Save effortlessly, spend guilt-free, and invest confidently with Qapital... it’s mobile banking made smarter. We make it easy to take control of your money with automated budgeting and smart spend tracking tools anchored in behavioral science.

5 reasons to download Qapital:

- Automated savings: with personalized Goals and automated savings Rules, our savings manager allows you to save money without thinking about it. Choose from any number of free in-app savings Rules or use our integration with the Apple Health app to save money toward your Goals when you reach your target for Walk or Run Distance, Steps, or Workouts. You can also customize your own Rules with our IFTTT integration (we have a few to get you started).

- Checking account without traditional bank fees: forget about low balance, overdraft or foreign transaction fees. Instead, get a brand new Qapital Visa® Debit Card* with your checking account to help you save while you spend.

- Invest confidently: start to invest, and get personalized recommendations based on your risk profile. We’ll monitor your investment account, reinvest dividends and rebalance your portfolio for you.

- Budget easily: a pillar of personal finance is "pay yourself first." Set up automatic transfers from your checking account to your savings Goals on payday and allow yourself to forget about it entirely.

- Spending tracker: check out our Spending Sweet Spot feature - a smart money manager that helps you decrypt your spending habits. Discover how you spend, and you'll learn where to save.

Qapital is a different kind of banking and personal finance experience, with tools anchored in behavioral economic principles. Find money happiness by using Qapital to help you save more and reach your goals faster. Join our community and find yourself among people dedicated to becoming their best financial selves.

Our spending tracker will help you discover your habits when it comes to personal finance. The savings manager allows you to save money without thinking about it. You could save automatically every time you spend! 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. Before you know it, your Facebook fixation and Uber usage could be saving you money!

Investing in the stock market can be intimidating, but it's a great tool to have in your personal finance arsenal. Start investing with Qapital Invest with our personalized portfolio recommendations. We monitor your account, reinvest dividends, and rebalance your portfolio based on changing market conditions so that you don’t have to.

Transfer funds between accounts in an instant, and enjoy these in-app features:

- Direct deposit
- Weekly Insights
- Pay bills
- Send checks
- Purchase notifications
- In-app temporary card lock
- Apple Pay
- More to come!

Nothing herein should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Qapital Invest LLC (“Qapital Invest”) is registered with the SEC as a Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice.

Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. This content does not constitute a complete description of Qapital Invest’s investment advisory services. Brokerage services will be provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC.

QAPITAL, the QAPITAL and Q logos, and SAVE SMALL. LIVE LARGE. are all registered trademarks of Qapital, Inc. Copyright © 2020 Qapital, Inc. All Rights Reserved.
* Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC

What’s New

Version 2.153.0

We’ve fixed a few bugs and other issues to keep everything running nicely.

Ratings and Reviews

4.8 out of 5
71.9K Ratings

71.9K Ratings

rjfskelt04 ,

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!

Juliereneewolf ,

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!

Itizmemikeyc ,

So far so good...

All I can is so far so good. Saving isn’t really a strong suit of mine, so I saw this app and thought I would try it. I did a lot of reading on forums and just reviews of the app and was assured that it’s not a fake site since it is backed by Wells Fargo Bank. The first week I signed up I had my water heater go bad on me and I needed to replace it. I added the Lowe’s account as one of my guilty pleasures and then I started to save. I started to save by rounding up and also by charging myself $2 extra everytime I made a purchase. Needless to say I had to make a total of 3 trips to Lowe’s land a minimum of $6 I saved. That is not including the round up part. I use my debit card on just about everything, I very rarely carry cash. Soo everytime I make a purchase I save a little. Yes it does come out of your bank account, the app isn’t giving you the round up money, so make sure you keep a little more in the account to compensate for a little more being deducted when you make a purchase. The app is pretty cool... I also have their debit card that I can use to make purchases. Tells you where you saved and where you guilty pleasure was used. I would recommend it and have to a bunch of friends that have already signed up. I would have given the app a 5 but haven’t been using it long enough to get the full experience. I will do another review in a couple months.


Qapital, Inc.
153.8 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


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