Qapital: Set & Forget Finances

Qapital

About this app

Get your money off your mind with the Qapital app; a suite of set-and-forget money tools that make financial decision-making easier on the brain.

Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with.


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Qapital offers a robust set of automated money tools. Use them to build a personalized system that works for you.

1. Save & invest automatically
Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you.

2. Set unlimited money goals
Set as many goals as you like, personalize them, move money to them automatically, and track your progress as you go.

3. Budget instantly every payday
Payday Divvy automatically divides up your paycheck between short and long-term goals, bills, and discretionary spending.

4. Spend smarter
Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget.

5. Invite a partner and team up on your goals
Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always.

Legal disclosures
QAPITAL, QAPITAL INVEST and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2024 Qapital, LLC. All Rights Reserved.

Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank.

Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC.

Ratings and reviews

Update: The app constantly shows the wrong balance. Not a question, that hasn't been true at all and I've been using the app for a long time. One should be able to pause saving rules until one chooses to resume them, not just for 7 days. They also say it takes about 2 business days to transfer money from your bank to the app, however it actually takes like a week, no matter when you decide to transfer. It's difficult to manage your money when you're waiting for them to transfer it for that long.

This app had a great, very intuitive UI initially, and as companies do, they changed it just to change it. In this process, it overcomplicates what were once very simple tasks and makes the main page way too busy. Why take away the front page "add a goal" button? Why take away card settings? Why push to have your customers rely on a terrible chat bot to perform actions rather than leaving the physical abilities within the app? Also, the design is now ugly. It used to be so inviting. Ridiculous.

While it was easy to start, I wanted to see the interface FIRST before adding my banking info. As a person with low vision issues, I need to see if it is easy for me to look at, and/or is pleasant (like the font size may be great; the sisplay itself is harsh white-even with adjusting my phones settings. ) Setting and forgetting a display that's too dark on an app, and then leaving the app and getting highbeamed is NOT a fun experience,lol. I suggest a trial option that shows ur product.

What’s new

This week’s release includes bug fixes, general usability upgrades, and design enhancements.