Qapital: Spending Tracker & Payday Savings Manager


Save effortlessly, spend guilt-free, and invest confidently with Qapital, your new mobile banking and investing solution. Discover a smart personal finance manager with intuitive tools that make it easy to take control of your money. We’re committed to making money management accessible, and with more than 8,000 five-star reviews, we’re pretty sure we’re on the right track. Last year, our spending tracker and savings manager tools helped our members save an average of $1,500*, making Qapital the ideal app for emergency savings.

5 reasons to download Qapital:

- Automated savings: with personalized Goals and automated savings Rules, our savings manager allows you to save money without thinking about it. Start saving money right on payday!
- Checking account without traditional bank fees: forget about low balance, overdraft or foreign transaction fees. Instead, get a brand new Qapital Visa® Debit Card** with your checking account to help you save while you spend.
- Invest confidently: start to invest, and get personalized recommendations based on your risk profile. We’ll monitor your investment account, reinvest dividends and rebalance your portfolio for you.
- Budget easily: a pillar of personal finance is "pay yourself first". Set up automatic transfers from your checking account to your savings Goals on payday and allow yourself to forget about it entirely.
- Spending tracker: check out our Spending Sweet Spot feature - a smart money manager that helps you decrypt your spending habits. Discover how you spend, and you'll learn where to save.

Qapital is a new banking experience, which offers tools anchored in behavioral economic principles. Find money happiness by using Qapital to help you save more and reach your goals faster. Join our community, and find yourself among people dedicated to becoming their best financial selves.

Our spending tracker will help you discover your habits when it comes to personal finance. The savings manager allows you to set your Goals and Rules, save money without thinking about it, and watch your savings grow in real-time. You could save money automatically every time you spend! Choose from any number of free in-app savings Rules, take advantage of our Apple Health integration, or customize your own Rules with our IFTTT integration. Before you know it, your Facebook fixation and Uber usage could be saving you money!

Investing in the stock market can be intimidating, but it's a great tool to have in your personal finance arsenal. We'll start investing for you 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, keep investing dividends, and rebalance your portfolio based on changing market conditions so that you don’t have to.

Transfer funds between accounts in an instant, and enjoy these in-app features:

- Direct deposit
- Interest on your checking account, savings accounts, and all others
- Weekly Insights
- Pay bills
- Send checks
- Purchase notifications
- In-app temporary card lock
- Google Pay
- More to come!

QAPITAL, the QAPITAL and Q logos, and SAVE SMALL. LIVE LARGE. are all registered trademarks of Qapital, Inc. Copyright © 2018 Qapital, Inc. All Rights Reserved.
* Average amount saved by Qapital users during 2017
** Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC
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18,526 total

What's New

In tough times, the tough get tidying. We decided it was time for a spring clean so we fixed some bugs, and made some useful improvements. Specifically, it’s now possible to see both your funding and your spending accounts in your Wallet screen. We also freshened up your Goals screen and added a handy shortcut to all our Covid-19 info. Stay well, everybody.
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Additional Information

May 20, 2020
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
Qapital, Inc.
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