a force for good. We offer a powerful banking app that allows you to earn and make a social impact every day. JUST SWIPE AND MAKE AN IMPACT Shop at any restaurant, coffee shop, gas station, hotel, and more, and we'll donate to plant trees and provide clean water, meals, and safe shelter to people in need. EASILY SUPPORT CAUSES YOU CARE ABOUT Round up to the nearest dollar and use that money to support the causes you care about. (5) THE WORLD'S FIRST GIVING ACCOUNT Easily donate and discover over 1 million eligible charities across the U.S. We'll match your donation up to $150 a year. (3) We'll even help you track your charitable contributions for tax purposes. BYE-BYE MONTHLY FEES No minimum balance. No monthly fees. (1) No ACH transfer fees. EARLY MONEY, EXTRA MONEY Get rewarded for making an impact. Get paid up to two days early with direct deposit (2) MANAGE YOUR ACCOUNT EASILY Connect your external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more. PERSONAL CUSTOMER SERVICE We believe in people, not robots. Our personal customer service team is ready to help you with every need. FDIC INSURED All deposit accounts are issued by nbkc bank, Member FDIC. Deposits can be insured up to $250,000. (4) JOIN NOW IN LESS THAN 2 MINUTES Spiral is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. 1- Spiral will charge your account $7 per month (for up to 6 months) if you do not make a deposit or withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee. 2- Your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds. 3- Spiral matches donations up to $150 per year when you make a minimum donation of $5 per year. If you set up a monthly direct deposit of payroll of at least $1,000 to your checking or savings account (or a recurring incoming transfer of at least $1,000 to your checking or savings account), Spiral will match your donations up to the annual limits in the Donation Matching Table by visiting www.spiral.us/disclosures depending on the number of your monthly deposits. If at any time during the year you increase your direct deposit of payroll (or recurring incoming transfer) so that Spiral's annual match would be higher, Spiral will match at the higher amount. 4- Any balances you hold with nbkc bank, including but not limited to those balances held in Spiral accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Spiral accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/. 5- See Spiral Terms of Service for details. ## Key features - Donate to charities with every purchase - Round up purchases to support causes - Match donations up to $150 annually - Get paid up to two days early - No monthly fees or minimum balance - Connect external payment apps - Personal customer service ## What do users think of Spiral? Overall sentiment: positive **Pros** - 👍 Easy to use - 💡 Great banking and donation features in one app - 🚀 Intuitive and user-friendly interface - 🤝 Generous donation matching - 🙌 Positive impact on the community **Cons** - 🐛 Issues with identity verification and account setup - 🤔 Unclear bonus and promotion terms - 😕 Inconsistent customer service experience **Commonly reported bugs** - App freezing and crashing during use - Delays in account setup and bonus payments **Most requested features** - Improved bonus and promotion transparency - Enhanced account management and transaction tracking - More charity and donation options ## Recent user reviews (10 of 50) All indexed reviews: https://appshunter.io/ios/app/spiral-mobile-banking/id1526316317/reviews.md ### 5/5 — I love it here *2022-08-19, version 1.16* No hassles use your debit card anywhere and no monthly fees No over draft I love it here been banking with them a while and it’s been great ### 5/5 — Great Bank *2022-06-07, version 1.14.1* I haven’t had a problem with them. I will prefer them to anybody ### 5/5 — Myself *2022-02-19, version 1.10.1* I myself have breast cancer and I am in Remission due to my surgery that is the reason I am choosing the male breast cancer coalition as my charity to donate to…… ### 1/5 — Trash app *2022-02-10, version 1.10* They actually don’t give you the $50 bonus ### 4/5 — ???? *2022-01-25, version 1.9* I don’t understand y I did not get the $200 dollars signed in bonus? ### 5/5 — Great causes *2022-01-15, version 1.9* I love the causes Spiral stands for and love the ease of donating. ### 1/5 — Deceiving Bonus Peactices *2022-01-08, version 1.9* Signed up because they had a good 200 dollar bonus program going if you make direct deposits of 1,000 for two consecutive months. Come January 1st, they change the terms of the deal and make it 1,500 for two consecutive months starting at the end of the new promotion period which is January 31st. I.e the clock has restarted for people who have been making 1,000 direct deposits for a couple of payroll cycles. ### 5/5 — Great *2022-01-07, version 1.9* Great way to help thanks ### 5/5 — Love It! *2021-12-01, version 1.8* Love this online Bank. It’s the best to have if you don’t have a real bank account!!! ### 1/5 — App doesn’t work for identity verification *2021-12-01, version 1.8* App keep looping through identity verification They should have built a functional app at least ## Frequently asked questions about Spiral ### What does the Spiral app do? Spiral is an ethical banking app that allows you to save and spend money while making a social impact. It automatically donates to charities with every purchase, lets you round up transactions to support causes, and offers features like early direct deposit and fee-free banking. ### How does the app help me make a social impact? With every purchase made using the app, a portion is donated to plant trees and provide clean water, meals, and safe shelter. You can also round up your purchases to the nearest dollar to support causes you care about. ### Are there any fees associated with using Spiral? Spiral offers fee-free banking with no minimum balance and no monthly fees. There are also no ACH transfer fees. However, a $7 monthly fee may apply if no deposit or withdrawal is made for 90 days. ### Can I connect my other payment apps to Spiral? Yes, you can easily manage your account by connecting external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more to your Spiral account. ### How does the donation matching work? Spiral matches your donations up to $150 per year when you make a minimum donation of $5 annually. The matching amount can be increased based on the amount of direct deposit or recurring transfers you have set up. ## Version history (last 5 releases) ### 1.20 — 2022-11-03 Making your banking and giving experience even better. ### 1.19 — 2022-10-19 Making your banking and giving experience even better. ### 1.18 — 2022-10-06 Making your banking and giving experience even better. ### 1.17.1 — 2022-09-23 Making your banking and giving experience even better. ### 1.17 — 2022-08-29 Making your banking and giving experience even better. ## Apps similar to Spiral | App | Rating | Price | Category | | --- | --- | --- | --- | | [SoFi: Bank, Invest & Crypto](https://appshunter.io/ios/app/sofi-bank-invest-and-crypto/id1191985736) | 4.7 (385,561) | Free | Finance | | [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,459) | Free | Finance | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (194,420) | Free | Finance | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,484,624) | Free | Finance | | [Ally: Bank, Auto & Invest](https://appshunter.io/ios/app/ally-bank-auto-and-invest/id514374715) | 4.7 (108,844) | Free | Finance | | [OnePay – Mobile Banking](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953) | 4.9 (328,374) | Free | Finance | --- *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 2026-06-10.*