• Qapital 1
  • Qapital 2
  • Qapital 3
  • Qapital 4

Qapital

Say hello to Qapital
- the app that makes it easy to save for the things you really want. We use the ways you’re already spending your money to trigger micro-savings that we automatically put aside for your Goals. That means while you’re busy dreaming and planning, we’ll be doing all the work to make it happen.
Getting started with Qapital:Download the app, set up an account in two minutes and start saving right away. Your Qapital account is FDIC-insured and uses bank-level security to keep your money and data safe.

Qapital has been featured in:The New York Times, Fast Company, Wired, Lifehacker, TechCrunch, Mashable, Bankrate.com and more.

With Qapital you get:✓ An FDIC-insured account with no monthly fees, no annual fees and no minimum deposits.✓ A completely new way of saving money for your Goals through fun Rules like "Guilty Pleasures", "Set & Forget", "Apple Health", "IFTTT" and more.✓ Automated and completely free transfers from and to your accounts.✓ An amazing savings experience.

Get started today!

Security:Your trust and security matter most to us. We’ve built our app to industry-leading standards to help keep your money and information safe. Money in your Qapital account is FDIC-Insured up to $250,000. Qapital does not support rooted devices.

For more information, visit qapital.com.

Category : Finance

Related searches

Reviews (28)

Aub. K. May 2, 2022     

Was great initially - I've been using this app for a long time now. Recently - I've found a lot of glitches: - I've set up Payday Divvy up multiple times but it doesn't stay or work. No transfers and I also can't cancel it. It shows up in my time estimates for goals but doesn't actually work. - Connections to banks don't update very frequently - I'm getting errors on Payday rules that say they are attached to deposits "over $5" which is not correct based on what I set.

che. p. May 8, 2022     

UPDATE 5/8/22: huge improvements. I'm very satisfied. After last rating they seemed to get on it & soon after many fixes were made. I'm hoping they stay on path & keep improving app without messing it up like some tend to do . Deleted original review for this updated review. As of 3/11/22 app will not open. Crashes every attempt. Cleared cache, uninstalled and reinstalled and still cannot access. Very irritating that I cannot access my saved funds especially right now that I NEED to transfer.

Bra. L. Mar 12, 2022     

Love this app! Has really helped to put some money aside each month and have a little extra spending cash. However the past few months I have been experience some major glitches with connecting to my bank and the rules I set up. Now I am unable to open the app because it is saying there is a "bug". That is worrisome because I am unable to view my funds or transfer for spending. Any news on when this bug will get fixed. As I said I really love this app and want to continue using it.

dew. r. Mar 4, 2022     

I have used this app for about 4 years now, and I believe that the concept is amazing. Initially, everything worked flawlessly. Transfers posted as expected, the platform was easy to understand and use, and the developers seemed to add additional features that were useful. Since then, there seemed to have been updates that have caused issues with the application. For 6 months straight it would require the linking of the same bank account every day. This would be an amazing app if it worked

Aly. M. Mar 10, 2022     

Loved this app, been using it for years. The past 6 months have gone downhill. It disconnects from my Wells Fargo bank account every day, and then won't even allow me to reconnect most of the time. Don't know what happened, but I'm close to pulling all my saved money out and deleting this app. It's useless if it won't connect to my main bank account 90% of the time.

And. B. May 20, 2022     

Sticking to saving money has always been super hard for me, but doing the round up and 52 rules have allowed me to start putting away a pretty substantial amount, without really missing it. It's kind of a game changer for people like me who struggle with saving.

Zac. M. May 12, 2022     

I don't use this for anything crazy, it's where I keep my spending money, and also I can save some of my spending money towards goals so it's really convenient. Haven't had any issues, and it's been really easy overall.

Ash. M. Apr 7, 2022     

Would have liked to be able to actually use the app. Any time I try to link my bank, the page loads, then sends me back the the "link your bank" page. Also, when I tried to reach out to support, the AI chat did the exact same thing while trying to end the chat. Will update my review once I get help from support, according to the bot it should be within 24 hours. Otherwise, from what small bit I could see of the app, it has potential.

Ama. M. Mar 24, 2022     

The app NEVER connected to my bank account to work as it's intended. But it COULD CONNECT TO TAKE MONEY. When I brought this to customer service, nearly 1.5yr of being charged $6 a month for a service that NEVER worked. They said they could only refund me $36 and the other $78? Asked 3x to confirm I wanted to cancel & get a refund and I confirmed all 3x. Then I had to reach back out several days later to ask for it AGAIN. The option to cancel the account yourself doesn't exist. Waste of money.

Cur. Y. Mar 19, 2022     

Qapital changed my life for the better. I wanted to save. I read about saving. I obsessed about saving but I just couldn't seem to figure it out. Qapital took the thought out of it and saved for me in different accounts I made for different goals. I recommend Qapital to anyone aspiring to save and find financial peace of mind. It is an app based bank and there can be some minor set backs (no physical branches, customer service wait time. Etc) but they have come a LONG way! Thank you so much!

ste. l. May 5, 2022     

App stopped working, it closes every time I try to open it. The app is up to date and my phone is up to date. Message pops up saying to wait for develepor to fix the bug

Joh. T. May 25, 2022     

WORST CUSTOMER SUPPORT EVER! Quapital is convenient until it's not. The point of automatic savings is that you are supposed to set it and forget it. Somehow this past May the round up rule which I had not had active turned on and drained my checking account. Luckily this did not cause me any problems with overdraft fees or bounced checks however the customer support from Quapital only placed blame on me the customer insisting first that the rule was always on - a lie - and then telling me I could have reversed it - sure but the point of savings is you don't look at it every day. These people are THE WORST when it comes to communication the "real" people are as bad chat bots. BAD COMPANY do not trust them with your financial info.

She. W. May 15, 2022     

Great app, but when it comes to cancel your subscription they give a really hard time and you have to go throughcustomerservice, I don't understand why they can't have a simple button to click to cancel subscription just like any other subscription based service that I use....

Cla. h. Mar 14, 2022     

Haven't had any issues. Great service and always updates. Have noticed some font changes, although subtle it's like somebody is in there just tweeking it ever so slightly like a boring task? It's funny. I'm waiting for some roman to pop up. Haha. All in all love the ap and service.

Geo. W. Apr 7, 2022     

I've used the app for years and enjoyed it until recently. Now it will not connect to my bank account, and the FAQ just says "try deleting your bank account and readding it as a new account". I can't delete the account, because it's my funding account (or was, until this app breaking bug appeared), so me, and my money that's being held in my qapital accounts, are both stuck. Don't get this app until they've resolved this issue. It's unacceptable, and their communication is unacceptable as well.

Ali. M. Mar 14, 2022     

I'm bringing this down to four stars. Originally this app was able to calculate and project how much money was going to be taken out at the selected time it would pull from your account. This capability is no longer being used and it's close to a deal breaker for me. This can cause an overdraft fee if you're not paying attention. Update: 3.14.22 What's going on after today's update? The app is constantly freezing.

And. C. Apr 6, 2022     

Yet another review in the last 30 days....what is going on with this app. The constant disconnecting from my bank is enough to make me look for alternate apps. Over 3 years I have enjoyed this app but the last few months have not helped me to save anything due to these constant issues.

JM. V. Jan 18, 2022     

I use this app for saving towards specific items to help control spending and budget for luxury purchases or things I don't really need. It's been really helpful and easy to save writing really thinking about it. I like the ways goals can be personalized to save in different ways-- I use round up, set and forget, and guilty pleasure a lot. Obviously since the app isn't party of my bank, there is a lag on updating my bank balance which used to be a problem when I lived with a tighter budget.

Pam. A. Jan 27, 2022     

Its ok but a little vague to understand if they are taking money out of the external funding account and also to close the account which I did as it wasn't much use to me. It could be useful for others who have a hard time setting goals and saving for those. Had to email a few times to close the account and even then the only response I got was that my debit card, that I never received, is now locked. Then I couldn't even sign in to the app to make sure my external account is unlinked, deleted.

Dan. E. H. Dec 31, 2021     

There was a few bumps in the road when I first opened the account but I think that was more an issue with plaid and my bank.. My bank has the option to set up different goals but you have to manually set transfers up to those goals. W With Qapital I can set it and forget it. Everything is automatic. I love the round up rule and the deposit percentage rule.

Joe. T. May 18, 2022     

Don't bother ! Worst product ever. I transferred money from my bank account to Qapital debit card and they locked my account claiming they suspected fraud. How can I want to steal from myself? You are better off just using multiple bank accounts. Also, ACH is extremely slow. It takes like 5 days for money to get deposited.

ale. l. Jan 25, 2022     

I love how easy it is to use. There are ongoing issues with Plaid and connecting to my Chase bank though. It would disconnect from time to time and I would have to reconnect it. But other than that, it's a really simple app that can help you save and budget your money better with all the different options.

Kyl. H. Apr 17, 2022     

It's okay... Manual transfers work perfectly but plaid rarely updates without manual refreshing leading to rules not working, and getting a qapital debit card it a huge pain. If these issues were fixed it would be five stars.

Riv. A. Jan 23, 2022     

Horrible. It was not clear to me that this app was going to create a new Chase Bank savings account for me. I assumed it was going to move funds from my existing checking to my existing savings account. Very glitchy to get everything initially setup. Withdrawals are very slow. Closing everything out to delete the app is a HUGE and time consuming pain (it's going to take me at least a week, maybe longer). Lesson: there is in fact NOT an app for everything.

Ror. M. Jan 16, 2022     

I love the round up feature. For every purchase you can round up to the nearest dollar or more if you'd like. It adds up quickly. I use this to save spending money for vacation. I also like that I can set a goal and automatically at the beginning of each month the amount I set is put towards that goal. It's great for saving up for my property taxes.

Cha. H. May 5, 2022     

App no longer works. I crashes every time I try to open it and I cannot access money that I have saved in it.

Vic. D. Mar 15, 2022     

I'm very satisfied with my experience with Qapital. I've saved more, even though I pay a small fee. Just set it and watch it grow. If you struggle with saving, this is a good baby step. It's simple too.

Osm. A. Apr 7, 2022     

Better option than others I try before. They let you customize multiple saving goals simultaneously and I love that. Let see how the withdrawal process goes once I reach any of my current saving goals and I request the money.