Qapital: Set & Forget Finances

4.4
21.6K reviews
500K+
Downloads
Editors' Choice
Content rating
Everyone
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About this app

Your goals, our scientific approach to helping you take charge of your finances… it’s a winning combination that’s already helped more than 2 million people start their journey toward money happiness.

Using behavioural science, we’ve developed a smarter money app that helps you reach your financial goals without changing the way you live. The best part – our approach works just as well for couples as individuals.

And because we know just how hard (and boring) it is to stick to saving and budgeting plans, Qapital’s checking, saving and investing tools do the heavy lifting for you – automatically.

*****

Qapital is built on the idea that money happiness is personal. That’s why Qapital puts your Goals front and center, then helps you plan your spending, saving and investing around them. And you don’t need to give up your existing bank account.

1. Stop budgeting, start Qapitalizing
Let’s face it, traditional budgeting simply doesn’t work for most people. Life gets in the way, or we see something we suddenly can’t live without – we’ve all been there. Qapital replaces spreadsheets with scientifically designed money tools that help you take charge of your entire financial universe.

2. Pay yourself first with Payday Divvy™
The Qapital effect starts the moment you get paid – Payday Divvy automatically divides up your paycheck between short- and long-term goals, bills and discretionary spending (don’t worry, your money is always available to cover unforeseen expenses).

3. Build successful money habits that last
Big picture in place, Qapital gets to work on the details. Spending Sweet Spot makes it easy to adjust your spending week by week while still helping you save automatically toward your Goals. And it all works by leveraging the habits you have – rather than expecting you to start new ones.

Smarter checking: Our FDIC-insured checking account gives you instant access to savings balances, instant free transfers from savings Goals, a Visa® debit card that works with Google Pay, direct deposit with early access to your paycheck, and bill pay. All without any of the hidden fees regular banks saddle you with.

Smarter spending: Our smart money manager will help you make sense of your weekly spending habits. Discover how you spend, and you'll learn where to save.

Smarter saving: Set your savings Goals then use our smart Rules to save toward them automatically. You can also customize your own Rules with our IFTTT integration (we have a few to get you started). All FDIC-insured up to $250,000.

Smarter shared finances: Designed for the way couples manage money together today, Qapital Dream Team™ lets you save toward shared Goals and see one another’s transactions without giving up your individual accounts.

Smarter investing: Qapital Invest is investing for people who like the idea of investing but don’t really know where to start. Set your Goals, pick a portfolio and a timeline, and then leave the nitty gritty to us. Smart.

QAPITAL, QAPITAL INVEST and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2022 Qapital, LLC. All Rights Reserved. Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC.

Qapital Invest LLC (“Qapital Invest”) is an SEC Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Investing involves risk; you may lose money, including loss of principal. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured but protected by SIPC.
Updated on
Jun 5, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.4
21.4K reviews
Jordan Sidener
March 31, 2024
I absolutely love this bank. I've been using them since 2017 and I've never had a single problem.The app design is very thought through. Cleanly designed to make everything easy. Just set auto transfers for every bill. Then when you're ready, transfer it from that specify goal to the spending card. Having the ability to set up goals alivieates the security issue of standard banks. I keep under a small amount on the debit card so if it gets stolen, the theif can't drain the entire savin account.
4 people found this review helpful
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Erin Letterman
February 29, 2024
Where do I begin, at first I loved this app, but noticed getting a hold of customer service is IMPOSSIBLE, only though email, which is dumb, they can chose not to respond. App gets confused, Fund accounts change/switch if you have 1 or more in your bank account. They dont sync balances properly, or on time. Deposits take like 10 years to process, and reject randomly, this time, my money has now actually RANDOMLY DISAPPEARED. This is awful. Im pissed. PLEASE do not this app. I'm so done.
25 people found this review helpful
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Qapital, LLC
February 29, 2024
Hi, thanks for reaching out! We're sorry to hear about the issue you're encountering right now. One of our Support Specialists previously reached out to you via email but we have not received a response yet—please check your ticket and hopefully we can help sort this out soon.
Todd McDaniel