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

Great concept and on app option, but quite buggy. I've had so many problems with it. Also, their overdraft protection is VERY strict- and the account transfer takes AWHILE. So p much your money won't move anywhere even if you have it. Also, the app keeps saying that it's outdated, and to update it. But then it doesn't let me in the app. Needs to be workshopped.

Updated to reflect changes: PayDay Divvy is the CORE of this app. Set your categories, allocate funds, and let it do it's things. This is arguably the best finance app when partnered with a solid budget spreadsheet. Having a smart Debit Card is a huge bonus. However, Qapital could do with better support articles, customer service (please stop the copy-pasting from the help articles we have already read), and customization of the home screen.

Saving up for an engagement ring. I set up rounding to the next $2 and saving $10 a day. I can already see the $$ stacking up and I don't get that guilt of not taking care of my finances. It can customize the picture of the goal u want and the entire concept I think is much more of the why of saving up money. I actually tell my friends about this app. It helps me keep more money in the account. update: sucesss she said yes

What's new

This week we’ve added EARLY DIRECT DEPOSIT to the newly redesigned Qapital app. Now Qapital Spend account holders can access direct deposit funds up to 2 days early. (These funds are generally available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.)