Acorns: Invest Spare Change 4+

Investing. Banking. Growing

Acorns Grow Incorporated

    • Free


Acorns helps you invest and save for your future. With over 20 million downloads and $15+ billion invested for our customers since launch, we are an ultimate investing and money-saving app. Get started in minutes, and give your money a chance to grow in the background of life.

“Investing is now made for everyone.” - Forbes (1)

Invest, save, learn and grow with Acorns. Receive the tools to help your money grow.

+ INVEST FOR YOUR FUTURE - Invest spare change with automatic Round-Ups®, and invest money in the background of life with recurring investments. Your money is automatically invested into one of our diversified, ETF portfolios, built by experts and recommended for you. Plus, easily personalize your investments with a Bitcoin-linked ETF and a Custom Portfolio option which allows you to invest in stocks from a list of 100+ public U.S. companies. At Acorns, we keep diversification in mind with the belief it can help you make the most of your money.

+ INVEST FOR YOUR KIDS - With Acorns Early, you can start investing for the future of your loved ones. Our UTMA / UGMA investment account for kids features custom Earn rewards and education for families. Invest automatically into a diversified, ETF portfolio, built by experts.

+ INVEST FOR RETIREMENT - Save money for retirement with our easy IRA investing options, featuring SEP, Traditional, and Roth plans.

+ BANK SMARTER - Get an Acorns Checking account and a heavy metal debit card that invests your spare change when you spend and automatically invests a portion of every paycheck. Get paid up to 2 days early when you set up direct deposit with Acorns Checking. Set an Emergency Fund goal and automatically start saving a piece of each paycheck for those surprise expenses.

+ EARN REWARDS - Shop 15,000+ brands and receive bonus investments and exclusive deals on your favorite brands. Search millions of jobs in our Job Finder, and earn exciting, limited-time referral bonuses of up to $1,200. The more you earn, the more you can save and invest! Plus, try our Acorns Earn Safari Extension to easily, automatically earn rewards while you shop from your Safari browser on your iPhone.

+ GROW YOUR KNOWLEDGE - Custom financial literacy content right in your app. Learn how to grow your money, investment and savings strategies, and more.


MISSION: With benevolence and courage, we look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing.

INVESTING PHILOSOPHY: The time-tested power of compounding, diversification, and sticking with it gives your money a chance to grow long term.

BACKED BY: Investors like Blackrock, PayPal, Dwayne Johnson, and Ashton Kutcher.

SECURITY: Acorns Securities, LLC is a member of SIPC. Securities in your account are insured up to $500,000. For details, please see SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. Acorns checking accounts are FDIC-insured up to $250,000 through Lincoln Savings Bank or nbkc bank, Members FDIC, plus fraud protection, 256-bit data encryption, and all-digital card lock. Learn more about how FDIC protection works at


Starts at $3 a month.

We bundle our products, tools, and education into straightforward subscription tiers so you can stay focused on investing for the long term.

From acorns, mighty oaks do grow. Download Acorns now and grow your oak!

Disclosures are available in the images above and at


What’s New

Version 4.47.0

Our team's been working hard to find efficiencies in the app. We hope these updates help you grow your oak!

Ratings and Reviews

4.7 out of 5
861.1K Ratings

861.1K Ratings

luisjr87 ,

No Feedback on Account Setup

Acorns has since solved my problem, turns out they were simply experiencing a serious backlog to new accounts looking forward to the weeks ahead to see how much I can round up on my card transactions.

—— old review below—-
Like everyone I was very excited to start rounding up sadly I never had the opportunity to experience any of the feature sets Acorns has to offer. The account setup was pretty easy and enjoyable although finding out after signing my certificate that it still would take 1 - 3 business days to verify my account was a bit disappointing but I get it. Here is where Acorns fell short, till this day 5 days later it still says I need to wait 1 - 3 business days for my account to be setup, uh hello it’s been 5 days! Like any American on day 3 I picked up the phone and called support, I was on the phone for about an hour before I got disconnected due to interruptions in service. I also tried email support but have heard nothing, no confirmation to my email over my support ticket nothing, maybe somethings up with my email but at this point I would prefer to speak with a human being and I think any service offering to make transactions from your bank account should support quick and easy customer service. I am open to changing my review if I ever get any support to rectify this rogue issue.

Developer Response ,

Hi there, we are very sorry to hear about your experience and we'd like another chance to assist you with your account. Please email us at at your earliest convenience.

Alex Beckett ,

Great for Investing - Spend is garbage

I like investing on here. Yeah, savings are mainly through round-ups, but I’ve saved a lot. The spend account, however, neither makes sense nor connects to anything within Acorns. You would think you could just move money between your other accounts but it really is just a one way bank account. So I have no idea what the point is. Most people signed up using another bank. If you withdraw funds they go to that bank. You can’t even move invest funds to spend. It seems like they will send you plenty of notifications about your unused spend card but not explain that it is a separate bank account that cannot be linked to your other accounts in any seemingly useful way.

Edit: I did talk to customer service again and figured out what was making spend more difficult. It might be a decent primary checking account, but I won’t be using it for that.
One thing I do like is that round-ups are easy. The other thing, which is easy to forget, is that Acorns will alert you when outside funds are low and pause investments, even when your primary bank doesn’t. Customer service is good, and aside from that time when everyone thought Acorns was hacked and started freaking out because the app kept closing, logging you out, or saying your login info was wrong, it’s been pretty solid. I lost a bunch of funds when Covid tanked the economy but I’ve mostly gained it all back. Probably from spending money to live, but that’s neither here nor there.

TeaCup Velvet ,

Unnecessarily Complicated

I am not going to pull any punches here. If you are looking for a 2nd chance banking option or the best of both worlds you will not find it here. Take the Banking off of the featured products and this app will please you. Acorns IS NOT A BANK. You can do no banking here whatsoever, there is no documentation or literature to explain how this thing works. I have had this app for almost a month and I cannot perform any checking account actions. You need a bank account for this app to do anything. What??? So wait. You need a bank for your banking app? That is because you cannot fund it any other way because it uses your bank account to syphon funds from it. How much it takes from you account, when and how often is complicated to understand and you can easily accidentally transfer too much, overdraw your account and good luck reversing it as these things take forever. Check deposit? Not happening. Bill pay? Not happening. Loans or credit card options? Not happening. Instant transfers? Not happening. All you get is “feature not available” so you figure we’ll let me complete this milestone or maybe when the card comes it will work. Not happening. This app dangles carrots and nothing more. It explains nothing, provides you with nothing it just takes and takes and buried it in the app. If you have money and time to waste on an app that looks like a duck , quacks like a duck but isn’t close to being a duck, you have it here.

Developer Response ,

We are sorry to hear about your experience and would like to look into this for you. Please contact our support team at: or by phone at (855) 739-2859.

App Privacy

The developer, Acorns Grow Incorporated, 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:

  • Purchases
  • Identifiers
  • Usage Data

Data Linked to You

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

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

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

  • Location
  • User Content
  • Search History
  • Diagnostics

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

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