Qapital vs CharityStack
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Qapital
Automate your savings, investments, and budgeting with intelligent rules based on your habits. Set unlimited goals, track progress, and spend smarter with a dedicated debit card. Team up with a partner on shared financial goals while maintaining individual account privacy.
- Automated savings goals
- Smart budgeting rules
- Invest in ETFs
- Weekly spending card
- Partnered savings goals
- Progress tracking
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Save money, invest, and budget automatically with Qapital – an app that makes financial decision-making easier on the brain. Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with. Start your 30-day free trial today. No hidden fees. No surprises. ***** Qapital helps you to put away a little bit every week. It’s the easiest way to save for things like: presents, birthdays, vacations, and emergency funds. 1. Set unlimited money saving goals Set as many goals as you’d like, personalize them, move money to them automatically, and track your progress as you go. 2. Budget with smart rules Qapital transfers money from your checking account to Qapital savings using the rules you set. We help you build rules around habits you already have. That way, you can save when you buy a treat, or go for a run. 3. Save money & invest in ETFs Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you. 4. Spend smarter Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget. 5. Invite a partner and team up on your goals Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always. ***** Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Visa® debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC. Qapital will deduct a monthly membership fee after any applicable free trial ends and you connect a bank account. Current membership fees can be found at https://www.qapital.com/pricing. For full details, see Qapital’s Terms and Conditions (https://www.qapital.com/terms/) and Privacy Policy (https://www.qapital.com/terms/privacy-policy/).
CharityStack
Transform your iPhone into a donation terminal for events and fundraisers. Accept contactless payments, including cards and digital wallets, without needing a separate card reader. Streamline the donation process with customizable gift levels and instant digital receipts.
- Accept donations via Tap to Pay on iPhone
- Contactless payment options (card, Apple Pay, digital wallet)
- Customizable donation forms and funds
- Suggested gift levels and recurring donations
- Sponsorship options with quantities
- Fastest checkout with phone number only
- Instant digital receipts via text
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CharityStack POS turns your iPhone into a donation terminal for events, front desks and fundraisers. Accept donations with Tap to Pay on iPhone. No card reader needed: donors pay with a contactless card, Apple Pay or another digital wallet. • Pick any of your CharityStack donation forms and funds • Show suggested gift levels, or enter any amount, once or recurring • Offer sponsorships with quantities • Take just a phone number for the fastest checkout • Send donors an instant receipt by text, linked to their donor portal Every gift is recorded in CharityStack with its donor, form and fund. Requires a CharityStack account.
Screenshots
Verdict
The clearest difference is ratings volume: Qapital at 86K against CharityStack's 2. Qapital also leads on iOS requirement (16.0 vs 18.1). CharityStack's advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CharityStack holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Qapital has 86K ratings behind it against 2, so its average is the more settled of the two.
Qapital ships an update every 2 weeks, CharityStack weekly. Both last shipped on November 9, 2026.
| Parameter | Qapital | CharityStack |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (86K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 77.8% of reviews | — |
| Number of ratings | 86K — better | 2 |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 18.1 |
| Further details — not scored | ||
| Size | 580 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | Qapital, LLC | CharityStack |
Customer experience
Qapital
CharityStack
Bugs and requests
Qapital
Reported bugs
3 issues- App crashes and freezes
- Disconnection issues with bank accounts
- Incorrect or delayed transaction tracking
Requested features
5 requests- Ability to exclude certain transactions from savings rules
- More customization options for savings rules
- Faster money transfers
- Improved visibility into joint goal progress
- Free tier or waived fees for long-term users
CharityStack
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Qapital
No in-app purchases
CharityStack
No in-app purchases









