Best Online Savings Apps

0+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

The best online savings apps on iPhone average 4.5★ across 0+ titles — we've ranked them by what real users actually keep on their phones. Updated June 2026.

Compare top Online Savings Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Chime® – Mobile BankingChime® – Mobile BankingFree4.8★ (1.5M)YesNoAug 2026
2GO2bank: Mobile bankingGO2bank: Mobile bankingFree4.8★ (63K)NoNoAug 2026
3Marcus by Goldman Sachs®Marcus by Goldman Sachs®Free4.9★ (260K)NoNoAug 2026
4SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7★ (386K)NoNoAug 2026
5U.S. Bank Mobile BankingU.S. Bank Mobile BankingFree4.8★ (2.1M)YesNoAug 2026
6PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
7Revolut: Send, spend and saveRevolut: Send, spend and saveFree4.7★ (71K)NoNoAug 2026
8Cash AppCash AppFree4.8★ (8.6M)NoNoAug 2026

Top Picks for Online Savings

Chime® – Mobile Banking#1

Chime® – Mobile Banking by Chime Financial, Inc.

The #1 Choice for Banking
Editor's Choice
💰 Finance
4.8😊(1.5M ratings)
FreeAds
#8in Finance
Chime® – Mobile Banking screenshot 1
Chime® – Mobile Banking screenshot 2
Chime® – Mobile Banking screenshot 3
Chime® – Mobile Banking screenshot 4
Chime® – Mobile Banking screenshot 5
Chime® – Mobile Banking screenshot 6

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

What We Love

  • 🚀 Early paycheck
  • 💰 No overdraft fees
  • 👍 Easy to use app
  • 💳 Credit builder feature

Room to Improve

  • 🐛 Inconsistent direct deposit timing
  • 🤖 Poor chatbot support
  • 💳 Difficulty with card activation/replacement
GO2bank: Mobile banking#2

GO2bank: Mobile banking by Green Dot Corporation

Mobile bank that works for you
Strong Contender
💰 Finance
4.8😞(63K ratings)
Free
GO2bank: Mobile banking screenshot 1
GO2bank: Mobile banking screenshot 2
GO2bank: Mobile banking screenshot 3
GO2bank: Mobile banking screenshot 4
GO2bank: Mobile banking screenshot 5
GO2bank: Mobile banking screenshot 6

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

What We Love

  • 🚀 Prompt direct deposit
  • 👍 Convenient mobile banking
  • 💡 Useful savings features
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Unreliable app functionality
  • 👎 Poor customer service
  • 🤖 Automated/scripted responses
Marcus by Goldman Sachs®#3

Marcus by Goldman Sachs® by Goldman Sachs

Banking & Personal Finance
Worth Considering
💰 Finance
4.9😐(260K ratings)
Free
Marcus by Goldman Sachs® screenshot 1
Marcus by Goldman Sachs® screenshot 2
Marcus by Goldman Sachs® screenshot 3
Marcus by Goldman Sachs® screenshot 4

Manage your finances and grow your savings with competitive interest rates on various account types. Easily open accounts, add funds, and track your progress with helpful tools. All deposits are FDIC-insured for your peace of mind.

What We Love

  • 🚀 Easy to use
  • 👍 Great app design
  • 🚀 Smooth performance
  • 💰 Competitive interest rates

Room to Improve

  • 🐛 Technical issues
  • 🔒 Difficulty accessing funds
  • 👎 Degraded app features

More Online Savings apps to explore

4
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
Online Banking & Investing
Free

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

Buy, sell, and hold cryptocurrencyFee-free checking accountHigh-yield savings account
💰 Finance
(386K)
free with in-app purchases
5
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
Personal Finance and Invest
Free

Manage your finances, monitor cash flow, and send money securely. View account balances, deposit checks, pay bills, and track spending. Get personalized insights and explore banking products and investments.

Manage accounts and cardsSend and request money with Zelle®Deposit checks with increased limits
💰 Finance
(2.1M)
free with in-app purchases
6
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
7
Revolut: Send, spend and save
Revolut: Send, spend and save
Revolut: Send, spend and save
Change the way you money
Free

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

Multi-currency spending and transfersVirtual and physical card optionsStock trading with low minimums
💰 Finance
(71K)
free with in-app purchases
8
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
💰 Finance
(8.6M)
free with in-app purchases
9
Ibotta: Save & Earn Cash Back
Ibotta: Save & Earn Cash Back
Ibotta: Save & Earn Cash Back
Make Money Shopping Every Day
Free

Earn real cash back on everyday purchases by redeeming offers before you shop. Simply add offers, shop in-store or online, and upload your receipt or link your loyalty card to get paid. Withdraw earnings to your bank, PayPal, or as gift cards.

Earn cash back on everyday purchasesRedeem offers before shoppingUpload receipts for rewards
🛍️ Shopping
(2M)
free with in-app purchases
10
Macy's: Shop, Save, and Earn
Macy's: Shop, Save, and Earn
Macy's: Shop, Save, and Earn
Shopping, Rewards and Savings
Free

Easily find and purchase gifts with exclusive offers, fast pickup, and delivery options. Discover personalized recommendations, trending items, and festive décor for everyone on your list. Earn rewards and get alerted to special deals.

Personalized For You pageApp-only offers and early accessIn-store barcode scanning
🛍️ Shopping
(2.3M)
free with in-app purchases
11
Maya – savings, loans, cards
Maya – savings, loans, cards
Maya – savings, loans, cards
BSP-licensed banking and more
Free

This app offers digital banking services including high-interest savings accounts, personal loans, credit cards with rewards, and investment options in cryptocurrency and funds. Users can also pay bills, shop online, and send money globally.

High-interest savings accountsPersonal loans up to P250,000Credit cards with rewards
💰 Finance
(3.8K)
free with in-app purchases
12
Rabobank Online Savings NZ
Rabobank Online Savings NZ
Rabobank Online Savings NZ
by RABOBANK AUSTRALIA LIMITED
Free

Easily manage your savings accounts with this finance app. Access your accounts, check balances, transfer funds, and set up automatic payments. Secure messaging and enhanced security features are included for convenient banking.

Transfer money between accountsView pending and historical transfersSet up automatic payments
💰 Finance
(1)
free
13
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
💰 Finance
(391K)
free with in-app purchases
14
Great Clips Online Check-in
Great Clips Online Check-in
Great Clips Online Check-in
Save time with Online Check-In
Free

This app allows you to check estimated wait times at nearby hair salons and join the waitlist remotely. Receive text alerts when it's almost your turn to head to the salon, saving you time and ensuring a smoother salon visit.

View real-time estimated wait timesCheck in to salon waitlists remotelyReceive text alerts for arrival
🌟 Lifestyle
(673K)
free with in-app purchases
15
Coupert: Coupons & Cash Back
Coupert: Coupons & Cash Back
Coupert: Coupons & Cash Back
Shopping Savings in Safari
Free

This app automatically finds and applies coupons while you shop online, helping you save money. It also offers cashback rewards and price comparison tools to ensure you get the best deals. Syncs across devices for a seamless savings experience.

Automatic coupon testingEarn up to 40% cashbackPrice comparison and tracking
🛍️ Shopping
(24K)
free with in-app purchases
16
Acorns: Save & Invest Money
Acorns: Save & Invest Money
Acorns: Save & Invest Money
ETF, Stock Investing & Savings
Free

This app automates saving, investing, and spending to help you grow your financial wellness. It allows you to invest spare change, set recurring investments, and even invest in Bitcoin. You can also save for emergencies, retirement, and your children's futures.

Automated investingInvest spare changeRecurring investments
💰 Finance
(956K)
subscription
17
First Savings Mastercard
First Savings Mastercard
First Savings Mastercard
First Savings Credit Card
Free

Manage your credit card account conveniently and securely from your mobile device. Access account details, make payments, set up alerts, and update your information anytime, anywhere.

Secure biometric sign-inCustomizable account alerts24/7 account access
💰 Finance
(4.7K)
free
18
Monson Savings Mobile Banking
Monson Savings Mobile Banking
Monson Savings Mobile Banking
by Monson Savings Bank
Free

Manage your bank accounts on the go with this secure mobile banking app. Check balances, pay bills, transfer funds, deposit checks, and set up real-time debit card alerts for enhanced security.

Check account balancesView transaction historyPay bills
💰 Finance
(1.1K)
free
19
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
Save, Invest & Manage Money
Free

This platform offers a comprehensive suite of tools for saving, investing, and managing your finances. It provides various savings options, from automated plans to goal-oriented saving, and allows secure investment in diverse assets with competitive returns. The service prioritizes security and transparency, with a proven track record and regulatory compliance.

Automated daily, weekly, or monthly savingsGoal-based and group savingsFixed-term savings with upfront interest
💰 Finance
(6.9K)
free
20
Rabobank Online Savings AU
Rabobank Online Savings AU
Rabobank Online Savings AU
by RABOBANK AUSTRALIA LIMITED
Free

Easily manage your savings accounts on the go. Securely access your funds with a 5-digit PIN, eliminating the need for a physical Digipass. Transfer money, check term deposits, and send secure messages.

View and manage savings accounts5-digit PIN accessTransfer money
💰 Finance
(1)
free

FAQ about Online Savings

What are the best online savings apps for iPhone?
Chime® – Mobile Banking tops our online savings apps ranking as of June 2026, with a 4.8-star average from 1.5M App Store ratings, and it's free to download.
Yes — 20 of the top online savings apps we rank are free to download, including Chime® – Mobile Banking and GO2bank: Mobile banking.
Chime® – Mobile Banking shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
This app provides financial tools to help users save, spend, and build credit. It offers features like early access to direct deposits, overdraft protection on debit and credit card transactions, and a checking account with fee-free cash deposits and ATMs.
Key features include early payday access (up to $500 with direct deposit), SpotMe® for overdraft protection up to $200 on card transactions, smart credit management tools to protect and grow credit, and automatic savings features with a high-yield savings account.

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