iPhone Screenshots


Qoins is designed to help you pay off your debt or save money faster. Simply link your bank account, and we’ll take care of the rest — put aside your spare change or pay down your debt.

Become debt-free, without even thinking about it!

Qoins is your personal debt manager when you want to save money on interest fees and get out of debt, on average 2 years faster than planned. Thousands of people have already paid down over $15 million worth of debt!

Achieve financial freedom while Qoins automatically contributes towards your credit card, auto loan, student loans and mortgage payments. Watch your debts disappear and your credit score increase with Qoins!

Download now to unlock a debt-free future!



- Your debt paid off up to 10x faster: On average, Qoins customers contribute an additional $60 per month towards their loans.

- Improved credit score: People who pay off debt faster benefit from a higher credit score.

- Bank-level encryption: We don’t store your banking information, and we use industry-standard encryption.

- Payment guarantee: If there is an issue with your lender, Qoins will ensure everything is refunded.



‘We have paid off multiple cards and are now paying down our car loan quicker than planned.’ - Janice T

‘I’m always amazed by how much has been saved in just a short amount of time!’ - Kimtrovert

‘Must have for students… As a person with student loan debt, this allows me a new way to pay down my debt faster.’ - Darum62

‘This app has done wonders in helping me pay off my credit card debt.’ - bbrealz



1. Sign up and connect your bank account after downloading the Qoins app.
2. Fill in your lender’s details and set up an automatic payment schedule OR use your account to save money.
3. Choose a way to contribute towards your goal: Roundups, Smart Savings, Weekly Withdrawals, When I Get Paid. Customize the plan to hit your goal on your schedule.
4. You can track the amount paid towards your debt anytime.
5. Watch your debt disappear as Qoins automatically makes an extra payment each month!



Standard subscription • $2.99 per month (per goal)
Pro subscription • $4.99 per month (multiple goals)



Not to brag, but our customer support team is awesome! We are live 9am - 5pm EST Monday to Friday to support you with any issues.

Help center and FAQs: https://help.qoins.io

What’s New

Version 4.1.4

Hey there! Here's what's new in this update:

1. Multiple Payment Destinations: Send your savings to pay down multiple types of debt at the same time!
2. Safe to Save - set a threshold for your checking account, and Qoins won't move money to your goals if your balance is too low
3. Automated Savings - choose to only save money without having to make debt payments.
4. Unlimited Withdrawals and Deposits - no more limits, just reach for the stars.
5. Setting Goals - choose and define the amount you are saving or contributing towards your loan.

Stay tuned for more!

Ratings and Reviews

4.7 out of 5
1.9K Ratings

1.9K Ratings

Romanrayns ,

Qoins is undoubtedly a must have app!

Let me first give a shout out to the 1 guy that returned my call, kudos to you sir! (I won’t say his name due to privacy) but I’m sure he’ll see this! Yes...I was skeptical about this app at first after reading some reviews just like others have written here. However I decided to see for myself once again, based on others reviews on here. And I’m glad I chose to give it a shoot! Not once have I experienced anything wrong or bad on here, nothing but true reliability from Qoins, however I ran into an issue with my CC company (only on my end) and I ask that my funds be returned to my account, but accidentally pressed the wrong button for my return, and it wasn’t coming back to me. Boy was I upset, but I emailed Qoins and awaited to here back from them but also noticed a phone number to reach them by phone, and boy was I ever grateful that I made the choice of calling. That’s when customer service (Specialist) “Wink” returned my call and handled my question with respect and courtesy and help resolved my issue. I’m 101% satisfied and appreciative of him, and I would also recommend this (Qoins) to anyone who skeptical as I was to try it and see for yourself how pleasant this company and customer support truly are! Thanks again and Happy New Year Qoins!

Developer Response ,

Thank you so much for the kind words! We really do our best to provide great customer service and we're glad we could help show you that Qoins is awesome 😁

Carpals sap ,

Broken again

Would have given 5 stars a few months ago.... then my bank account unlinked randomly a couple times and support to help fix the issue... now however I can’t even login on the app. I get get a pulsating “Q” for 5 minutes only or that followed by setting up a mobile pin (which I had and used for months to login) only to sit at the confirm pin screen and never progress past...can’t see my account, can’t change the debt account, couldn’t stop the charges if I wanted too. Please reach out and fix the issue which seems to be your broken app. I don’t understand updating the app when no one complained about it to begin with. Your already getting commission of the payments, don’t be like every other app and lose customers by trying to incorporate to much crap into a simple app.

Developer Response ,

Hey there! We're very sorry for this inconvenience. Our support team should have updated you about the situation but please reach out to us again with any other questions or concerns. Thank you! You can reach us at support@qoins.io

Kenyers ,


So I honestly don’t write review, but my patience has run thin. It’s been 3 month that I have been dealing with this issue. Qoins was taking the money out of my account, but the money was never making it to my credit card. I called customer service and the guy, Armin, seems so helpful. I thought the issue would be resolved easily. Another month goes through and the are still taking money out of my account, but again the first and now the second payment never reach my credit card. I call again, he makes a few calls and gets back to me that I have to call Wells Fargo because that is where the money is. Mind you, I don’t bank with Wells Fargo and apparently Qoins doesn’t use them either, so atp I’m confused. So Qoins is telling me they can not refund MY money until Wells Fargo releases the fund. When I called Wells Fargo they can’t help me because I don’t have an account with them so basically I’m going around in a circle and I’m highly annoyed. So now I’m asking if we can put a hold on this account that is taking money out, because I’m scared if I deactivate the whole account I can’t get my money back. I have called and sent emails and no one is responding.

App Privacy

The developer, Qoins Technologies, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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