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Welcome to a fairer, more human face of finance.

Worthy helps you save and grow your money — and do it in a way that better aligns with your values and lifestyle.

Proceeds from your purchase of Worthy's 5% fixed interest bonds are used to help fuel American small businesses. Imagine that — putting your money to work by supporting your fellow humans.

Here's what you can expect:

- securely connect your bank account via our Instant Account Verification process or using microdeposit verification;

- set up recurring investments to put your investment on autopilot;

- activate automatic round-ups and watch your savings grow effortlessly, as you keep your spending habits;

- withdraw your funds when you need them, without penalty.

Get started on your way to higher returns!

Worthy is not a bank and investments in Worthy Bonds are not bank deposits. They are not insured by the FDIC. Investing in Worthy Bonds involves risk of loss. You should always carefully consider investments in any security and you should be comfortable with your understanding of the investment and its risks.

What’s New

Version 1.0.98

Hello Worthies!

In this update we have improved linking and reconnecting your banking institutions through Plaid.

Any time your bank account becomes disconnected you wil be notified and an easy reconnect flow will be offered to you on next login.

This improvement will also make it easier to add Capital One accounts.

Worthy On!

Ratings and Reviews

4.0 out of 5
116 Ratings

116 Ratings

eternalconfusion1 ,

Great Way to Save

I like the principle behind these bonds and it is an easy way to invest and receive a good return. My four rating has mostly to do with app performance.
There are a few things with which I have issues. For me, using an iPad/iPhone, the app will show blank when I open it so I end up deleting the app and reinstalling it. It appears to work the first time after reinstalling but then is blank again when I try to open it a few days later. I usually then go out to the website where everything seems to work OK.
I would like to be able to identify when a transaction is a round-up, recurring, or interest related. Used to be able to identify this by looking at the transactions but that seems to have been changed unless I’m missing something.
I would like to be able to sign into the app with a pin or Face ID.
I would also like to be able to have more than one monitoring source.
My contact with this group when asking questions has been great. They are helpful and friendly. I like that I am notified when a transaction has been started.

small hobbit ,

App is clearly just moblie site

And because it’s just the mobile site in an app wrapper it’s got TONS of breaking bugs. I can’t reach the support page at all (scrolling on it turns into a blank page), it constantly and rather inconsistently logs me out, and it’s hard to tell what’s interact-able and what isn’t (especially since some of the text ends up being huge and the screen has to be scrolled to view everything) It seriously feels more like a mobile site than an app, even if this was the design for the app.

EDIT: Even worse; it’s just the website. I decided to try to go to their website from my desktop today to just see how it looks, just as badly formatted mobile site looking as the app. Not professional in the least, which isn’t good for a financial app. There’s nowhere on the site to contact support (you have to go back to their main page for that)
I’m going to wait for the one transfer I made to finish and then I’m shutting this account. If you’re running a financial site, do it professionally, please.

MB7524 ,

Phenomenal Product!!!

I have been using Worthy for over a year now and I’m amazed at how simple Worthy has made the seemingly complex topic of bonds. Put your money in, take it out at any time, no questions asked. Plus earn 5%. That’s it. Beats any bank for short term savings funds.

They have an auto-deposit feature that you can set and forget. There really is no downside, as they invest in the safest type of bonds and have extremely low risk. They’ve figured out how to help both consumers and small businesses. Five stars. Great work, guys!

My only offer of feedback - I realize due to the nature of SEC regulations, you need to separate funds. That said, can you create a total at the bottom that adds those three totals together in the app? I’d like to see my overall holdings much easier. So essentially, create one more button below the other three funds that gives me my total? I’d love that!

-A proud bond holder

Developer Response ,

Hi there! Thanks for reaching out! Our tech team is currently redesigning the framework of our application and plan to include a section that shows the total entities portfolio value. We will send out a mass email once our updated application is live. We appreciate you coming to us with the suggestion!

App Privacy

The developer, Worthy Financial, 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 Linked to You

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

  • Financial Info
  • Identifiers

Data Not Linked to You

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

  • Usage Data
  • Diagnostics

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


  • Family Sharing

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

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