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Symphony: Save & Earn

Symphony: Save & Earn

High-yield savings & rewards

106 ratings
37 reviews
💰 Finance
✈️ Travel
Free

Details

  • Released
  • Updated
  • May 22, 2026
  • September 17, 2026

Features

Developer

Symphony Labs Inc.
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About

This app offers high-yield savings accounts with up to 5% APY and rewards points on every dollar saved. It's fully automated, allowing users to grow their money effortlessly and redeem points for various perks. Designed for financial wellness, it provides a clear, real-time view of savings growth.

✓Up to 5% APY on savings
✓Earn reward points on every dollar saved
✓Fully automated savings growth
✓Redeem points for travel, experiences, gift cards
✓No fees or minimums
✓Instant withdrawals
✓Real-time growth tracking
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What's New in Symphony

1.0.33

September 17, 2026

What’s New in 1.0.33: - Introducing Legacy Planning: add, edit, or remove an optional trusted contact - Explore estate information and learn how your family can request assistance from Symphony

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User reviews

Most RecentHighest RatedLowest Rated

Great customer service

First of all, I’m very impressed with their customer service. They responded quickly and were very knowledgeable! I think the concept of this app is amazing. I’m still a bit hesitant as the release of their transfer partners has been delayed, but overall I’m happy.
Audreymm202Audreymm202

New favorite app!!!

I’m so glad this finally exists! I can save money and make money while planning my next vacation. I’ve already earned points and am looking forward to using them on future adventures. Ive also found it’s super easy to get in touch with the support team - sometimes it’s even the founders themselves! Highly recommend!
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TobyIrenTobyIren

Super cool idea - beautiful app

Really nice UI and a great idea to get higher savings!! Love the concept of converting the points to travel too without spending. Excited for this!
DmancloudsDmanclouds

Addicting in a good way

It’s only been 24 hours and I’m already hooked on watching my points interest rack up! Plus, the chat feature is fantastic. An actual human is responding and answering all my random questions. Hoping this ends up a long term program.
TravelersinlawTravelersinlaw

Best Fintech I’ve seen in Years

Honestly one of the coolest financial apps I’ve used. I’m a huge points and miles person so earning even more points just for saving (can’t believe this hasn’t been a thing yet).

App is super smooth, modern, and I love how transparent the team and company is which is rare nowadays.

Seeing this level of transparency and all of the different safeguards they have in place was what really convinced me to give it a go.

Def recommend trying it out if you love traveling!
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HonAnnetteHonAnnette
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FAQ

What is the APY for Symphony?

Symphony offers up to 5% APY on savings. This Annual Percentage Yield (APY) is variable and subject to change. For full terms and details, users should visit symphony.io.

How does Symphony reward users for saving?

Symphony rewards users with points on every dollar saved, in addition to APY interest. These points can be redeemed for various rewards like travel, experiences, or gift cards.

Is Symphony safe to use for my money?

Symphony is designed for financial wellness and provides a clear, real-time dashboard to track your growth. The app is supported on iPhone, iPad, and iPod, and has an age rating of 17+.

How quickly can I access my money with Symphony?

Withdrawals from Symphony can be made anytime, instantly, and on your terms. There are no fees or minimums associated with setting up or using your account.

How often is Symphony updated?

Symphony was last updated on June 26, 2026, with version 1.0.15. This indicates a commitment to regular updates and improvements for the application.

Does Symphony have any hidden fees?

No, Symphony explicitly states there are no hidden fees. The app also has no minimum balance requirements, making it accessible for all users.

How long does it take to set up an account with Symphony?

You can set up your Symphony account in under 2 minutes. The process is designed to be quick and effortless, allowing you to start growing your money immediately.

Can I invite friends to Symphony?

Yes, you can invite friends to Symphony. When they join, both you and your friend can earn bonus rewards, offering an additional way to benefit from the platform.