Symphony: Save & Earn

Symphony: Save & Earn

High-yield savings & rewards

76 ratings
30 reviews
Free

Details

  • Released
  • Updated
  • May 22, 2026
  • July 23, 2026

Features

Symphony: Save & Earn screenshot #1 for iPhone
Symphony: Save & Earn screenshot #2 for iPhone
Symphony: Save & Earn screenshot #3 for iPhone
Symphony: Save & Earn screenshot #4 for iPhone
Symphony: Save & Earn screenshot #5 for iPhone
Symphony: Save & Earn screenshot #6 for iPhone
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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

1.0.23

July 23, 2026

What’s new in 1.0.23: - Improved welcome bonus enrollment experience - Faster access to bank deposits and other funding options

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User reviews

Bad services

Once you add bank account you cannot remove it that’s very weird and not safe for the customers who have a lot of money in their bank account . I wouldn’t recommend this application only for the simple fact I cannot remove my bank account for my safety

Response from developer

Thank you for sharing your feedback. Customers can revoke Symphony’s access directly through their bank at any time. Bank accounts can also be removed in the Symphony app once the standard 60-day ACH return window has passed. During that window, the funding account remains linked as a fraud-prevention measure, so deposits can only be withdrawn back to the account they came from. This helps protect customers from unauthorized transfers. If you have any questions about your account, our team is happy to help at support@symphony.io.

Reimagining Savings

Really impressed with this one. Saving money and racking up travel points at the same time? I’m in. Smooth app, easy to navigate, and a genuinely fresh take. Looking forward to the updates.

Great savings app!

Cool balance feature between points and cash

Great App

In love with this new era of saving money and earning points! I highly recommend this app so all users!

Cheat code for points hacking

I never leave reviews for apps but I really can’t believe this type of product didn’t exist before Symphony, this app has has gotten me more money and free flights than any other bank and that too without spending a single dollar. I’m constantly collecting points through my credit cards, Rakuten, or other ways to transfer to airlines and fly for free. Meanwhile my savings are typically sitting in some bank that gets me pennies on the dollar. It’s almost pointless, but whatever, it’s been better than nothing. That’s until I discovered Symphony and it really has been a game changer. Not only do I get higher APY on my savings than any other bank out there, but I ALSO get points on top of that to transfer to all the big airlines and hotels I always transfer too anyway! It’s amazing, I am literally earning points by doing nothing. I used to have to optimize which credit cards I use where, spend more to earn more points to hit a flight redemption, spend more on Rakuten, etc. that’s just the way it used to be, but with this app Symphony literally gives me points while I sleep. It really does encourage me to save more too so it’s just been a huge positive all around. I highly recommend Symphony the app is super easy and intuitive to use, and I mean it’s free money and points lol what’s not to love. Thank you to the team who built this, you guys are rockstars 🤘
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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.