Qapital is the only mobile banking app that lets you save smartly, spend happily, and invest comfortably with intuitive tools that make it easy to take control of your personal finances. We’re committed to making money work for our members, not the other way around. And with more than 8,000 five-star reviews, we’re pretty sure we’re on the right track. Last year, our members saved an average of $1,500*. What would you do with that extra cash?
Automated saving so you can get more done
With personalized savings Goals and automated savings Rules, you can save money without thinking about it.
Purchases and other transactions made from your connected accounts and cards automatically trigger savings Rules, getting you closer to your Goals.
Choose from any number of free in-app savings Rules or customize your own Rules with our IFTTT integration (we have a few to get you started).
Once your Goals and Rules are set, you can watch your savings grow in real time.
A checking account that helps you keep more of your money
Our checking account skips those traditional bank fees. There are no low balance, overdraft, or foreign transaction fees. Instead, you get a brand new Qapital Visa® Debit Card** to help you save while you spend.
Transfer funds instantly between your Qapital Goals and Spending account, and benefit from a Spending Sweet Spot that helps you stay on track and reach your goals.
With Qapital Spending you’ll get:
- Direct deposit
- Interest on all of your accounts
- Weekly Insights
- Automatic bill payment
- Mailed checks
- Purchase notifications
- In-app temporary card lock
- Ability to set & reset your pin
- More to come!
Personalized investment options to help you build more wealth.
Investing is now just as easy as saving with Qapital Invest. You can earn more toward your long-term goals with personalized portfolio recommendations based on your risk profile. We monitor your account, reinvest dividends, and rebalance your portfolio based on changing market conditions so that you don’t have to.
Just set your Rules, spend happily with your Qapital Visa® Debit Card, and watch your investments grow.
A better way to budget with Spending Sweet Spot and Payday Divvy
With Payday Divvy, you can pay yourself first by setting aside money for your expenses, your Goals, and your everyday spending as soon as your paycheck arrives.
Use Spending Sweet Spot to find a budget for all of your weekly expenses, become mindful of where and how you’re spending, and use that insight to find a spending amount that makes you happy.
Bank level security and protection with you in mind
With 256-bit encryption, overdraft protection and FDIC-insurance up to $250,000, your money is safe at Qapital.
A new banking experience, intelligently designed for you
Find your financial balance by using Qapital to help you save more, earn more, and reach your goals faster. Join our community of members dedicated to becoming their best financial selves.