Qapital is still up and running, and it still does the thing it is known for: it moves small amounts into savings every time a rule you set is triggered. It is not free. Plans run $3, $8 or $12 a month after a 30-day trial, and on the cheapest plan your savings earn you no interest. It is worth it if rules and goals are what finally get you saving. Skip it if you can set up one automatic transfer to a savings account yourself.
Qapital at a glance
Still operatingQapital links to your checking account and saves for you based on Rules you pick, such as rounding up purchases or setting money aside every payday. The money goes into Goals you name. The two higher plans add a checking account with a Visa debit card and ready-made investment portfolios.
The catchYou pay every month whether your Rules save $5 or $500, and membership fees are not refundable. On the Basic plan, Qapital keeps any interest your savings earn.
See plans at QapitalWe checked every detail here against Qapital’s own website, its help center, its terms and both app stores, as of this update. Already decided it is not for you? Jump to the apps like Qapital.
Is Qapital still an app?
Yes. Qapital is live, taking new members and still being updated. Apple’s App Store lists it as Qapital: The Money Saving App from Qapital, LLC, and its latest update there is dated September 30, 2026. Google Play shows an update from September 23, 2026.
The company says it was founded in 2013, has roots in Stockholm and New York, and has more than 2 million members who have saved over $3 billion between them. Those are Qapital’s own numbers. Its site names Qapital, LLC as the company behind the app and does not say who owns it.
What has changed since our last look is the pitch. Our older review called Qapital a banking app. Qapital now describes itself as a money management app, and its own fine print says “Qapital is a fintech company, not an FDIC-insured bank.” The accounts sit at a partner bank, which we cover below.
How Qapital works: Goals and Rules
You start by linking the checking account your money lands in. Then you make a Goal, which is a pot of savings with a name and a target, like a vacation or an emergency fund. Every plan lets you make as many Goals as you want.
Rules are what fill the Goals. A Rule is a trigger: when this happens, save that much. Qapital says there are more than 15 ways to save. These are the ones its help center explains.
- Round Up. Each purchase is rounded up and the difference is saved. The default rounds to the nearest $2, so a $4.60 coffee saves $1.40. You can set it anywhere from $1 to $5.
- Set and Forget. A fixed amount every day, week or month.
- Payday. A percentage of every deposit over an amount you set. It fires on any deposit that size, not only paychecks.
- 52 Week. Pick a starting amount and the Rule adds $1 each week for a year. Start at $5 and you finish with $1,568.
- Spend Less. Set a weekly or monthly budget for one merchant. If you spend less, the difference is saved.
- Guilty Pleasure. Save a set amount every time you buy from the merchant you are trying to resist.
- Freelance. Set aside a percentage of every deposit over a minimum you choose.
- Apple Health and IFTTT. Save when you hit a step goal or finish a workout. Qapital says it has worked with IFTTT since 2015 to connect apps like Fitbit and Strava.
Two things to know before you turn Rules on. First, Qapital does not move money the second a Rule fires. It batches transfers up to four times a week, Monday through Thursday, and says most settle the next business day. Second, it has a fail-safe that blocks a transfer if it would leave your checking account with less than $100. Qapital says not to rely on it alone, because it cannot see purchases you make after a transfer starts, and that it is not responsible for any overdraft fee your bank charges.
There is also a budgeting tool called Payday Divvy. It splits each paycheck into bills, savings, investing and spending money based on amounts you set, and you can skip or pause it.
Source: Qapital’s help center pages on Rules and Goals.
MoreHow to automate your savings
What Qapital costs
Qapital has three plans, and none of them is free after the trial. You can pay by the month or by the year, and paying by the year is cheaper on every plan.
| Plan | Monthly | Yearly | What you get |
|---|---|---|---|
| Basic | $3 a month | $30 a year, which is $2.50 a month | Unlimited Goals, Rules, paycheck splitting and shared Goals with a partner |
| Complete | $8 a month | $60 a year, which is $5 a month | Everything in Basic, plus investing, the Spend account and the Qapital Visa debit card |
| Premier | $12 a month | $120 a year, which is $10 a month | Everything in Complete, plus more investment portfolios |
Source: Qapital’s pricing page, read for this update. Prices can change.
The trial lasts 30 days and starts when you link your funding account. After that, Qapital bills the plan you picked. You can switch plans at any time. An upgrade starts right away and you pay the prorated difference. A downgrade starts with your next billing cycle.
Here are the other costs we found in Qapital’s help center.
| Item | What you pay |
|---|---|
| Standard transfer back to your bank | No charge listed |
| Express withdrawal | 2% of the amount, with a minimum of $0.80 and a maximum of $10. Same-day, if you ask before 2 p.m. Eastern on a business day |
| ATM withdrawals with the debit card | Qapital does not charge. The ATM’s owner might |
| Refund of a membership charge | None. Qapital says membership fees are not refundable |
| Adding a partner | Each person pays for a membership. You can pay for your partner’s at 50% off |
Basic on the monthly plan adds up to $36 a year. Qapital says its users save $4,900 a year on average. If you save anywhere near that, the price is small next to the result. If your Rules only move $20 a month, $3 is 15% of what you saved. Run that math on your own numbers after the trial.
The bigger cost is the interest you do not earn. On the Basic plan, your savings sit in a pooled account and Qapital’s terms say you are not entitled to any interest on them. Qapital keeps it. The only rate Qapital states is 0.05% APY on the Spend account, in a help article dated April 2, 2025. On $2,000, that is $1 a year.
So the honest comparison is this. Qapital charges you to save and pays you close to nothing. A high-yield savings account charges nothing and pays you. What Qapital adds is the push. If you have never managed to save without one, that push can be worth $36 a year. If you already save, it is not.
MoreBest high-yield savings accounts
The Spend account, debit card, investing and Dream Team
The old version of this review described a free account with a debit card for everyone. That is no longer how it works. Here is what Qapital offers now and which plan each part sits in.
Spend account and Visa debit card: Complete and Premier
The Spend account is a checking account held at Lincoln Savings Bank, and the Qapital Visa debit card draws from it. You get a digital card right away and can ask for a physical one in the app. You need the physical card to use an ATM. Qapital’s pricing page says you can withdraw cash at over 55,000 ATMs, and its card page says there is no minimum balance.
If you set up direct deposit into the Spend account, Qapital says eligible paychecks can arrive up to two days early. If you later drop to Basic, your debit card stops working for withdrawals, and you can no longer add money to the Spend account.
Investing: Complete and Premier
Qapital Invest puts your money into ready-made portfolios of exchange-traded funds, matched to how much risk you say you are comfortable with. You cannot pick individual stocks or bonds, and Qapital says it rebalances the portfolio for you. You can fund it by hand or with the same Rules you use for saving. Premier unlocks more portfolios than Complete.
Qapital has reorganized this part of the app. A help article dated May 21, 2026 says Investment Goals are now grouped into Portfolios, and that you can open one Portfolio per strategy from here on. Qapital says balances and automatic deposits were not affected.
We could not find a minimum investment or a separate advisory charge on Qapital’s public pages. Its terms point to a disclosure brochure for investing costs, so read that before you fund a Portfolio. Investing involves risk, and you can lose money.
Dream Team: every plan
Dream Team lets two people save toward shared Goals without merging their accounts. You each add money from your own bank, and you each choose whether the other person can see your balances and transactions. Qapital’s help center says it is open to everyone who has finished signing up, and the Basic plan lists shared Goals with a partner.
Both of you need a paid membership. Qapital says you can cover your partner’s at half price, and turn that off whenever you want.
MoreBest budget apps for couples
Is Qapital safe and legit?
Qapital is a legitimate company that has been running since 2013. It is not a bank, so the useful question is where your money actually sits. The answer depends on your plan.
Where your savings are held
- Basic. Your savings go into a pooled account at a partner bank, held for the benefit of Qapital’s users. Qapital’s terms, effective September 10, 2026, name Lincoln Savings Bank as that partner. Qapital says the money is eligible for pass-through FDIC insurance, which means that if the partner bank fails, your funds there should be insured up to $250,000.
- Complete or Premier with a Spend account. Your Save and Spend money is held in your own name at Lincoln Savings Bank, Member FDIC. Your balances there are added together and insured up to $250,000.
- Complete or Premier without a Spend account. Your savings are held in the pooled account, the same as Basic.
Two limits apply either way. The $250,000 counts any other money you already keep at that bank. And the insurance covers the failure of the bank. It does not cover a problem at Qapital itself. Qapital’s terms also let it move pooled funds from one partner bank to another without telling you first.
Source: Qapital’s FDIC insurance help article and its terms and conditions.
Where your investments are held
Advice comes from Qapital Invest, LLC, which Qapital says is an investment adviser registered with the SEC. The brokerage account itself is held by one of two partner brokers, Apex Clearing Corporation or Wedbush Securities Inc. Qapital describes both as members of FINRA and SIPC. SIPC protection covers a broker failing. It does not cover your investments losing value.
Security and app store ratings
Qapital says it encrypts your data in transit and at rest, supports passcode and fingerprint login, lets you lock your account remotely, and has completed an independent SOC 2 Type I security examination.
As of this update, the app shows 4.8 out of 5 from about 85,900 ratings in Apple’s App Store and 4.2 out of 5 from about 21,700 reviews on Google Play. Ratings that high do not mean nobody has complaints, so read a few of the recent low-star reviews before you link your bank.
What we could not confirm
Our earlier review made several claims we can no longer back up from Qapital’s own pages. Here is where each one stands.
- No monthly fee. Not true today. Every plan has a monthly or yearly price after the 30-day trial.
- Interest on every account. Qapital states a rate only for the Spend account, and says Basic savings earn you nothing. We could not find a rate for savings Goals on the two higher plans.
- A $100 minimum deposit. We found no minimum to open. The $100 figure is the fail-safe that blocks a transfer if your checking account would drop below it.
- Phone support. Qapital’s site lists email and in-app support. We could not find a phone number. The pricing page says annual plans get faster access to live agents.
- A desktop version. Qapital is built around its iPhone and Android apps. Its help center mentions a web page for statements. We could not confirm that you can run your whole account from a computer.
- The referral bonus. Qapital has a referral program, and its terms say the amount is set in the app and can change. We do not list a number we cannot see.
How to cancel Qapital
Deleting the app does not cancel anything. Qapital says your Rules keep running and you keep getting billed until you close the account. Do it in this order.
- Move your savings back first. Transfer each Goal to your bank and wait for the money to arrive. If you invest with Qapital, cash that out too, or ask support for help.
- Close the account in the app. Open the Home tab, tap the button in the top left corner, tap Membership, scroll down and tap “Close my account.” Qapital says the account closes at the end of your billing cycle.
- No access to the app? Email support@qapital.com and ask to cancel. Keep the reply.
- Check your next bank statement. Make sure the membership charge has stopped.
If you are still inside the 30-day trial, cancel before it ends. Qapital says it gives no refund when a cancellation comes in after a billing cycle has started, and that membership fees in general are not refundable.
Source: Qapital’s help article on canceling a membership.
Qapital pros and cons
- Rules make saving automatic, and a little fun
- Unlimited Goals on every plan
- Shared Goals with a partner on every plan
- 30-day free trial, and yearly billing costs less
- $3 to $12 a month, with no free plan
- Basic savings earn you no interest
- Debit card and investing need the $8 plan or higher
- Membership fees are not refundable
Who should use Qapital, and who should skip it
Use Qapital if you like the idea of saving as a game. Rules tie saving to things you already do, so the money builds up without a big decision each month. It also fits couples who want shared Goals but separate accounts. Start on Basic. You can move up later if you want the card or investing.
Skip it if your paycheck is steady and you can set one recurring transfer for the day after payday. That costs nothing, and in a high-yield account the money earns interest. Skip it too if your checking balance often runs close to zero, because an automatic pull at the wrong moment is how overdrafts happen.
Apps like Qapital: what we would use instead
These are the closest replacements we can point you to. Each one moves money for you in a slightly different way.
| App | How it saves | Cost | Where the money sits | |
|---|---|---|---|---|
| Qapital | Rules you set, like round-ups and payday transfers | $3 to $12 a month | A partner bank. No interest on Basic | |
 Rocket Money | Autopilot picks small amounts for you | Premium, typically $7 to $14 a month | An FDIC-insured account at nbkc bank | See Rocket Money |
 Acorns | Rounds up purchases and invests the change | From $4 a month | An investment portfolio that can lose value | See Acorns |
| Oportun Set & Save | Moves varying amounts on its own | $5.99 a month, or $47.88 a year | Partner banks. No interest listed |
Details are from each company’s own site or our own review of it, read for this update, and can change.
Rocket Money
Best if you do not want rulesQapital makes you choose the triggers. Rocket Money does not. Its autopilot studies your checking balance and spending, then moves small amounts into a separate account every one to three business days. Premium also cancels subscriptions for you and adds unlimited budgets.
The catchThe free plan does not include automatic savings. Rocket Money is a financial technology company, not a bank. Banking services are provided by nbkc bank, Member FDIC.
Get started with Rocket MoneyOur Rocket Money review covers the rest of the app.
Acorns
Best for round-upsIf the round-up Rule is the part of Qapital you like, Acorns is built around it. It rounds each purchase up to the next dollar and invests the difference in a ready-made portfolio. You can add a recurring investment from $5, and that first one is what earns the $20 bonus.
The catchYour spare change is invested, not saved, so the balance can go down as well as up. The price is flat. On a $500 balance, $4 a month works out to 9.6% a year.
Get the $20 bonus at AcornsAcorns is one of several micro-investing apps that work this way.
Oportun Set & Save is the app that used to be called Digit. It is the most hands-off of the group, because it chooses the amounts and the timing for you. We do not have a partner link for it, so read our Digit review for the full picture.
Our take: if you want saving to happen with no setup at all, go with Rocket Money Premium. If you want your spare change invested, pick Acorns. If the monthly price is the problem, skip the apps and open a high-yield savings account.
How to try Qapital without surprises
If you have read this far and still want it, that is a fair call. Here is how to test it for a month and keep the cost at zero if it does not work out.
- Download the app and pick Basic. It has the Rules and Goals, which are the reason to use Qapital.
- Link the checking account your paycheck goes into. The 30-day free trial starts here.
- Start with one Goal and one Rule. Round Up at $1 is the gentlest. Raise it once you see how much it moves.
- Keep a cushion in checking. The fail-safe only steps in below $100, and it does not cover the membership charge.
- Put a reminder on day 25. Look at what it saved, compare that with the price, and close the account before day 30 if the numbers do not work.
Qapital FAQ
The closest match depends on what you liked about it. If you want savings to happen with no rules to set up, Rocket Money has an autopilot feature in its Premium plan that picks small amounts and moves them for you. If you liked the round-ups, Acorns rounds up each purchase and invests the change from $4 a month. If you want no monthly price at all, open a high-yield savings account and set one recurring transfer.
Qapital has three plans. Basic is $3 a month or $30 a year. Complete is $8 a month or $60 a year. Premier is $12 a month or $120 a year. New members get a 30-day free trial that starts when they link a bank account. An express withdrawal costs 2% of the amount, between $0.80 and $10.
No. Qapital is free for the first 30 days, then you pay for the plan you picked, starting at $3 a month. The app is free to download. Qapital says membership charges are not refundable, so cancel before the trial ends if it is not for you.
Qapital is a fintech company, not an FDIC-insured bank. It holds your money at Lincoln Savings Bank, Member FDIC. On the Basic plan your savings sit in a pooled account that Qapital says is eligible for pass-through FDIC insurance up to $250,000. On Complete or Premier with a Spend account, the money is held in your own name at the bank. The insurance covers the bank failing. It does not cover a problem at Qapital.
Barely. Qapital states 0.05% APY on the Spend account, which comes with the Complete and Premier plans. On the Basic plan, its terms say you are not entitled to any interest on your savings. If earning interest matters to you, a high-yield savings account is the better home for the money.
Move your savings back to your bank first. Then open the Home tab in the app, tap the button in the top left corner, tap Membership, scroll down and tap Close my account. The account closes at the end of your billing cycle. Deleting the app does not cancel your membership. If you cannot get into the app, email support@qapital.com.
Yes, it is a real company that says it has been operating since 2013 and has more than 2 million members. Deposits are held at Lincoln Savings Bank, Member FDIC, and investments are held by Apex Clearing or Wedbush Securities, which Qapital describes as SIPC members. The risks are the ones that come with any app that pulls money from checking automatically, so keep a cushion in your account.
Mostly from memberships. Every plan costs $3 to $12 a month after the trial. Its terms also say that on the Basic plan Qapital keeps any interest earned on the pooled account that holds your savings, and it charges 2% for express withdrawals.
Qapital details come from Qapital’s website, help center, terms and both app store listings, read for this update. Prices and bonuses for other apps were checked on each company’s site or in our own review and can change, so confirm the current terms before you sign up. Investing involves risk, and you can lose money. Advertiser disclosure: We may receive compensation from some of the companies listed on this page. This does not influence how we rank them. Qapital does not pay us.
