UNest: Investing for Your Kids

In-app purchases
2.57K reviews
Content rating
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About this app

Imagine a brighter future for your kids, then take the first step in building it with UNest. Make bi-weekly or monthly contributions to your child's account and earn money from the brands you love when you shop.

UNest makes it easy to build a solid financial foundation. With a custodial account, smart investing tools, and a variety of options, we help you manage your family finances effortlessly.

A UTMA is the basis of every UNest account. This allows the funds you save to grow tax-free for the benefit of your child. In addition, the funds you've invested can be withdrawn and used for any child-related expenses without penalty.*

With our relentless dedication to building a safe and secure investment app, you can rest easy and focus on what's truly important to your family with UNest.


Make recurring contributions, track your investment growth, and choose from a simple selection of investment options.

Stash more cash right into your child’s account simply by shopping at the brands you love. Earn rewards & discounts when you purchase products from within the UNest app.

Invest safely thanks to our industry-leading, bank-level encryption that helps keep your financial data secure.

Life getting in the way? No worries. Make free withdrawals for child-related emergencies* or use funds for any child-related costs such as college tuition or a down payment.

$4.99/month or $39.99 for an annual membership. Depending on your tax situation, your account may enjoy tax benefits.

Download UNest and start building your child’s financial future today! If you have any questions, don’t hesitate to reach out at support@unest.co

* Funds may be subject to capital gains tax



Any and all offers related to cryptocurrency are made by UNest Crypto, LLC. This is not an offer to buy or sell any securities or invest in any particular strategy. This offer is not affiliated with UNest Advisors, LLC or UNest Securities, LLC.

Cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance. Crypto Investing involves significant risk, including but not limited to market swings, and flash crashes. Cryptocurrency markets and exchanges are not regulated with the same controls and protections as equity trading. UNest Crypto accounts are not UTMA/UGMA’s. They are individual accounts in your name and are treated as such for tax, reporting, and legal purposes.

Other investment charges may apply. Please refer to the Program Description for more details: https://unest.co/iaa
Please refer to the UNest Terms for more details: https://www.unest.co/terms
Updated on
Jul 3, 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
Location, Personal info and 5 others
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

2.52K reviews
Barbara White
October 6, 2022
I wish we could navigate the app and see how we like it before jumping into creating an account and giving personal info. The way it's set up atm makes you feel trapped/locked in......you have to continue w the account set up before being able to do anything. Also, I ended up having to close my account due to the minimum monthly amount being outside my budget. If we could adjust that to any amount then I'd reinstall. I also wish we could earn points/money somehow (the way other apps do)
87 people found this review helpful
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October 3, 2022
Hi Barbara, thank you for your valued feedback! Our product team is working on making improvements to the onboarding experience in the coming weeks related to this. In the meantime, you are welcomed to sign up and have your account in a paused state until you are ready to start. Please reach out to support@unest.co and we will be happy to help!
Britt Sallee
March 22, 2023
I really, really love and appreciate this app.... I set up an account with the intention of accumulating savings for my daughter... Funds are pretty tight. literally paycheck to paycheck- so it's not easy to put back money .... But the beauty of this app is that it autodrafts a little bit from all of my deposits (on a basis I prescheduled).. I have already accumulated a couple hundred dollars in a few months time, effortlessly. By the time she is able to access it, it's gonna be racks on racks!!
23 people found this review helpful
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Steven Rice