Qoins

Previously, I loved this app. I am already a frugal spender so paying 3$ a month to have some peace of mind that I was saving in the background was awesome! Once I accomplished my $ goal I deactivated the account. Almost a full TWO YEARS after I deactivated my account Qoins started charging me again. Due to this I would HIGHLY recommend against this app.

I really love the idea of this, I've been searching for something simple like this to help pay off debt/ save money. It has been great and had already sent one payment which I wouldn't have made myself without this Only thing I've been having an issue with is it keeps disconnecting from my bank, I reached out to customer service, it helped for a bit but started doing it again but less. I still really love the app, hopefully that bug will be worked out. Definitely recommend it tho!

It was working great till it logged me out and now it won't let me log in. It thinks for a few minutes then stops and leaves me at login page without giving me a reason.

So I was a user and then I STOPPED using for years. Mind you. YEARS. And I keep a pretty close eye on my budget. Then randomnly in December 2021, it charged me a subscription fee. I contacted customer service and told me I was an active customer (doubtful) and if I wanted to stop it, I should deactivate my account. Deactivating my account has been made even tougher through these glitches that won't accept my explanation as to why I'm deactivating. All to say, almost 100 words to say its been an annoying experience to say the least.

So far its looking great. Have not had any issues with the customer service and the way the plan works for me is quiet comfortable. Looking forward to see more options in years to come.

Great way to pay off bills. Edit! I absolutely LOVE this app! In just a small two months I've paid off over $500 in debt that I would have never been able to stick to! I love how they make it easy to reschedule and not just have to cancel if things are tight! The days I get notifications that money is coming about, I will skip eating out or stopping off at the convenience store! Thanks so much for providing such an easy and affordable way to take care of your debt!

So let me be clear-- it does what it's supposed to do. However, the GUI is super clunky. On boot, I tend to have to let it sit (Pixel 3A, both cellular data/ wifi) for the information to populate, and I'm looking at a screen with no information on it. If I could use the service via web browser, I think I'd do that instead (looking at digit's success with this.), I've tried it on multiple phones and nothing has changed, Oh well. Outside of the interface being an issue, the service is perfectly fine, it just is a pain for me to deal with it when I need to make changes.

I had issues at first, but they are now fixed and so far, so good. I haven't used it enough to give it a completely honest review of everything, yet; but I really like the idea and hope it helps me with paying down some debts. I do wish that you could use more than one round up account for specific debts. If they could create a way to add multiple round up accounts to tackle a specific debt, that would be amazing!

Great idea! it truly helps me save money to later transfer to my debt(credit) account. The app itself; however, is terrible. They should have more features on it to help us access and edit our withdrawal. I feel that I do not have any control over my money. I Am going to uninstall this after I get my money deposited! terrible setup!

Qoins is a very helpful aid in paying down debt whether you just want to make extra payment or initiate them if youre not good at paying your bills in the first place. This app syncs to your bank account, looks at the total of your purchases and transfers the rounded up portion aside and saves it to make a monthly payment towards the account of your choosing. It only moves $5-$6 at a time so you hardly notice the amounts being withdrawn.

I love this app. I've paid off quite a bit of debt with it without actually having to schedule a payment with the debt company. Since the last update though it won't connect to my bank account, I've relogged in multiple times and either get a wrong username error for connecting my bank or it will work but still give me the connection error. I tried to message the help center but when I tried to send it I got an error saying it couldn't be sent. Other than recently no issues. I recommend to anyone

i really enjoyed this app. I wish it didnt take a whole month for the money to be sent out and instead let us choose if we can send it out weekly, biweekly or monthly instesd by choice. i did have an issue that was easily fixed that took no longer than 2-5 days. Customer service is good and Im happy to see my student loans going down by every 5$ and accumulates. ill keep using it until most if not all of my debt is paid (as soon as the interest amount does down)

This app and service are a great idea, and the whole process works just okay. The app has minimal features and doesn't always work as expected. This company really needs better developers and testers. Expect bugs, but also expect to pay down debts faster. Update: added another star. I stopped using this app because I was finished paying debts. The app certainly helped, and the experience got better as time went on. The support team was very helpful and responded to requests very quickly.

has sent my first payment and I am so excited to basically not have to even think about adding extra payment for my car. it gives notifications through email and text to let you know what is being withdrew and then it lets you know when its sending it to w/e place you choose to pay down. it really works, its really cool and if you really dont want the money withdrawn you can cancel. its usually around 5$ at a time so nothing crazy and it saves it up and sends out once it hits 20$. thank you guys

My biggest budget buster is my cell phone bill. I'm always occurring late charges, due to the due dates vs. payday dates. And I just found this. It's my 3rd day and I've already saved $5+ dollars. It's not to invasive yet. I hooked it up to make payments on this bill. I figured any little bit it pays. Helps the bottom line in the end. I can update after the first payment goes out.

I've been using the app for at least a year. I've had to contact customer support once with help on the initial setup & they were prompt. I then realized I was speaking directly to the developer & not just any customer service rep which I thought was great. they've made a lot of good changes in the last year. I've been making a small dent on one of my credit cards without even having to think about it thanks to this app.

App keeps crashing when attempting to connect account

Stopped using this app years ago. Noticed this morning that I was charged a subscription fee of $2.99 even though I deactivated years ago. Sent an email to support to hopefully get this resolved.

Cant even verify my account. I get the verification code, open my message app. Reqd the code and when I go back to the qoins app no keyboard to type it in.. More app trash

Could be better! I'm really trying to like this app, but I don't think it's intuitive. As someone on a VERY limited income and still trying to pay off things, this app is a nightmare. The feature of wanting to go back through my transactions and pull money that I don't have? I wish I could just resume and it STARTS on the day I get paid and doesn't go back searching for money that isn't there! It seems like they are trying too hard. Start on the day I resume, not go back!

Do NOT download. Way too many tech issues. Most reviews I'm reading in regard to not having control of your money is TRUE. There's no official way to actually STOP payments or navigating. Theres buttons there, but they themselves DO NOT WORK. As well as the way deposits are set up. They take way to long to post, and another issue is you can't change your bank or delete it for that matter. So, once they delete my account AS I HAVE requested. I will do this another way. Great idea, poor execution.

Easy to use and has really helped me pay down credit card debt.

I love this app it pay my bill that I choose every month without me noticing the little amount of money that's withdrawal over one month time period. The only issue I have is that at the end of the month it takes two weeks to send the payment. I just simply paid double on my bill one time so it's a month ahead and now my $100 monthly bill is paid without me noticing it.

So far so good! The app is pretty easy to navigate and gives you a lot of control on when and how withdrawals and payments are made. I had to contact support, and the service I received was everything you could ask for; prompt, courteous, friendly, knowledgeable and most importantly actually helpful! I recommend this to anyone trying to get their debt under control.

Excellent stable app, no crashes, doesn't constantly bother you, just does what it's supposed to do. I would like to see the ability to input your actual interest rate to estimate your actual savings rather than "based on national average."

For the past 24 hours, I've been trying to link accounts and it constantly gets stuck at the "gathering account info" stage. I sent an email to support and kept trying. So far, no fix or response (though, it hasn't been a full 24 hours since support email sent). It'd really be nice to get this setup.

Great concept but major issues with returning money. Have been in contact with customer support for over a week and still have not received my money I deposited almost two weeks ago. The money doesn't show on the app or anything. This issue needs to be addressed promptly if this app really wants to take off as a reputable one.

I signed up a long time ago and never used it. I get an email saying I'm going to be charged, and when I go to their website it doesn't load. I contact support and they tell me they've deactivated my account for me and I won't be charged, then still charged me, and didn't deactivate my acct. Luckily it was an old bank acct so it did not go through. I followed the steps in a help article to deactivate my acct, there was no deactivate option settings like the article said. Super shady.

Love this app! Easy to use, has helped me pay off over $500 in debt just in the last year! It updates your amounts quickly and you get fatty updates when it's time for the withdrawal to be taken out. If you have problems or questions, which i only had one, they are very helpful and get it resolved quickly.

I used to love this ap, and am always appreciative if an update, but not when it removes vital features I use regularly. It used to be right on the landing page that I could reschedule when the amounts would come out of my bank account, so if one was scheduled for Tuesday, and I don't get paid til Friday, I could reschedule everything to hit Friday instead so my bank account wouldn't get overdrawn. Now I see no options to do this. If I can't ultimately resolve it, I'll have to move on.