Best Online Savings Account Alternative Apps

0+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

From beginner-friendly picks to power-user tools, our online savings account alternative list covers 0+ iPhone apps updated through June 2026. Compare ratings, prices, and screenshots in one place.

Compare top Online Savings Account Alternative Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Bread SavingsBread SavingsFree4.7★ (5.9K)NoNoAug 2026
2Monese - A banking alternativeMonese - A banking alternativeFree4.7★ (2.4K)YesNoAug 2026
3First Savings MastercardFirst Savings MastercardFree4.7★ (4.7K)NoNoAug 2026
4Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (132K)NoNoAug 2026
5BBVA Spain | Online bankingBBVA Spain | Online bankingFree4.8★ (3K)NoNoAug 2026
6Acorns: Save & Invest MoneyAcorns: Save & Invest MoneyFree4.7★ (957K)NoNoAug 2026
7Branch: A Better PaydayBranch: A Better PaydayFree4.8★ (67K)NoNoAug 2026
8Cowrywise: Save & Invest MoneyCowrywise: Save & Invest MoneyFree4.6★ (12K)NoNoAug 2026

Top Picks for Online Savings Account Alternative

Bread Savings#1

Bread Savings by Comenity LLC

Editor's Choice
💰 Finance
4.7😐(5.9K ratings)
Free
Bread Savings screenshot 1
Bread Savings screenshot 2
Bread Savings screenshot 3
Bread Savings screenshot 4

Manage your high-yield savings accounts and CDs on the go. Securely access your accounts, monitor transactions, and make deposits with mobile check capture. Effortlessly transfer funds and personalize your banking experience.

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
Monese - A banking alternative#2

Monese - A banking alternative by Monese LTD

The money app
Strong Contender
💰 Finance
4.7(2.4K ratings)
FreeAds
Monese - A banking alternative screenshot 1
Monese - A banking alternative screenshot 2
Monese - A banking alternative screenshot 3
Monese - A banking alternative screenshot 4
Monese - A banking alternative screenshot 5
Monese - A banking alternative screenshot 6

This app offers a digital banking alternative, allowing users to manage multiple currencies, send and receive money internationally, and access a contactless debit card. It provides budgeting tools, real-time notifications, and features like savings pots and virtual cards for secure online payments.

First Savings Mastercard#3

First Savings Mastercard by First Savings Bank (SD)

First Savings Credit Card
Worth Considering
💰 Finance
4.7😐(4.7K ratings)
Free
First Savings Mastercard screenshot 1
First Savings Mastercard screenshot 2
First Savings Mastercard screenshot 3
First Savings Mastercard screenshot 4
First Savings Mastercard screenshot 5
First Savings Mastercard screenshot 6

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.

What We Love

  • 🚀 Speedy and safe
  • 👍 User-friendly app
  • 🔒 Secure and easy to use
  • 💡 Convenient payment options

Room to Improve

  • 🐛 Auto-logout issues
  • 🐛 Unreliable app performance
  • 🔒 Forced 2FA concerns

More Online Savings Account Alternative apps to explore

4
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(132K)
freemium
5
BBVA Spain | Online banking
BBVA Spain | Online banking
BBVA Spain | Online banking
Download your BBVA Online app
Free

This banking app uses AI to personalize your financial experience, offering faster transactions and a financial coach to help you save and reduce expenses. It also includes features like a virtual assistant, multi-bank connectivity, and tools for mortgages, loans, and investments.

AI-powered personalized shortcutsFinancial Coach for savings and expense reductionVirtual assistant for customer support
💰 Finance
(3K)
free
6
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
(957K)
subscription
7
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
8
Cowrywise: Save & Invest Money
Cowrywise: Save & Invest Money
Cowrywise: Save & Invest Money
Save. Invest. Get richer daily
Free

Securely save and invest money with access to Nigerian mutual funds and stocks. Automate savings, earn competitive interest, and build wealth at your own pace. Your funds are professionally managed and protected by robust security measures.

Automated savings plansEarn double-digit interestGroup savings with Circles
💰 Finance
(12K)
free with in-app purchases
9
Current - Mobile Banking
Current - Mobile Banking
Current - Mobile Banking
Get Paid Early. Build Credit.
Free

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

Get paid up to 2 days earlyAdvance paycheck up to $750Overdraft fee-free banking
💰 Finance
(196K)
free
10
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
The app for all things money
Free

Manage your banking, investments, and auto payments all in one secure app. Features include smart savings tools, commission-free trading, and personalized investment advice. Get early direct deposit and free FICO® Score updates.

Manage bank, auto, and investment accountsSchedule vehicle payments and use Auto PaySmart savings tools like buckets and boosters
💰 Finance
(112K)
free
11
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(66K)
free
12
READYSAVE 529
READYSAVE 529
READYSAVE 529
by Ascensus
Free

Manage your education savings plan account on the go. Securely access your 529 plan, track investments, and make contributions. Withdraw funds for education expenses starting July 2025.

Secure 529 account accessView balance and transaction historyAdd one-time or recurring contributions
💰 Finance
(27K)
free
13
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
The #1 Choice for Banking
Free

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.

Early payday accessFee-free overdraft protectionCredit building tools
💰 Finance
(1.6M)
free with in-app purchases
14
Bluebird App
Bluebird App
Bluebird App
by HI Technology Corp
Free

Manage your finances on the go with a flexible and convenient financial account. Add cash fee-free, get paid early, and make purchases or withdraw cash without monthly fees. Securely control your money with 24/7 customer service.

Fee-free account managementEarly direct depositMobile check deposit
💰 Finance
(22K)
free with in-app purchases
15
Lively Benefits
Lively Benefits
Lively Benefits
Invest in Your Health ™
Free

Manage your health benefits effortlessly with an intuitive interface designed for everyone. Track balances, initiate claims, verify purchases, and access eligible expense lists on the go. Secure login features ensure your account remains protected.

View important benefit informationManage account balance and transactionsInitiate and verify claims
💰 Finance
(9K)
ad-supported
16
BPI
BPI
BPI
by Bank of the Philippine Islands
Free

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

Online account openingQR paymentsMoney transfers
💰 Finance
(16K)
free
17
RCBC DiskarTech Savings
RCBC DiskarTech Savings
RCBC DiskarTech Savings
Digital Savings Account & more
Free

This mobile banking app offers a digital savings account with high interest and zero fees. It also provides features for sending money, paying bills, and accessing other financial services, all regulated and insured for security.

Instant savings account openingUp to 4% annual interestZero fees and no maintaining balance
💰 Finance
(157)
ad-supported
18
Ulster Savings Bank
Ulster Savings Bank
Ulster Savings Bank
by ULSTER SAVINGS BANK
Free

Manage your finances on the go with this mobile banking app. Review account balances, transfer funds, pay bills, and view cleared checks. Easily locate ATMs and branches with secure SSL encryption.

Review account balances and transactionsTransfer funds between accountsPay bills
💰 Finance
(3.6K)
free
19
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Gas & Grocery Rewards
Free

This app offers cash back on groceries, gas, and prescriptions by simply uploading photos of your receipts. Discover new deals weekly on everyday items and popular brands, and earn rewards at participating gas stations. It's an easy way to save money on your regular purchases.

Cash back on groceriesGas rewards and savingsPrescription savings card
🛍️ Shopping
(6.5K)
free with in-app purchases
20
NetBenefits
NetBenefits
NetBenefits
Fidelity workplace benefits
Free

Manage your Fidelity workplace benefits, including retirement savings, stock options, health insurance, and HSAs. Track account balances, investments, and expenses. Plan for your future with personalized tools and educational resources.

Manage retirement savingsAccess stock optionsView health insurance details
💰 Finance
(29K)
free

FAQ about Online Savings Account Alternative

What are the best online savings account alternative apps for iPhone?
Bread Savings tops our online savings account alternative apps ranking as of June 2026, with a 4.7-star average from 5.9K App Store ratings, and it's free to download.
Yes — 20 of the top online savings account alternative apps we rank are free to download, including Bread Savings and Monese - A banking alternative.
Bread Savings has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
The Bread Savings app allows users to manage their high-yield savings accounts and CDs from their mobile devices. It provides secure access to accounts, enables monitoring of balances and transactions, and facilitates mobile check deposits and fund transfers.
Key features include secure sign-in with Touch ID or PIN, the ability to view account balances and transactions, mobile check capture for deposits, effortless fund transfers to linked accounts, and a customizable interface for a personalized banking experience. Users can also easily access customer support.