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About Qapital: Stretch or build emergency savings easily

Save effortlessly, spend guilt-free, and stretch your money painlessly with Qapital, your new mobile banking and saving solution. Discover a smart personal finance manager and intuitive tools that make it easy to manage funds, keep your weekly budget in check and take control of your money. We’re committed to making money management and saving accessible, and with more than 70,000 five-star ratings across platforms, we’re pretty sure we’re on the right track. Our effective spending tracker and savings manager tools make Qapital the ideal app for emergency savings.

Top reasons to download Qapital:

- Automated and emergency savings: with personalized Goals and automated savings Rules, our savings manager allows you to save money and build emergency savings without thinking about it. Start saving money right on payday!
- Budget easily, starting on payday: a pillar of personal finance is "pay yourself first." Set up automatic transfers from your checking account with our savings manager, so your money goes straight to your savings Goals on payday. Or set up a weekly budget, for those times when you may need to make your money stretch further.
- Spending tracker: check out our Spending Sweet Spot feature - a smart money manager that helps you decrypt your spending habits. Our spending tracker will show you how you spend, and you'll learn where to save. With a set weekly budget, you'll stretch your money and wait for the next payday stress-free.
- 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 money while you spend it. Because now is the time to truly stretch your money.

Qapital is a different kind of banking and personal finance experience, with tools anchored in behavioral economic principles. Find money happiness by using Qapital: we will help you save more, set up a realistic weekly budget, build emergency savings and stretch however much you have. 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 such as our spare change scheme, 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!


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

- Direct deposit
- Weekly Insights
- Pay bills
- Send checks
- Purchase notifications
- In-app temporary card lock
- Google Pay
- Invest easily
- More to come!

Nothing herein should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Qapital Invest LLC (“Qapital Invest”) is registered with the SEC as a Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice.

Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. This content does not constitute a complete description of Qapital Invest’s investment advisory services. Brokerage services will be provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC.

QAPITAL, the QAPITAL and Q logos, and SAVE SMALL. LIVE LARGE. are all registered trademarks of Qapital, Inc. Copyright © 2020 Qapital, Inc. All Rights Reserved.
* Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC

What’s new

Version 4.24.0 · Updated December 7, 2020

We've been busy working on some design updates and bug fixes this week. We've also continued our work on a few new features, so look out for them in the coming months.

User reviews

Yolanda Trevino
Good
Team Player Biz
Wonderful app to use
Michael Ruis
Love this app Brilliant Makes me smarter than I am!
Megan Madden
My favorite financial app
Ivette M Fernandez
Love it I have been using this app for years and is been a big help in my Savings.
Sabrina Moses
Awesome!

Frequently asked questions

What is Qapital?
Qapital is a mobile banking and saving solution that helps users manage their funds, keep their weekly budget in check, and take control of their money.
What are the top reasons to download Qapital?
The top reasons to download Qapital include automated and emergency savings through personalized Goals and automated savings Rules, budgeting easily starting on payday, a spending tracker that helps you decrypt your spending habits, and a checking account without traditional bank fees.
How can Qapital help me with my personal finance?
Qapital can help you with your personal finance by providing tools anchored in behavioral economic principles that can help you save more, set up a realistic weekly budget, build emergency savings, and stretch the money you have.
What are the in-app features of Qapital?
The in-app features of Qapital include direct deposit, weekly insights, bill pay, check sending, purchase notifications, in-app temporary card lock, Google Pay, and easy investment options.
Is Qapital a Registered Investment Adviser?
Yes, Qapital Invest LLC is registered with the SEC as a Registered Investment Adviser.
Are the historical returns, expected returns or probability projections provided by Qapital hypothetical or actual?
Any historical returns, expected returns, or probability projections provided by Qapital are hypothetical in nature and may not reflect actual future performance.
What is the Qapital Visa Debit Card?
The Qapital Visa Debit Card is a debit card issued by Lincoln Savings Bank that comes with a checking account to help users save money while they spend it.

Alternatives to Qapital: Stretch or build emergency savings easily

Looking for apps like Qapital: Stretch or build emergency savings easily? Here are 6 similar Android apps on Google Play. The highest rated is Bright - Crush Your Card Debt (4.7/5), and all 6 are free to download.

Qapital: Stretch or build emergency savings easily vs. alternatives
App Rating Price Installs Last updated
Qapital: Stretch or build emergency savings easily 4.2 / 5 Free 500,000+ Dec 7, 2020
Digit, soon to be Oportun 4.5 / 5 Free 1,000,000+ Sep 21, 2026
Wealthfront: Save and Invest 4.5 / 5 Free 100,000+ –
Marcus by Goldman Sachs® 4.4 / 5 Free 1,000,000+ Aug 25, 2026
Acorns: Save & Invest 4.6 / 5 Free 5,000,000+ –
Bright - Crush Your Card Debt 4.7 / 5 Free 1,000,000+ Jul 12, 2026
Self - Build Credit & Savings 4.7 / 5 Free 5,000,000+ Sep 18, 2026

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