Best Sofi High Yield Savings Apps

Chime® – Mobile Banking

Save, Spend, Build Credit

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.

Amex

Payments, Balance & Rewards

Free

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

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.

Figure Markets: Earn & Borrow

Earn yield backed by RWAs

Free

This app allows users to borrow, earn, and trade crypto tokens, including lending against real-world assets like home equity loans. It offers fixed-rate crypto loans with self-custody and features a yield-bearing, SEC-regulated stablecoin.

Capital Group PlanPremier401k

Manage your 401k

Free

Manage your employer-sponsored retirement plan, view account details like income estimates and rates of return, and make changes to contributions, investments, and beneficiaries. Access plan forms and upload documents for account updates.

Varo Bank: Online Banking

Early Payday & Cash Advances

Free

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

Worthy Financial - Earn 5%

Live for now. Save for later.

Free

This app helps you save and grow your money by investing in fixed interest bonds that support American small businesses. Set up recurring investments or automatic round-ups to grow your savings effortlessly. Withdraw funds anytime without penalty.

Jiko: Spendable T-Bills

The future of money storage

Free

This app offers a unique way to manage your money by combining the safety and yield of T-bills with the convenience of a debit card. Earn interest on your savings while spending your investments with real-time liquidation and cashback rewards. It's a secure, federally regulated financial institution designed for modern money management.

Axal: High Yield Savings

Earn 6-10% APY.

Free

Earn high yields on your savings with APYs up to 10%, significantly more than traditional banks. The app uses automated rebalancing to ensure your funds are always in optimal opportunities, offering a secure and simple way to generate passive income.

Aave: Save and Earn

Earn up to 9% per year

Free

This application allows users to save money and earn interest with APY rates up to 9%. It offers account protection up to $1 million, with no fees, minimums, or lockups. Funds can be deposited and withdrawn instantly from over 12,000 linked banks and debit cards.

CashBoxNG

Save money securely

Free

Securely save money with this online platform, offering various savings plans for individuals and groups. Earn interest on your deposits and monitor your progress easily. Designed for users of all ages to build financial habits.

Robinhood Banking

Credit Card & Banking

Free

This app offers a credit card with 3% cash back and virtual card numbers for private spending. It also provides banking services like high-yield savings, no-fee ATMs, and full-service banking without visiting a branch.

Elevault – Interest Paid Daily

Elevate your wealth.

Free

This app helps you manage your money, budget effectively, and grow your savings with daily interest. It offers tools for organizing funds into custom 'Vaults' and provides insights into your financial health. Secure banking backed by a trusted financial institution ensures your money is safe.

Vestwell

For the future.

Free

This app helps users build their financial future by providing accessible and intuitive savings solutions for retirement, education, disability, and emergencies. Manage your accounts, track progress, and access funds seamlessly from your mobile device.

Raisin: Earn More on Cash

Savings, CDs, and More

Free

This app helps you grow your savings by connecting you to high-yield accounts and CDs from multiple FDIC-member banks and NCUA-member credit unions. Manage all your deposits, compare rates, and simplify tax reporting from a single, secure dashboard with no added fees or minimums.

Capital One Mobile

Easy account access anywhere.

Free

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

Kuvera: Surplus, Mutual Funds

Calculate & Invest in ELSS,NPS

Free

This app simplifies online investing by offering a single platform for mutual funds, fixed deposits, and stock market investments. It provides tools for financial planning, goal setting, and family accounts, along with smart analytics to help users make informed decisions and grow their wealth.