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Simple is one of the first mobile banking apps that has helped customers budget and save since 2012.

Budget and save with no hidden bank fees, with balances in Protected Goals Accounts earning a competitive interest rate.

Every aspect of a Simple checking account is optimized for branchless online banking, budgeting, and saving, so you can track spending and manage your money wherever you happen to be. Simple is personal finance made easy.

Without setting foot in a branch (or a bank stuffed into an ill-fitting mobile app), you have access to:

- Built-in budgeting and saving tools
- Visa® Debit Card
- Certificates of Deposit
- Photo Check Deposit
- FDIC-Insurance up to the legal limit
- Direct Deposit
- External Account Linking
- Instant Transfers to Other Simple Customers
- Third-Party Payment services like Square, Venmo, and Paypal
- Block your card in the app if it's been lost or stolen

Simple Goals
Use Goals for saving money: Stash away money for the unexpected, or automate saving for things you want. From a trip to Italy to a new bike. Open a separate Protected Goals Account to keep money tucked away from spending while earning a competitive interest rate.

Simple Expenses
Set up your Expenses one time and going forward, we'll do the rest. When you pay your rent, your Expense is already saving money for next month's bill. Yep, it's our job now. (You can even split Expenses with a partner when using a Shared Account).

No-Penalty Certificate of Deposit
Put your savings to work for you! Simple’s No-Penalty CDs let you lock in a rate that guarantees growth for your savings—so you’ll know exactly how much your deposit will earn. And a No-Penalty CD gives you peace of mind when stashing your cash.

Spend money spontaneously, without derailing your budget or bills (or doing the math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have left over to spend on whatever you want. (Buy the shoes!)

Shared Accounts
Earn interest with whoever you're interested in: When it comes to shared bills and savings goals, two paychecks are better than one! Open a Simple Shared account to tackle budgeting and save money together.

Round-up Rules
Start saving money effortlessly with Round-up Rules. Whenever you make a purchase, what you spend will be rounded up to the next whole dollar amount, and when those round-ups reach or exceed $5, that balance will be tucked away into your Protected Goals Account. It’s like a digital change jar...one that adds up to real money in the bank.

Tax Refund
Your tax refund is your money, and the IRS has been hanging onto it all year! So when you finally get it back, put it to work! Commit to saving a portion of your return before you even receive it, and when it hits your account, it’ll automatically transfer into your Protected Goals Account to build your savings and earn interest.

Banking Services provided by BBVA USA, Member FDIC. The Simple Visa® Card is issued by BBVA USA pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

What’s New

Version 2.109.2

This update contains tweaks, fixes, and good cheer!
Hello smooth(er) sailing!

Ratings and Reviews

4.6 out of 5
12.5K Ratings

12.5K Ratings

Littleone0987 ,

Love Simple!

I’ve been using Simple for about a year and I love it. I had long wished for a bank account that would help me budget like this. I’d tried using so many different apps and software and spreadsheets, but eventually those systems all fell apart. I’d have to update them all the time and would fall behind, making it take so much time to have to in and update a ton transactions and whatnot. Simple makes it… simple! The money comes in, I put it into the right expense and I don’t have to keep remembering that the balance that I see is accounted for, because the balance I see most is the safe to spend, so I always have a sense of what I really have available that is not already accounted for. It has been great!

The only thing I’m not so happy about is the dropping interest rate. When I signed up we got 2% for our savings. Now we’re at .75%. That would be all well and good, except they keep lowering it little by little which I get is supposed to be “less painful” than one huge jump, but it feels a little like being tricked to me. I’d prefer they just go right to the % that they plan on getting to. I almost thought about switching back to my old account because that really does annoy me that they do that, but the expenses and goals budgeting with the safe to spend features are just too good to give up for a small annoyance as that.

The bottom line is that I definitely do give them five stars and highly recommend.

Scdundas ,

Great Customer Service

I have been using Simple for about three years now. I haven’t had any major issues during that time. I once woke up to find I had some fraudulent charges on my account , I blocked my card and sent a message and and got a response super quick, that asked if I had access to funds until my new card came and had me call when I was at an atm so they could briefly unblock my card long enough for me to withdraw cash. This was a weekend so it took until Monday to get my new card. I love that when I sent a message I can attach the transactions in question to speed up the response, within 4 hours they had returned the money to my account, I have never had such a fast resolution to these kinds of issues with any other bank. Simple has also added features that are super helpful, the new budgeting feature works much better than the goals for regular bills. It automatically sets money aside for my bills (insurance, rent, phone etc.) and when those come due it spends from those budgeting categories. I always know how much money I have available to spend but rarely look at my full account balance but I always know that the important things are already covered without me having to think about it.
I love Simple and I tell people about it all the time. A lot of people have a hard time giving up a traditional bank, but they don’t know what they’re missing.

Bswicker ,

Wonderful Bank

I’ve been using this bank now for past 7 years. By far the best bank I have ever banked with. No annual fees, easy to transfer money from one account to another. Awesome tools built into the app to help you with your expenses, goal building, even a saving goal that is protected won’t allow money to be transferred out of unless you move it yourself. The protected savings goal even has an annual percent rate, so you can make your money work for you! Easy to contact Simple with any issues, concerns or questions. They are very fast and friendly. They even have articles on how to save money, plan what to do with your money. To me Simple isn’t just a bank. It’s makes money management super easy and helps you de stress about your finances. If you have a friend who also banks with simple you can transfer money between yourselves no charge instantly. If you want to have a shared account with your partner you can even open a shared account between you two and still have your individual accounts! Plus you can connect any other bank account you have other than simple to your individual or share account. I highly suggest simple to any and everyone. I’ve seen this bank grow and improve over the past 7 years. They have outpaced their competition tenfold. Bank with simple you’d be glad you did!!


Simple Finance Technology Corp.
95.9 MB

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



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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