Qapital: Find Money Happiness

21K reviews
Editors' Choice
Content rating
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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
Jul 1, 2022

Data safety

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21K reviews
E Lyons
June 19, 2022
The idea behind this is very great. You can set up all sorts of savings rules. You can even get a debit card. I also like how you can set up a team with another user. I want to like them but I keep getting bugs. First my bank kept on disconnecting. Now for the last week I keep getting errors when opening the app. Hopefully these get sorted out. I'll continue using but it's hard to use with these glitchs. To their credit their support has been nice and helpful when I've reached out.
10 people found this review helpful
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Eileen Stewart
June 17, 2022
I really enjoy this app. It helps you save money without making any excuses BUT my bank has been disconnected the last few days. I've made several attempts to reconnect it but I'm getting an error message each time. I've uninstalled and reinstalled the app and that hasn't helped either. It would be nice to receive a heads up when the app isn't working properly.
7 people found this review helpful
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Qapital, LLC
June 17, 2022
Hello, we're sorry to hear about the issue you're encountering. We're unable to locate your account based on the information in this review. Could you please send an email to with "App-review" in the subject line, so we can take a look at what's going on? Thanks so much, and we hope to get this resolved soon!
cherry pita
May 8, 2022
UPDATE 5/8/22: huge improvements. I'm very satisfied. After last rating they seemed to get on it & soon after many fixes were made. I'm hoping they stay on path & keep improving app without messing it up like some tend to do . Deleted original review for this updated review. As of 3/11/22 app will not open. Crashes every attempt. Cleared cache, uninstalled and reinstalled and still cannot access. Very irritating that I cannot access my saved funds especially right now that I NEED to transfer.
22 people found this review helpful
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Qapital, LLC
March 15, 2022
Hi there, our development team has implemented a fix for this issue for you should be able to access your Qapital account now! If you need help in the future feel free to reach out to our support team at!

What's new

Besides squashing a few bugs, we've been working on cool features we're going to tell you all about very soon.