Earn 5% APY in cash, points or a mix of both. New members can unlock over 100,000 bonus points.
Save money. Earn rewards. Travel more.
Credit cards reward spending. Symphony rewards saving.
Earn 5% APY in cash, points, or a mix of both that can be transferred to leading airline and hotel loyalty programs. Every dollar you save helps you grow your money and get closer to your next trip.
Whether you’re building an emergency fund, saving for your next vacation, or simply making your money work harder, Symphony helps every dollar go further.
Earn in cash, points, or both.
Unlike traditional savings accounts, Symphony lets you choose how your rewards are paid.
100% cash interest
100% travel points
Or any mix of both
Change your rewards allocation anytime to match your goals.
Turn savings into travel
Your points can be transferred to participating airline and hotel loyalty programs, helping you book flights, hotel stays, upgrades, and unforgettable experiences.
Instead of earning rewards by spending more, earn them simply by saving.
Why people use Symphony
Earn a fixed 5% APY on your savings
Earn points on every dollar you save
Transfer points to airline and hotel partners
Choose cash, points, or both
Fast deposits and withdrawals
No fees or minimum balance requirements
Built with security in mind.
Your money is protected through multiple layers of institutional-grade security, independent custody partners, smart contract coverage, and additional reserve protections designed to help safeguard customer assets.
Limited Time Offer: New Member Welcome Bonus
New members can unlock +100,000 bonus points when they start saving.
Download Symphony today and discover a better way to save.
Terms and eligibility requirements apply. See symphony.io for more details.
Of the various options to make your money work for you in a simple, intuitive manner, the Symphony High-Yield Savings App completely stands out. Setting up custom savings goals are incredibly straightforward, and you can watch your money grow fast with their 5% APY! The best part is earning reward points just for building savings, which can actually be redeemed for flights and dining. It is secure, user-friendly, and very motivating. Highly recommend to anyone looking to level up their finances!
First innovation on a savings account in decades
Johannes Amade
This is the first app I've seen where you earn credit card points by literally just SAVING money and the 5% interest on top is higher than most traditional high-yield savings accounts. I’ve been a credit card points guy for years, but the model is broken - you have to spend more to earn more. Symphony flips that entirely and lets me accrue points by doing nothing
User friendly
Hhduly
The app is super easy to use, down to the graphics, charts, info buttons, etc. Setting up my account and connecting my bank was very smooth and I clearly understood what my money will earn over time as well as the points aspect. Super excited!!
Travel free just by saving
Ianrh1
I have never seen anyone else offer this. The ability to earn travel points and rewards for saving is such a novel and great concept. App feels super smooth and nice to use too and super easy to book flights and hotels in the app with the points earned.
What’s new in 1.0.24:
- Added a welcome bonus program explainer
- Added automatic offline connectivity detection
- Expanded recurring deposit tier benefits and reward details
- Improved onboarding copy, KYC flows, and overall visual polish
Version 1.0.24
The developer, Symphony Labs 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 Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contact Info
Identifiers
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Symphony Labs Inc.
Size
136.2 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPad Requires iPadOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
