Qapital: Save. Invest. Spend.

Qapital: Save. Invest. Spend.

  • Category: Finance
  • Release Date:
  • Current Version: 2.117.0
  • Adult Rating: 4+
  • Developer: Qapital, Inc.
  • Compatibility: Android
5
5
71,845 Ratings
$ 0

Qapital: Save. Invest. Spend. App

Qapital is the only mobile banking app that lets you save smartly, spend happily, and invest comfortably with intuitive tools that make it easy to take control of your personal finances. We’re committed to making money work for our users, not the other way around. And with more than 35,000 five-star reviews, we’re pretty sure we’re on the right track. Last year, our members saved an average of $1,500*. What would you do with that extra cash? •Automated saving so you can get more done With personalized savings Goals and automated savings Rules, you can save money without thinking about it. Purchases and other transactions made from your connected accounts and cards automatically trigger savings Rules, getting you closer to your Goals. Choose from any number of free in-app savings Rules, take advantage of our Apple Health integration, or customize your own Rules with our IFTTT integration (we have a few to get you started). Once your Goals and Rules are set, you can watch your savings grow in real time. •A checking account that helps you keep more of your money Our checking account skips those traditional bank fees. There are no low balance, overdraft, or foreign transaction fees. Instead, you get a brand new Qapital Visa® Debit Card** to help you save while you spend. Transfer funds instantly between your Qapital Goals and Spending account, and benefit from a Spending Sweet Spot™ that helps you stay on track and reach your goals. With Qapital Spending you’ll get: - Direct deposit - Interest on all of your accounts - Weekly Insights - Automatic bill payment - Mailed checks - Purchase notifications - In-app temporary card lock - Ability to set & reset your pin - More to come! •Personalized investment options to help you build more wealth. with Qapital Invest™, we’ve made investing as easy as saving. You can earn more toward your long-term goals with personalized portfolio recommendations based on your risk profile. We monitor your account, reinvest dividends, and rebalance your portfolio based on changing market conditions so that you don’t have to. Just set your Rules, spend happily with your Qapital Visa® Debit Card, and watch your investments grow. •A better way to budget with Spending Sweet Spot™ and Payday Divvy™ With Payday Divvy™, you can pay yourself first by setting aside money for your expenses, your Goals, and your everyday spending as soon as your paycheck arrives. Use Spending Sweet Spot™ to find a budget for all of your weekly expenses, become mindful of where and how you’re spending, and use that insight to find a spending amount that makes you happy. •Bank level security and protection with you in mind With 256-bit encryption, overdraft protection and FDIC-insurance up to $250,000, your money is safe at Qapital. •A new banking experience, intelligently designed for you Find your financial balance by using Qapital to help you save more, earn more, and reach your goals faster. Join our community of members dedicated to becoming their best financial selves. * Average amount saved by Qapital users during 2017 ** Issued by Lincoln Savings Bank, Member FDIC QAPITAL, the QAPITAL and Q logos, and SAVE SMALL. LIVE LARGE. are all registered trademarks of Qapital, Inc. Copyright © 2018 Qapital, Inc. All Rights Reserved.

Qapital: Save. Invest. Spend. app screenshots

Qapital: Save. Invest. Spend. app reviews

  • Savings 5/5

    By Ahsinat1712
    I save so much more now without even noticing!!!!!
  • Love it 5/5

    By Koven2013
    This is the best financial app ever made! Perfect for a automated "envelope system". They are literally the cornerstone of my financial system. I could not function without this amazing service!!!
  • My favorite !! 5/5

    By nycguy33
    3 years of savings and it’s still my favorite savings app with all the flexibility of all these rules. It’s the type of features you wish your main bank had. Best savings for all types of goals like trips and purchases and long term.
  • Great app 5/5

    By Cph84
    So easy to use. I love how it helps reach a goal or just save money without it breaking you or having to think about it daily.
  • App is still ok 5/5

    By Ray5917501850105918
    I'm an old member and although I gave up the full membership and its perks due to it now being a subscription, I still use the app to save money.
  • Awesome 5/5

    By hbfvhj
    Easy way for you to save money without even realizing! So easy made my 16 year old daughter sign up!!
  • Best ever 5/5

    By VG2008
    Easiest way to save money without trying!
  • Incredible 5/5

    By 2chillonchill
    This app is incredible, great ways to save! Also they make quicker transfers than Acorns. Saved me in an emergency!! I’m definitely putting my money right back in this app. Also I’ve told multiple people this is my favorite! Not just savings app but app flat out. iOS and product team did an incredible job here. Shoutout to the engineers those boys/ girls need a raise.
  • Love it! 5/5

    By carissaw97
    Everyone always gets freaked out about the 6$ a month fee but Not only can you change it to basics for 3$ a month and I think everyone can spare a little bit for this app that works to save you money whether it’s for rainy days or for that vacation you are saving for! This app is an awesome place to start saving and allows you to decide how much you want to save and how it takes the money out! I have had it for less than a week and have already saved 50 dollars just by swiping my debit card! And before you ask no I don’t notice the little differences it makes and I have it set to higher savings to save faster so you can adjust it how you like!! Long review but gives you guys an idea instead of basic responses!!!!
  • Painless saving 5/5

    By TR-KJB
    You are in control of how you save and it’s painless because it’s out of sight so out of mind!
  • Get this app now!! 5/5

    By AngeGom
    Amazing app! Saved enough money for a trip to Germany & Austria just by spending & using my credit cards!
  • We’re happy! 5/5

    By JimnMonica
    We’ve saved and received higher interest on our investments.
  • Amazing app! 5/5

    By yhazmyn_25
    It is so hard for me to save money and with this app it helps me so much! I’ve created about 5 goals and have accomplished them just by rounding up the change and saving those extra coins. I’ve used this app to save for traveling and I never have to touch my own money. Easy to use and overall amazing. I have NO complaints. Love this app!
  • Perfect for group saving 5/5

    By comolaflor1026
    My s/o and I use this for saving for vacations. It’s good because we can save together, while keeping our money separate. It’s also good in terms of holding each other accountable because you can see how much the other person has saved.
  • Good 5/5

    By tass972
    Awesome
  • It’s great at stashing money. 5/5

    By Michael E.
    I love to use this app to take money out of my account so I don’t even notice I’m saving for a certain project/travel/item.
  • Love! 5/5

    By evesmith92
    Want to save money? Get this app! Makes saving easy and I feel secure using it. Ive been using it for years have have saved lots of money for countless goals!
  • Caused account overdrafts 1/5

    By gotmuggedhere
    Thanks a lot
  • Great savings app 4/5

    By MDenh0124
    I’ve had the app since before they changed it to a monthly charge, so I was kind of grandfathered in without a monthly charge. Qapital is probably the best savings app that I have tried out. I like the rules it lets you set. The only problem I have had is with my funding account. It got frozen for a couple months and wouldn’t update my balance so all my rules got paused. After that got fixed I started using it again to save for certain things. I like the user friendliness and the clean design of the app. They keep it really simple looking.
  • Love Love Love this app 5/5

    By Shar Rose
    I just love this app. Love how I can set aside money for different goals simultaneously and it’s out of sight out of mind.
  • Best way to budget and save 4/5

    By scorpiogirl♏️
    This app has been a great start to getting my Finacial health on track , I love that I can save for my wants and still get my needs paid. I love that I can separate my money and continue to save for my goals on the stuff I already pay for. I wish I would’ve done this sooner !
  • It works! 5/5

    By ledford's law
    Set your goals and watch how it works!
  • I love this app. This app has help me save for vacation, birthdays, and Christmas!!!!!! 5/5

    By trinababy0000
    Only been using this app for 2 1/2 months and manage to save 200 bucks and not even missing them money. This has really help me save THABK YOU!!!!
  • Great app 5/5

    By shawnf198
    Love this app, makes it so easy to setup deposits by setting rules so you don’t even notice your saving/investing
  • Saved over $3000 4/5

    By 27katy27
    I’ve used this app for about a year. It’s east, compatible with my main bank (which it had more banks in). I’ve saved over $3000 for different trips & events. I liked it so much that I kept even after it started charging. That is the I my downfall.
  • Amazing app 5/5

    By Keynon_hm
    This app is so useful in saving and investing money. Highly recommend college students especially to invest.
  • So helpful! 5/5

    By Haley bb
    I’ve been able to save my time and money by downloading this app. Super helpful to have a the withdrawals automatically taking money out for me.
  • Love it! 5/5

    By REPN
    Love it!
  • They Steal From You 1/5

    By Beckawwwww
    This was a free account when I signed up over a year ago. Back in November they started charging me 8.00 a month (which is the highest plan I believe). There was no email. No notification saying “hey this is happening” I couldn’t figure out where this 8 dollars was going every month, couldn’t get back into the account until today. 24 dollars later they say they are gonna refund me only 8. It’s bs this app is confusing and it’s not worth your time or money. If I could give it no stars I would.
  • Amazing! I’ve saved so much 5/5

    By Lauryn158
    This app is amazing! I’ve saved over $1,100 since downloading the app (under 1 year ago). I have a few savings accounts set up in the app for different things. I was able to take a trip to florida with just when I saved in my vacation one! I highly recommend this app!
  • Almost perfect 4/5

    By not A Complainr
    I saved a lot of money with this app! I’d save even more if I had the option to hide the balance of my goals. That would be a helpful feature. Also, I’d like to be able to get paid 2 days early like most online banking apps.
  • Excellent 5/5

    By 009!'vcfh
    Great stuff. Helps tremendously!
  • Love it! 5/5

    By els3516
    Set it and forget it! Very easy to use and we’ve been able to save large sums relatively quickly.
  • Love It 5/5

    By 420Mermaid216
    100% Helps Me Save
  • Wonderful app 5/5

    By Djsmom05
    This app has been a life save and allowed me to reach goals, I would have normally not been able to do.
  • Amazing savings app 5/5

    By Diaz fan
    I love this app!!! It has helped me save for all kinds of occasions and it is free!! You could donate $1 minimum to help support the app (which I do because I love it that much), but it’s optional. Download if you need to save for a trip, emergency, an upcoming semester, or whatever else you can think of.
  • Love!!! 5/5

    By never using this service again
    I am so bad at saving and this app has really helped me save towards multiple goals, evaluate my spending habits and has made me all around better at managing my money. Thank you.
  • Good 4/5

    By 🤓⚡️🥠
    I like it good app and well I’m pretty sure they can’t really do much about it but I wish they could take out the savings instantly I don’t like how it builds up money then takes it away in a big amount. But other then it does help me a lot honestly!
  • Grade A savings app 5/5

    By Bella yogi
    This app helped me save 15k in one year
  • E A S Y Savings! 5/5

    By kristyanopolis
    I have never been able to save successfully until I downloaded this app. Even with a savings account attached to my checking a was impossible, I kept transferring the money over. The options or “rules” that it gives you, help you save money without you even noticing! Easiest way to save hands down!
  • Love this savings app!! (Updated) 4/5

    By I didnt so many features!
    I enjoy being able to categorize my saving goals. It makes savings easy, fun, automatic and colorful. The only thing is transfers take a bit of time, so getting the debit card would make things smoother! Update: the card is so cute and colorful. I love using it. It reminds me to be mindful of my spending and saving 🌱 — Update 2/2020 It’s tough that this app doesn’t sync as well as some other banking apps, and withdraws money that I don’t have. I still love the app, just wish they could their app would know when not to overdraw! The lag time definitely affects transfers.
  • Qapital 5/5

    By DKP07
    Awesome service
  • Sketchy 2/5

    By PyanRowers
    This app worked great for me years ago but over time the app continuously would disconnect from my bank account and would hassle me with trying to reconnect. Once i was notified that this company would start charging me to use it i said screw it and disconnected my account. I later found out towards end of Feb that even though the app still has my account $ listed from late October theyve been charging me the monthly fee to use it even though the account is disconnected from my bank. They seem to have trouble connecting to my bank all the time but when it comes to them getting paid they have no issues pulling straight from my unverified bank account. Ill find another service that doesnt pull this shady shit.
  • Revolutionized the way I look at money 5/5

    By GlossiGurl
    Makes it so easy to save. I’ve never saved money in my life. It’s been impossible for me in the past. In the past 2 months alone I’ve put away over 2k with the way I’ve been setting up the rules. But I love that if I need the money, it’s available instantly. I also use the spending account so I have my card that I use for day to day stuff/discretionary spending and my debit card from my “normal” account for bills and larger purchases. I talk about this app to anyone who will listen!
  • No Customer Support Access for Days 1/5

    By SpotifyMeAllDay
    Qapital created a “hold” on the account which when I looked up at the BBB website was happening to a lot of accounts. After submitting the required documents to verify my account (bank statement and ID) it has been days and still no access to my funds or use of the debit card. I would be very cautious to keep my money in an account in which you cannot access. It has been a week now and still no human being response, just bots. Horrible service in my opinion, and scary to not have access to savings funds.
  • Great tool! 4/5

    By tankerkh
    I use this all the time. So easy to set it up and save without thinking about it! Never thought I would save so much!
  • Great app, so helpful 5/5

    By kmf070717
    Amazing app! Helps make savings so much easier with recurring rules. Love it!
  • Really helpful! 5/5

    By Ameliefluous
    The overdraft protection is a lifesaver. It takes a long time to transfer funds over, so if you're like me and have a lot of rules set up, it can be kind of a sudden drain, but that's the only downside. Quick and helpful customer service, nicely designed. I do wish the same Guilty Pleasure rule could operate for multiple places instead of just one per rule. Altogether though I've saved $70 in just over a month!! I'm in love with this app !! Edit: I’ve now been using the app for a few years and have cumulatively saved over $5000. I also just got the spending card and opened an investment portfolio. This app is fantastic and does it all.
  • Set It And Forget It 5/5

    By web130
    It’s helped me believe I can manage my finances and others too.

Qapital: Save. Invest. Spend. app comments


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