# Symphony: Save & Earn — High-yield savings & rewards > High-yield savings and rewards app with automated growth and redeemable points. (iPhone/iPad app by Symphony Labs Inc..) - Source: https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445 (this page in markdown: same URL + `.md`) - Developer: [Symphony Labs Inc.](https://appshunter.io/developer/1870361385) - Category: Finance, Travel - Price: Free - Rating: 4.90/5 from 97 App Store ratings · 34 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 130 MB - Languages: American English - Released: 2026-05-22 - Data updated: 2026-09-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445/reviews.md ## What is Symphony? Save money. Earn rewards. Travel more. Credit cards reward spending. Symphony rewards saving. Earn 5% APY in cash, points, or a mix of both that can be transferred to leading airline and hotel loyalty programs. Every dollar you save helps you grow your money and get closer to your next trip. Whether you’re building an emergency fund, saving for your next vacation, or simply making your money work harder, Symphony helps every dollar go further. Earn in cash, points, or both. Unlike traditional savings accounts, Symphony lets you choose how your rewards are paid. 100% cash interest 100% travel points Or any mix of both Change your rewards allocation anytime to match your goals. Turn savings into travel Your points can be transferred to participating airline and hotel loyalty programs, helping you book flights, hotel stays, upgrades, and unforgettable experiences. Instead of earning rewards by spending more, earn them simply by saving. Why people use Symphony Earn a fixed 5% APY on your savings Earn points on every dollar you save Transfer points to airline and hotel partners Choose cash, points, or both Fast deposits and withdrawals No fees or minimum balance requirements Built with security in mind. Your money is protected through multiple layers of institutional-grade security, independent custody partners, smart contract coverage, and additional reserve protections designed to help safeguard customer assets. Limited Time Offer: New Member Welcome Bonus New members can unlock +100,000 bonus points when they start saving. Download Symphony today and discover a better way to save. Terms and eligibility requirements apply. See symphony.io for more details. ## Key features - 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 ## Recent user reviews (10 of 34) All indexed reviews: https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445/reviews.md ### 5/5 — Addicting in a good way *2026-08-20* 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. ### 5/5 — Best Fintech I’ve seen in Years *2026-08-14* 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! ### 5/5 — Interesting New FinTech *2026-08-11* Really like the idea to earn points and interest on savings. App works great. Modern sign up process. Support assistance has been great if needed. ### 5/5 — Awesome way to grow money *2026-08-06* Usually don't write reviews too often but this app has exceeded all of my expectations. This is like having an overpowered HYSA. As someone who is a credit card points connoisseur this is a great opportunity to actually earn points on savings. So far been great! ### 1/5 — Bad services *2026-06-30* 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 **Developer response:** 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. ### 5/5 — Reimagining Savings *2026-06-07* 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. ### 5/5 — Great savings app! *2026-06-05, version 1.0.8* Cool balance feature between points and cash ### 5/5 — Great App *2026-06-03, version 1.0.6* In love with this new era of saving money and earning points! I highly recommend this app so all users! ### 5/5 — Cheat code for points hacking *2026-06-03, version 1.0.6* 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 🤘 ### 5/5 — The Future *2026-06-03, version 1.0.6* Incredible app - this feels like the future of finance. ## Frequently asked questions about Symphony ### 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. ## Version history (last 5 releases) ### 1.0.30 — 2026-08-28 What’s New in 1.0.30 - Clearer guidance when your welcome bonus enrollment window may have ended - Improved profile display for longer names ### 1.0.29 — 2026-08-20 What’s New in 1.0.29 - Track referral rewards, progress, and upcoming point unlocks - Updated welcome bonus deposit tiers and projections - Minor UI polishes to onboarding flow ### 1.0.28 — 2026-08-17 What’s New in 1.0.28: - Standard deposit limits increased to $25,000. - Referral earnings and projected points are now easier to track. - Improved wire deposit guidance and fee reimbursement details. ### 1.0.27 — 2026-08-11 What's new in 1.0.27: - New referral welcome screen showing who invited you - Referral network now displays the names of people who signed up using your referral link - Improved onboarding, improved balance display, and various bug fixes ### 1.0.26 — 2026-08-04 What's new in 1.0.26: - New referral welcome screen showing who invited you - Referral network now displays the names of people who signed up using your referral link - Smoother onboarding, improved balance display, and various bug fixes ## Related topics [symphony](https://appshunter.io/ios/topics/symphony) · [aimphan](https://appshunter.io/ios/topics/aimphan) --- *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 2026-09-02.*