Best Alternative Savings Apps

212+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Whether you're new to alternative savings or looking for an upgrade, our curated collection of 212+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Top Picks for Alternative Savings

Monese - A banking alternative#1

Monese - A banking alternative by Monese Ltd

The money app
Editor's Choice
💰 Finance
4.7(2.4K ratings)
FreeAds
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Open a mobile money account with this banking alternative, offering fast and free accounts in 31 countries. Enjoy features like global card usage, fee-free transactions, real-time notifications, savings pots, and more. Join over 2 million users for financial freedom wherever life takes you.

Bread Savings#2

Bread Savings by Comenity LLC

Strong Contender
💰 Finance
4.7😐(4.7K ratings)
FreeAds
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An app for users of Bread Savings online bank to easily access and manage their high-yield savings accounts and CDs. Features include account monitoring, mobile check deposits, fund transfers, customization options, and direct customer support access. Sign in with online banking credentials to start saving conveniently on the go.

What We Love

  • 🚀 Easy to use app
  • 👍 Responsive customer service
  • 💰 Competitive interest rates
  • 🏦 Great online banking platform

Room to Improve

  • 🐛 Frequent app crashes
  • ⏱️ Long customer service wait times
  • 🔒 Account access issues
Qapital: The Money Saving App#3

Qapital: The Money Saving App by Qapital, LLC

Save. Invest. Budget.
Worth Considering
💰 Finance
4.8😊(86K ratings)
Free
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Qapital is a personal finance app that helps users save money towards their goals by allowing them to set up customized savings rules and automate their savings. With features like goal setting, automatic savings transfers, and round-up purchases, users can effortlessly work towards their financial objectives. Start saving smarter today!

What We Love

  • 💰 Effective savings tool
  • 📈 Helps build good financial habits
  • 🤝 Useful for joint savings goals
  • 🤖 Automated savings rules

Room to Improve

  • 🕰️ Slow money transfers
  • 🔒 Difficulty reconnecting bank accounts
  • 💰 Unexpected fees/charges

More Alternative Savings apps to explore

4
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
Save, Invest & Manage Money
Free

A smart financial tool that helps users effortlessly save and invest their money through automated processes and various savings options. Start securing your financial future today with our easy-to-use app.

💰 Finance
(6.3K)
5
Oportun: Finances made simple
Oportun: Finances made simple
Oportun: Finances made simple
Build savings, track your loan
Free

Simplify saving and manage loans in one place with our app that tailored to your financial situation. Start saving effortlessly and meet your money goals smarter!

💰 Finance
(289K)
6
READYSAVE 529
READYSAVE 529
READYSAVE 529
by Ascensus Inc
Free

Download READYSAVE 529 to securely access your 529 plan account, check balances, manage transactions, add contributions, compare savings, and invite others to contribute. Access accounts from a wide range of 529 programs and enroll in select programs directly through the app.

💰 Finance
(27K)
7
NetBenefits
NetBenefits
NetBenefits
Fidelity workplace benefits
Free

Manage all your Fidelity workplace benefits in one place with this app. View retirement savings, manage HSA expenses, access educational materials, and stay secure with advanced security measures. Take control of your financial well-being today.

💰 Finance
(28K)
8
Cowrywise: Save & Invest Money
Cowrywise: Save & Invest Money
Cowrywise: Save & Invest Money
Save. Invest. Get richer daily
Free

Save and invest effortlessly with our user-friendly app that allows you to set financial goals, automate savings, and invest in mutual funds easily. Start building wealth today!

💰 Finance
(11K)
9
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Gas & Grocery Rewards
Free

Get cash back on your everyday purchases with this app. Simply scan your receipts and earn rewards on eligible items. Start saving now!

🛍️ Shopping
(6.5K)
10
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Save with a 3D money box
Free

An app that helps users set savings goals, track progress, and manage expenses. Stay on top of your finances effortlessly.

💰 Finance
(7.5K)
11
هكبه | Hakbah
هكبه | Hakbah
هكبه | Hakbah
by NOON HAKBAH FOR INFORMATION TECHNOLOGY COMPANY
Free

Explore a modern savings app with social features, offering Jameyas ranging from 300 to 5,000 riyals per month for various goals. Join now for easy payments and guaranteed full rights, with rewards up to 2,000 riyals. Start saving with Hakbah today!

💰 Finance
(1.8K)
12
Savings Challenge: Savvy Goals
Savings Challenge: Savvy Goals
Savings Challenge: Savvy Goals
Money Goal Tracker
Free

Transform your savings dreams into reality with this flexible savings app, offering interactive challenges and customizable plans to help you achieve any financial target. Create your own personalized savings plan, track progress, and stay motivated with a fun and rewarding experience.

💰 Finance
(21)
13
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

🛍️ Shopping
(1.7M)
14
Principal®
Principal®
Principal®
Retire on your terms.
Free

Manage your retirement savings conveniently with our app, offering quick access to account information, personalized retirement tracking, financial education, and insurance details. Take control of your financial future with ease.

💰 Finance
(227K)
15
Guac - Save While You Spend
Guac - Save While You Spend
Guac - Save While You Spend
Guac
Free

Guac helps you save money effortlessly by syncing with your bank account, setting up savings goals, earning cash back through marketplace purchases, and easily transferring funds between accounts. Start saving today with Guac!

💰 Finance
(2.1K)
16
SaverLife: Accelerate Savings
SaverLife: Accelerate Savings
SaverLife: Accelerate Savings
Learn Tips, Win Cash, Save $$
Free

Accelerate your savings with our unique challenges and cash rewards app that helps you build a savings habit, win cash prizes, and achieve financial goals. Join now to double your savings rate and win big while learning valuable money-saving tips and tricks.

💰 Finance
(84)
17
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

This application allows users to easily access cash advances, manage their finances, and receive financial forecasts. It also provides low balance alerts, personalized spending insights, and secure bank account connections. Download today for fast cash advances and financial tools to help you save and manage money effectively.

💰 Finance
(142K)
18
Fundrise: Invest in Alts
Fundrise: Invest in Alts
Fundrise: Invest in Alts
Venture, Real estate, Income
Free

Invest in a diverse range of alternative assets such as real estate, venture capital, and private credit with our platform. Easily build a portfolio with flexible investment options starting at $10, transparent reporting, bank-level security, and expert support. Start investing today at fundrise.com.

💰 Finance
(37K)
19
Passion For Savings
Passion For Savings
Passion For Savings
Coupons, Deals, & Freebies
Free

Discover savings on a variety of products with our app! Access coupons, deals, and discounts to save money on your favorite items. Start saving today!

🛍️ Shopping
(5.1K)
20
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

💰 Finance
(2.2M)