# Stairs: Savings App — Invest & Earn High Interest

> Invest money in real assets to earn high interest, with frequent payouts and no fees. (iPhone/iPad app by Groundfloor Finance Inc..)

- Source: https://appshunter.io/ios/app/stairs-savings-app/id1509074056 (this page in markdown: same URL + `.md`)
- Developer: [Groundfloor Finance Inc.](https://appshunter.io/developer/1509074055)
- Category: Finance, Business
- Price: Free
- Rating: 4.35/5 from 677 App Store ratings · 68 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 75 MB
- Languages: English
- Released: 2021-05-06
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/stairs-savings-app/id1509074056/reviews.md

## What is Stairs?

Stairs combines the easy access of savings with the real returns of investing – we call it “Savesting.” 

With Stairs, you can earn much higher interest than traditional savings accounts. 

Stairs puts your money to work in an investment backed by real assets, and your money plus interest is repaid into your account every five days. After your deposit clears, if you need to withdraw your money, you can do so anytime.  

There are no fees, ever.

Do your future a favor and download Stairs today.

## Key features

- Earn high interest on savings
- Invest in real assets
- Frequent interest payouts
- Withdraw funds anytime
- No fees

## What do users think of Stairs?

Overall sentiment: negative

**Pros**

- 💰 High interest rates (4-6%)
- 💳 Easy to deposit and withdraw funds
- 🤑 Good for short-term savings/emergency fund
- 👍 Simple and easy to use app

**Cons**

- 🐛 Frequent technical issues (app crashes, login problems, incorrect balances)
- 🔒 No FDIC insurance
- 🕰️ Slow withdrawal processing (up to 2 weeks)
- 💸 Unexplained loss of funds reported by some users

**Commonly reported bugs**

- Round-up feature not working for some users
- Inconsistent interest calculations
- Inability to withdraw or access funds

**Most requested features**

- 2-factor authentication
- Ability to link multiple bank accounts
- More transparency on how interest is calculated
- Website version of the app

## Recent user reviews (10 of 68)

All indexed reviews: https://appshunter.io/ios/app/stairs-savings-app/id1509074056/reviews.md

### 5/5 — Stairs

*2024-02-01, version 1.1.159*

Wish that Groundfloor would bring back this Stairs app. I loved it as a high yield savings account.

### 1/5 — It was great until it wasn’t…

*2023-06-22*

The app originally gave you the ability to earn up to 6% on your money with no minimum balance requirements. 

Then out of the blue, they took away round ups and automated transfers (both very convenient features), capped the interest rate at 4%, and doesn’t provide the security of FDIC insurance. 

It’s not a bad rate of return on cash you may have sitting around, but in today’s high interest rate environment, it’s easy to find a high yield savings account that offers even higher rates of return than 4% while also providing FDIC insurance.

At the time of this review, Marcus is currently offering 4.15% APY, while Wealthfront is offering 4.55% APY, and Raisin can match you with partner banks yielding as high as 5.12% APY. All of those offerings are FDIC insured. 

And if FDIC insurance isn’t important to you, then you should look into Worthy. Their bond accounts are currently yielding 5.65% APY and money is just as liquid as with Stairs.

### 1/5 — Cannot get your money out.

*2023-06-01, version 1.1.152*

App does not allow withdrawal of available funds to close account.

### 1/5 — Doesn’t work anymore

*2023-04-20, version 1.1.147*

Haven’t been able to log in for months. Just getting a response of “experiencing technical difficulties “. No idea what, if any, monies I have in my account. Total waste of time. No help or contact info provided.

### 1/5 — Missing Money

*2023-04-05, version 1.1.144*

I’ve been using Stairs for over 8 months and have been very happy with it until I just checked my account and it says almost half of my money is gone with no record of a transfer meaning it must’ve been done through the company so I don’t think I can trust this app anymore

### 5/5 — Good app

*2023-01-17, version 1.1.123*

I’ve experimented with all features in the app and they all work well. Can’t complain at all so I have to give it a 5/5.

### 5/5 — Transferred $5k + RoundUps + Recurring

*2022-12-15*

I’m a professional real estate investor.  The company behind the Stairs app (GroundFloor) loaned our company the funds to buy & rehab a house less than 3 miles from where I live.  As a result, I started studying their business model and discovered the Stairs app.  I’ve decided to use it for my short-term cash / emergency fund.  I’ve got my monthly savings on auto-pilot with a recurring transfer.  Plus, they round up each of my debit card transactions… should have almost $12,000 saved in Stairs app in 12 months, earning 6% interest, and able to withdraw the cash at any time, with no penalty. Can’t beat that!

### 1/5 — Can’t deposit:(

*2022-11-27, version 1.1.118*

Download and setup was smooth but it keeps canceling my deposits with no explanation….

### 5/5 — It’s the best of both worlds

*2022-10-31*

I don’t understand anyone giving this less than 5 stars. Maybe some of negative reviews are from when it first launched and still had some bugs. I’ve never had an issue and the customer service is very helpful and responsive. Whenever I’ve had a question it’s been answered the same day or the very next. 

Stairs is the best of both worlds. You’re earning 6% while your investment is still fairly liquid. That’s an insnaley high rate considering how liquid your investment is. You can add and withdraw funds easily. It takes a few days for the funds to hit just like venmo or PayPal. If you have a chunk of change sitting around earning nothing but you want to be able to access it in the event of an emergency this is a no brainer. It’s also great for stashing your cash until you find another investment you want to go in on that has an even higher return. Don’t let your money just sit in a checking or savings account and earn practically nothing. This is a great app that’s backed by a great company in Groundfloor.

### 1/5 — Money missing

*2022-10-07, version 1.1.102*

App is clunky and difficult to navigate. Additionally my account doesn’t add up to the correct balance of all deposits let alone interest that was supposed to be deposited. Customer service is condescending and unhelpful. I’ll be closing my ground floor account as well as this one.

## Frequently asked questions about Stairs

### What does the Stairs app do?

The app allows users to invest their money in a way that earns higher interest than traditional savings accounts. It combines aspects of saving and investing, referred to as 'Savesting,' by putting your money to work in investments backed by real assets.

### How does earning interest work on Stairs?

Your money is invested in assets, and you receive your principal plus earned interest back into your account every five days. This frequent repayment cycle allows you to see your returns accumulate quickly.

### Are there any fees associated with using the Stairs app?

No, the app explicitly states that there are no fees for users. This means you can invest and withdraw your money without incurring any charges from the platform.

### Can I withdraw my money if I need it?

Yes, you can withdraw your money anytime after your deposit has cleared. The app offers flexibility, allowing you to access your funds when needed without penalty.

### Who is this app designed for?

This app is for individuals who want to earn more on their savings than traditional savings accounts typically offer. It's suitable for those looking for a way to make their money work harder through investments backed by real assets, with the added benefit of easy access to funds.

## Version history (last 5 releases)

### 1.1.162 — 2024-11-27

Download the Investor App and continue investing!

### 1.1.160 — 2024-05-24

- update customer support

### 1.1.159 — 2023-09-13

Copy updates

### 1.1.158 — 2023-09-06

- security updates

### 1.1.157 — 2023-07-20

- fix login error

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## More apps by Groundfloor Finance Inc.

- [Groundfloor: Invest In Homes](https://appshunter.io/ios/app/groundfloor-invest-in-homes/id1569086243)

All apps by Groundfloor Finance Inc.: https://appshunter.io/developer/1509074055

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*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.*