Best Savings Accounts Apps

246+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated August 2026

Out of 246+ savings accounts apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Savings Accounts Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Chime® – Mobile BankingChime® – Mobile BankingFree4.8★ (1.6M)YesNoSep 2026
2Oportun: Savings & LoansOportun: Savings & LoansFree4.7★ (289K)NoNoSep 2026
3SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7★ (385K)NoNoSep 2026
4Acorns: Save & Invest MoneyAcorns: Save & Invest MoneyFree4.7★ (958K)NoNoSep 2026
5Marcus by Goldman Sachs®Marcus by Goldman Sachs®Free4.9★ (265K)NoNoSep 2026
6Ally: Bank, Auto & InvestAlly: Bank, Auto & InvestFree4.7★ (112K)NoNoSep 2026
7Capital One MobileCapital One MobileFree4.8★ (11M)NoNoSep 2026
8Cash AppCash AppFree4.8★ (8.7M)NoNoSep 2026

Top Picks for Savings Accounts

Chime® – Mobile Banking#1

Chime® – Mobile Banking by Chime Financial, Inc.

Credit, Cash back, Savings
Editor's Choice
💰 Finance
4.8😊(1.6M ratings)
FreeAds
#8in Finance
Chime® – Mobile Banking screenshot 1
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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
  • 💳 Spot me feature
  • 💳 Referral program
  • 🏧 Fee-free ATM access
  • 🤝 Helpful customer service

Room to Improve

  • 🐛 Inconsistent direct deposit timing
  • 🤖 Poor chatbot support
  • 💳 Difficulty with card activation/replacement
  • 💰 Fees for cash deposits
  • 🤔 Unclear account closure policies
  • 🔒 Security concerns with unauthorized transactions
Oportun: Savings & Loans#2

Oportun: Savings & Loans by Oportun, Inc

Build savings, track your loan
Strong Contender
💰 Finance
4.7😐(289K ratings)
Free
Oportun: Savings & Loans screenshot 1
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Oportun: Savings & Loans screenshot 5
Oportun: Savings & Loans screenshot 6

This finance app helps you reach savings goals by automatically setting aside money based on your income and spending. It also allows existing loan members to easily manage their accounts and payments within the app.

What We Love

  • 💰 Helps save money
  • 🤖 Automated savings
  • 📊 Provides financial insights
  • 🤝 Good customer service
  • 🎉 Reached savings goals

Room to Improve

  • 💸 Excessive/random withdrawals
  • 🕰️ Slow transfer times
  • 🚫 Difficulty closing account
  • 💳 Overdraft fees
  • 💰 Monthly subscription fee
SoFi: Bank, Invest & Crypto#3

SoFi: Bank, Invest & Crypto by Social Finance, LLC

Online Banking & Investing
Worth Considering
💰 Finance
4.7😐(385K ratings)
Free
#23in Finance
SoFi: Bank, Invest & Crypto screenshot 1
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SoFi: Bank, Invest & Crypto screenshot 6

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.

What We Love

  • 🚀 Convenient all-in-one finance app
  • 💰 Competitive interest rates on savings
  • 👍 Intuitive and user-friendly interface
  • 📈 Integrated investment platform
  • 💳 Useful credit card with rewards
  • 🔒 Secure account management

Room to Improve

  • 🐛 Buggy and unreliable account management
  • 🕰️ Slow money transfer and withdrawal process
  • 💸 Unwarranted account freezes and fund holds
  • 🤖 Poor and unresponsive customer service
  • 📈 Cluttered app with too many upsells
  • 🔍 Difficulty verifying identity and updating info

More Savings Accounts apps to explore

FAQ about Savings Accounts

What are the best savings accounts apps for iPhone?
Chime® – Mobile Banking tops our savings accounts apps ranking as of August 2026, with a 4.8-star average from 1.6M App Store ratings, and it's free to download.
Yes — 20 of the top savings accounts apps we rank are free to download, including Chime® – Mobile Banking and Oportun: Savings & Loans.
Chime® – Mobile Banking shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 246+ savings accounts apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
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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