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.
We want you to get the most out of your money, so we’ll now let you know when you create a Savings Goal that’s eligible for investing. Investment Goals are a great way to give your savings a little boost. We’ve also packed this release with bug fixes and general performance improvements.
Ratings and Reviews
Great tool to learn how to save
I used to blow through my paycheck because there was money left after bills were payed and I’d just figure, “Hey, I can spend that on whatever I want, right?” It only took one or two unforeseen expenses for me to feel the pain of that decision. I started trying to hold back a portion of each paycheck in my checking account, but would occasionally lose patience and dip into it. I knew I needed a separate account that would help me safeguard my savings from frivolous purchases, somewhere along the lines of the old “out of sight, out of mind” principle. Qapital allowed me to start saving without having to think about it. I initially used it to build an emergency fund. Within a month I had a fully funded emergency fund and I didn’t have to do anything except set up some saving parameters. Then I used it to save towards a vacation. In a year I had enough to fund a family vacation, and once again I never had to think about it. It’s the Ron Popeil plan to savings, just set it and forget it. By setting it up to round up daily purchases and automatically withdraw 10% of my paycheck, I managed to amass over $10,000 in savings during my first year and a half. If you’re not good at ripping off that bandaid and cutting off a chunk of each check to stick into savings every month, this is the tool for you. And it’s very easy to set up and use, so it takes no time at all to get started and get on your way to saving towards a goal or to build wealth.
My 6 week experience with Qapital
I had been thinking about a way to be able to save money exactly this way I had really wished my bank did something like this but unfortunately they do not. So I came across Qapital and it sounded great. I was very skeptical bc this is my money we are talking about! I did a lot of research for a good year before I felt comfortable enough to finally download the app and give it a chance. I am really glad I did bc it’s been almost 6 weeks and I’ve already saved 363$! I started this savings for extra spending money for my upcoming anniversary trip to Las Vegas, at this rate by the time we go in a few weeks I should have at least 500$ extra to take with me! I am not good at saving at all so this has been awesome for me. I couldn’t of been able to save like this on my own so I’m very happy with the app so far! Only thing I would change but isn’t really a big deal is that they would take the money out at the time of transactions and not in batches a few times a week which like I said isn’t a big thing but I would change that if I could other than that I give it 5 stars so far! Hopefully that doesn’t change in the future but so far so good! 👍
Update: So I’ve been using Qapital for about 6 months now and I’m loving the app it has been a lifesaver for me!
This app can be great
I used this app for about a year. And it did serve it’s purpose for me and well! I hate to be the kind of person to leave a negative review but at this point I feel like I’m out of options. There is no phone number to contact them so you have to contact them through email only. I closed my regular bank account and opened with a credit union so I needed to change my funding account. So I filled everything out that I needed to fill out but no matter what I did I could not connect my bank on the app. Response time was extremely slow and honestly not helpful at all. I basically was just told to “try again” multiple times. Well it never worked so seeing as I can’t transfer money over to them I asked to close my account. It took a week for them to respond and no questions as to why or if I was unhappy with the app. The woman I spoke to didn’t even take the time to check my account to see what type of account I had that I wanted to close. When I confirmed I wanted to close my spending account she replied immediately that she closed it and sent the money to my bank. But since my bank never connected I don’t know what bank she actually means? The response time is just so slow and so frustrating. When you’re dealing with peoples money customer service is a big deal. But like I said this app is great for saving money and what it’s meant for. But if you have an issue that you need resolved good luck.
Developer Response ,
Hi Julie. I apologize for any issues you experienced while using Qapital and any misunderstanding that took place when deleting your account. We have sent you a follow up email from our support inbox, so please feel free to reply if you would like to discuss anything further. We would love to get you back on track with saving!
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Get things done within this app using just your voice.