Finch – Invest with cash back‪!‬ 4+

Build wealth (not debt!‪)‬

TRIO Financial Technologies, Inc.

    • 3.9 • 84 Ratings
    • Free

iPhone Screenshots


The Finch Rewards card builds wealth, not debt!
Start investing with up to 5% cash back on all your purchases.
No Credit Checks | No APRs | No Hidden Fees | BYO Bank


Finch links to your existing checking account and earns you up to 5% cash back on all your purchases. The difference? Your cash back is automatically invested to help your money grow!
There are no credit checks, hidden fees, or APRs.


No Minimums
Commission free investing
Free bank transfers
No added fees for foreign transactions
Free withdrawals at over 55k ATMs
Enhanced card security
Backed by a FDIC insured bank
Backed by a SIPC insured broker dealer


*Purchases refer to net purchases (purchases minus any credits or returns). Purchases do not include ATM withdrawals or cash transfers.

This app is operated by Trio Financial Technologies Inc., doing business as ‘Finch’. Advisory services are provided by Trio Advisors, Inc., doing business as Trio App Advisors, Inc. an SEC-registered investment adviser.

The bank services are provided by Synapse’s bank partners, Members FDIC. The Finch Mastercard® Debit Card and Finch Mastercard® Credit Card are issued by our partner bank pursuant to a license from Mastercard International Incorporated.

Improvement in your credit score is dependent on your specific situation and financial behavior and results are not guaranteed.

Trio App Advisors, Inc. works with a partner broker, Apex Clearing Corporation, who is a member of FINRA/SIPC, which protects securities of its members up to $500,000 (including $250,000 for claims for cash). For details, please see Any uninvested cash or investment allocation to the Finch cash sweep is swept into an interest-bearing FDIC-insured deposit account opened by Finch's partner broker at a participating bank and is eligible for FDIC insurance up to the standard limit of $250,000 per account holder, per institution. Non-deposit investments are not FDIC insured and may lose value. Investing involves risk including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Finch’s pricing before investing. Past performance does not guarantee or indicate future results. Please visit for a complete set of disclosures.

What’s New

Version 3.0.31

We made our registration process (even) easier!

Finch links to your existing checking account, lets you earn up to 5% cash back on all purchases*, and auto-invest to help your money grow.

Ratings and Reviews

3.9 out of 5
84 Ratings

84 Ratings

RexManes ,


A couple questions: I’m excited to start my journey with finch but the app seems to be stuck on Activate Card. When I click it says “card processing. Check back in a few minutes”. It’s been saying that for days. Is a card on its way in the mail?
Also, when I go to Email Support it says email not set up, but there is an email listed on my account profile.

Developer Response ,

Hi there, we're sorry you're having trouble! We recently released an update that resolves the card issue. When you install the newest version and accept the agreement, just give it a couple of minutes and you'll be able to activate your Rewards Card. Please email us at if you have any trouble!

061900 ,

Literally the best

Update: I need to update this review because this app got even better. I get 5% cash back on ALL of my purchases. That’s top notch stuff right there! And the things they have on their to do list make this app more than competitive with other neobanks/fintechs out there. Still a 10/10, I recommend it to everyone I know because of just how good it is.

The ONLY negative thing I’d have to say is that I wish my money didn’t have to be invested in stocks/bond(etfs). I’d like to either not be invested at all, or be invested into something very low risk and consistent that’s un-correlated to the stock market due to its recent volatility. And that’s honestly not enough to prevent me from using the app, not even close to enough to prevent me from loving it.

Original: The returns are daily and amazing. For reference, I went for a mostly growth strategy (60% growth, 30% bonds, 10% cash) and I put in $210. I’ve gotten as high as $0.43 in a day, typically making under $0.10 a day. While it’s not much, it could end up buying me a donut at the end of every month. It’s honestly so worth it to open a Finch account. Their website also has a ton of useful articles. TL;DR Get the app, it’s a 10/10 experience all the way around

Developer Response ,

We're so excited about your daily returns! This is one of our team's favorite features. 🙌

JREdwards ,

Be warned.

I’ve invested a few times in this app.
$3000 before they kept misplacing $500-$900 a day. Gave them a second chance with $10k and $5,000 got hung up in their system because it couldn’t be processed from a new update. A month and a half for my refund and lots of nagging from me. They gave me $1000 on random days over two weeks. Probably collecting money from my “lost funds” while I gained nothing.

Be warned. You can be cut off at any point because at this point they can’t guarantee your access.
Be warned. Before the daily updates being listed you could lose money very easily. Without screenshots as proof and several conversations including the staff still questioning your honesty they’ll DECIDE if it’s a cause worthy of correction (I always got my funds back).
Be warned. Sorry credits of $20, $30 and whatever they’re offering will always go back to them so don’t feel this means anything.
Be warned. Watch this app closely if you decide to invest. They will lie. They will use its infancy as an excuse. They pretend to be a great alternative banking but they are just like any other shady bank that cares only about their profits.

App Privacy

The developer, TRIO Financial 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:

  • Contact Info

Data Not Linked to You

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

  • Financial Info
  • Identifiers
  • Usage Data
  • Diagnostics

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


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