Qapital: Set & Forget Finances Positive Reviews

Qapital: Set & Forget Finances App User Positive Comments 2024

Qapital: Set & Forget Finances app received 38 positive comments and reviews by users. Can you share your positive thoughts about qapital: set & forget finances?

Qapital: Set & Forget Finances for Positive User Reviews

✓ Great App! Love itTh app is great! I have been using it for more than 3 years. I have also have referred a lot of people to it. Unfortunately yesterday I received a notice that I had to update my app. Which I did but after I updated it I received a message that there is a $8 monthly service charge to use this app. Really!!! That is almost $100 a year. I could understand if I received interest from the money in my Qapital account. No interest, so Qapital is getting interest from my money and charging me $8 to hold it. But what really makes me upset is that I know someone who has been using the app as long as I have and Qapital sent them a message saying they are grandfathered in and don’t have to pay a monthly fee. I keep reaching out to customer service to ask why do I have to pay and they continue to send a stupid generic response. Really!!! This was a good idea until someone got greedy. Think about it, if people had an extra $100 to give away they wouldn’t be using this app..TLC DIEGOVersion: 2.164.0

✓ Very helpfulI really wish my bank offered some kind of “round up” program. Qapital has been SUPER helpful for me. I’m not the kind of person that can manually transfer money into my savings. And having it done with direct deposit seems to make it easier to transfer right back into my checking account for usage because it’s such a large amount at one time. Like, if I put $500 in savings from my check, it takes such a huge chunk out of my checking account. Qapital takes little bits at a time. I have my “round up” rule set to $5. I also have an auto transfer of $25 every week, AND 5% of each deposit made into my checking account. This may sound like a lot, and I guess it is. But with these rules, I’ve been saving between $700-$900 a month (usually $800). And I hardly even notice. Absolutely loving Qapital. Highly recommended. I also have the card. Never had any issues. I have $50 going in there a week for random nice dinners or nights out and such. Oh! And I love the cute little milestone celebrations when you get closer to reaching your goal :).CrysDollVersion: 2.115.0

✓ Saved enough to remodel my room & lease a carI found this app about a year and some months ago and tested it out. It made a difference for me in my saving and in my spending. I got my boyfriend to download the app and we have saved over $6,000 since downloading. He was able to lease a car and I was able to remodel my room. As young adults in our early 20’s making minimum wage, saving before this app felt impossible. There were no consequences for constantly going out, we just wouldn’t save. This has made saving practical and harder to frivolously spend our money. Update: After I remodeled my room I had surgery so I was unable to work. So I didn’t really use qapital at all for more than half a year. I was checking emails when I got something from them, they were now going to start charging me. I cross checked with my boyfriend and he wasn’t being charged. We figured it was due to the fact that I had the debit card. This doesn’t render the app useless but there were so many benefits to having the card. I’m really disappointed..XiomaruughVersion: 2.106.0

✓ Painless savingSo saving money is not my time to shine. Even though I have an account with ways to section off funds it's still way too easy to transfer right out of savings. This way, it's truly separate and out of sight. No, it's not for your "big savings" stores long term since it's not growing a whole lot- but it's great to get started or to save in chunks for bigger deposits into higher interest earning accounts. Sometimes I've wondered, "what if I try to get to this money one day, and it's all gone- the app was a scam?" If that happens... I'll be sure to update my review. Update, 3 years later: so far, not a scam. 👍🏻 One frustration is with how transfers are made. They happen like twice a week, and honestly, I’m not sure when...? But it’s confusing when a rule is set for 10% of my paycheck to be deposited in Qapital, I’m paid Thursdays, and the transfer still hasn’t happened by the following week. We can instant transfer from Qapital to the funding account instantly- but when it’s going to Qapital it takes daaaaaaays..Mlc839850Version: 2.148.0

✓ I would recommend this app!Best app to help me save. I am trying to save for many different events in my life and I was having a difficult time trying to separate my money. The bank told me I had to open up different account for different goals and didn’t want to do that. So I googled and this app came up. For each goal I have I was able to make up my own type of “rule” for saving that worked for me. For example, I am saving for school. So I linked my checking account to the app. Every time the app seeing that I received money it applies my rule to it and transfers my money out of my checking and into the app. That way when I look at my checking I can see how much money I have to play with. There are no fees. Best thing about the app. It just takes a few days for the money to be moved in or out of the app. Last thing. You can have many goals with many different rules, when money comes into your checking account the app applies the rules for all your goals and divides it for you. Set and forget!!!.FashionpopoVersion: 2.18.0

✓ Make saving a gameSaving money always felt like taking something away from my present self to give to my future self, so I rarely did it. But with Qapital, I find myself jealously guarding my savings, and trying to find more reasons to save. It's a wonderful concept, and it works great. Plus, if you get their debit card, they pay interest on all savings; better interest than my bank offers. And now they offer automatic and commission-free (which is not to say costless) investing. I've looked over their fund picks; they're good ones. They've got an interesting approach to diversifying your investments that I like. By far the biggest flaw is the lack of a free tier. Having a savings account—even a spiffy one like this—shouldn't cost $6/mo. Remember, they make money off your savings. Paying for investing—and even checking—is okay, but the basic features should be free. I find it hard to recommend this app to friends without a free option. The only other real flaw is that you can't exclude some transactions from the Rules. There are tons of possible options for saving, but I only use the Payday rule, saving 10% of every paycheck (split between various savings and investment accounts), and Set and Forget to build up savings for my next car. I do wish they had a more aggressive portfolio, something like an S&P 500 Index, getting ~10% returns..CalionVersion: 2.239.0

✓ Comes in Handy!My husband and have a joint goal which does the 52 week rule and round up to the nearest $1 rule. It has helped us save up about $2500 collectively so far and it’s been about 10 months or so. Luckily we joined when it was free so no membership costs else I don’t know if we would still keep it. I love that it pauses the deposit when my bank account is close to $100. I think the average person can take advantage of this because I still live paycheck to paycheck, but I factor this in with bills so I can have savings. I do get paid every week though so it is a little easier to budget. This really helped when we had a fire and had to find a new place to live, we were thankful we had the money saved in Qapital, and we were easily able to pay $500 deposit on a New with with no worries. Now we plan on using some of the savings for our anniversary cruise in June! It’s nice to have money already saved and available and not have to worry about where we gonna get it from. 4 stars only because it does take some time for money to be deposited, but not everything is perfect..Leyley993Version: 2.79.0

✓ I love love love this appI’ve been using this app for quite a while and it’s one of my favorites I am notoriously bad at saving money but this app makes it easy and even a bit fun! If I had to share a criticism though it is that Qapital is not the most easy to understand in terms of checking my bank account. For example: Ot checked my bank account 10am yesterday I had about 126$ in my account. I got paid yesterday some money in the evening and afternoon. I asked Qapital to put away 50$ into my savings and today around 7am received a notification that my account was on hold for overdraft protection. That’s fine Qapital will eventually check and notice I have over 500$ in my account now but at the same time I don’t know exactly when because obviously they didn’t check today at 7am. It’s not a huge deal just means my deposits are on hold for a couple days but still I wish I could force Qapital to refresh my bank account or get an approximate time as to when checks are performed as we are just told Monday through Thursday but not when and like I said obviously Qapital hasn’t checked any time today or they’d see my bank account is fine. Still fantastic app though!.MeghanwallaceVersion: 2.40.0

✓ So far so good...All I can is so far so good. Saving isn’t really a strong suit of mine, so I saw this app and thought I would try it. I did a lot of reading on forums and just reviews of the app and was assured that it’s not a fake site since it is backed by Wells Fargo Bank. The first week I signed up I had my water heater go bad on me and I needed to replace it. I added the Lowe’s account as one of my guilty pleasures and then I started to save. I started to save by rounding up and also by charging myself $2 extra everytime I made a purchase. Needless to say I had to make a total of 3 trips to Lowe’s land a minimum of $6 I saved. That is not including the round up part. I use my debit card on just about everything, I very rarely carry cash. Soo everytime I make a purchase I save a little. Yes it does come out of your bank account, the app isn’t giving you the round up money, so make sure you keep a little more in the account to compensate for a little more being deducted when you make a purchase. The app is pretty cool... I also have their debit card that I can use to make purchases. Tells you where you saved and where you guilty pleasure was used. I would recommend it and have to a bunch of friends that have already signed up. I would have given the app a 5 but haven’t been using it long enough to get the full experience. I will do another review in a couple months..ItizmemikeycVersion: 2.15.0

✓ Best helperI love Qapital it’s an amazing app that helps me save money. I’m learning how to use the application, lots of advantages come alone. You can set up a rounded amount to take out of how much you spend, you can set as many goals as you want. A great thing about the application is that when you account, or more specifically your bank account, is on a low balance, the app does not take out money from your account until you replenish or deposit more money and it will then take what ever you spent, which made your account low and then anything else. I also love that when I deposit a certain amount of money from a check I set up 11% of the money I transfer to be taken out to save. This number ranges to whatever you decide. It’s great! If you’re looking to take money out of Qapital you can then transfer the money from the app back into your account if you find you’re low on money or if you would like to withdraw the money and save it on the side in cash or if you decide to put the money into use, it’s free! Not a lot of free things are great but this one is, surprisingly so try it out if you get the chance to.KatelynAndVersion: 2.51.0

✓ For the reluctant saverIt’s easy, fast, and has enough safeguards to keep me from going over. I joined when it was free, but did end up converting to the top membership option, due to the proof of what I was able to save in the first two years. Now I use it for investments as well as savings. It’s nice to actually be able to keep finances separate from my regular account that I use often. For the savings account, I have easy access, in case I need to make a withdrawal and I have had to do so. You also have the option of a spend account with its own card. My favorite feature are the options for the WAY it triggers savings: connect it to specific uses, like every time you get coffee or fast food, or even each time you use the card. The latter is what I did, starting with just a dollar for every swipe and it added up fast! Now I’ve worked up to $5 per use, since I monitor much better than before and am no longer worried about overdrafts..RobotEvansVersion: 2.185.0

✓ Works as expectedBeen using it for a month now. Stuff really does add up but you definitely do see the money leaving your account. But I also have it set to take $20 out of my account every week as well as have the 52 week rule where it starts off with $1 on first week and increases by a dollar every week after that. I guess if I only had it on roundup I might not notice the money leaving my account. It’s nice if you want to save for small things up to like $500. But if you want to save for big things like international trips it will take a long time before you get to your goal if you’re just gonna use the round up rule. Unless you’re using your card like 15 times a day and round every purchase up to the nearest 5. Which I doubt many people do. It’s fun nonetheless to see your money add up with the satisfaction of eventually being able to pay for something. I think I like it because I don’t have strict discipline so it’s nice because the money leaves my account so I’m less likely to spend it but if you are good about saving your money I don’t think you will get much out of this app..Setu PatelVersion: 2.13.1

✓ 5 stars!!!I’ve always been awfully putting money away and saving it. I stumbled upon Qapital one day and decided to do some research. I love the idea of making up your own rules for saving money and now find myself excited every time I use my card and know the round up rule will take my change and store it away for me. I was skeptical as many are about giving my bank account info to anyone never mind an app. But after reading many online reviews and articles about the company, I decided to give it a shot. I’ve had nothing but an outstanding experience while using the app. I just ran into a snag over the past few days where the app was having trouble connecting with my bank. I opened a ticket to them and within minutes had an answer from SANDY asking me to try a few things. Within an hour or so everything was back up and running like nothing had happened! Great customer service! If you are looking to save for a wedding, a trip or even just to have extra money put away for emergencies this is the app! I can’t wait to get my Qapital Visa card in the mail and can’t wait for the Qapital Investing that is soon to come!.RyanBubbaPVersion: 2.13.1

✓ HyphybaeI was the worst saver before Qapital-aimless spending, no goal management. Qapital has allowed me to stay goal focused and make a dent into savings for things like an emergency fund, a downpayment and a fancy tent for burning man. While it took some getting used to, automating savings was what I needed and changes how I live-I see my bank account and I think I’m broke-but really Qapital is putting my money where my mouth is. I’m no longer talking about my wants but going after them and that feels good. Setting up rules based on my spending behavior makes me think twice before swiping at the register. Every time I make a gas purchase, I put a little more into my car maintenance fund just in case I might need it down the line. The best part is when you get settled with Qapital and see your savings stack- it’s addicting! You can actually visualize your goals-manifestation baby. If I had some critiques of the app it would be that it isn’t a high yield savings account and your money isn’t growing based on the any interest earned on the account itself-just your hard work. Now that I’m approaching 10k I need to start looking into a more permanent solution but Qapital showed me that I have what it takes to actually save..HyphybaeVersion: 2.145.0

✓ All you need is qapitalThis is essentially a savings account but a more rewarding one. Daily updates and notifications (that are not annoying, more like exciting). Setting silly goals, for serious money. I was unaware of how much money I could really save until about 3 months in to using this app. Though there is a lot of other competition, qapital wins every time because they have the ability to support my account that stands with a small local bank, as other apps do not. Every review must have a down side or a flaw.. the only minor problem for me is that transferring money back into my normal account, while it states it'll be there in 2 business days, for me takes 3 to 4 days on average .. may be a small problem or wake up call for a procrastinator user. I highly recommend this to all my friends and it's very user friendly. Every time you sell this idea to your friends or family and get them to download it, qapital will pay you 5 whole dollars per person... that is a Starbucks frapp babbyyy. Ive treated myself to 3 free Starbucks drinks so far... my future is looking bright..ThegirlalyssaVersion: 2.96.0

✓ Very helpfulI’ve been using Qapital for years now and I have found it so helpful. Admittedly, I’m not naturally the best with money. For most of my adult life I’ve settled for living paycheck to paycheck with no cushion. However, with Qapital, I’ve been able to save significant amounts of cash, by creating realistic, achievable goals. The app itself is pretty simple and intuitive, and improving from time to time. The concept itself, while also simple, is very effective. Having goals helps to create a savings target, and putting money towards each goal gives you a sense of momentum. Instead of just saving aimlessly, or saving some huge number for, say, a down payment on a house, smaller goals create that momentum and encourage my savings habits. Lastly, and this isn’t really so much about the app as it is about saving in general — money doesn’t buy happiness, but it does provide you with peace of mind and freedom. Peace of mind knowing the last dollar in your checking account isn’t the last dollar to your name. And freedom to enjoy life without the stress or pressure of feeling like you’re always just “getting by.” I can’t recommend getting into that mindset enough, and I can genuinely say that Qapital has been so very helpful for me, in that regard..KEA8688Version: 2.136.0

✓ Love the app but not for college kidsI love this app but something keeps getting on my nerves. I got the app because it looked great and easy and had great reviews and for the most part I agree. I have to say that when I can use it I have no issues and I love the customization, the issue is I can only sometimes use it. I’m in college so my debit card is usually working on around an $80 balance with some days right after a paycheck when I have over $100. The issue is Qapital has a mandatory, non-customizable overdraft protection. HUGE ISSUE. For college kids and some others who keep low balances on their debit cards Qapital wont let you save. My account is set up so I’m only saving in small amounts at a time (never more than $10 on a single transaction) so I don’t really need overdraft protection to kick in at $100. I love this app and I wish they would get rid of this feature or at least change it to automatically calculate the perfect protection for your savings type or let each person choose when they want it to kick in. I want to use the app more but right now I’m saving about once a month and it’s not doing much for me :(.PbaldacciVersion: 2.20.0

✓ Great for learning to save money!I’m a debit card baby so spending money has always been way too easy. If I have money in my bank account, I can spend it right? It was an awful habit! Money was just way too easy to move around on my banking app. So if I wanted to spend a little extra money this week, it was as simple as opening an app and transferring the money instantaneously from my savings to my checking account. Qapital helped me create new habits, and so easily. I just set my goals on Qapital, set my rules up and then every time I got paid money was going directly out of my bank account and towards my savings goals in Qapital based on the rules I had set. Because of this app, my now husband and I were able to save up enough money to buy a house and pay for a wedding at only 23 years old. The investing account makes investing easy and puts our money to work for us so it’s not just sitting there and losing out to inflation. I love Qapital and would highly recommend it to anyone looking to create healthy saving and spending habits..Unhappy Costumer 27Version: 2.222.0

✓ Out of Sight, Out Of Mind, In My BankQapital is an easy way to save your money without you having todo anything. I’m pretty sure I’m like everyone else who does bank balance banking with their money, meaning whatever you see in your bank account is going to be spent on some thing(bills, student loans, overpriced coffee, you know who I’m talking about, etc.) instead of being saved. But I set my Qapital to take out small increments from each of my paychecks and I use their saving options/rule that I can set my savings account such as their 52 rule which through the course of a year, which is 52 weeks, the saving program will save the dollar amount of the numbered week that it’s saving in until it reaches week 52. At 52 weeks, you would have just over $1300, without you having to do anything but let the rule run. For someone like me who has a hard time saving money and struggles with the money I do get cough teacher salary cough. Qapital has really made it easy to save and I’m still able to manage the money I do have even with those small increments being withdrawn..Junkie's spoonVersion: 2.166.0

✓ This app is great for people that aren’t so great at saving on their ownI have had Qapital for around two years now. I got in before they started charging for it, which I think is a total bummer and almost worth knocking a star. Almost. This app is a passive way of setting money aside where you don’t notice it leaving your bank account. Don’t use this app in place of things like your Roth or 401k, this has a different purpose. Setting roundup rules and “reward” rules will get you plenty set aside after a few weeks. That encourages you to set bigger rules, like automated garnishes from your biweekly/monthly paychecks. I set up a coffee shop rule and after 4 weeks of seeing how much I was spending on that, I quit coffee shops 100%. The amount of money I’ve saved using this would be worth the monthly fee they’re charging now. Luckily, I have not incurred those charges because I have had it for so long. I’m sure there are other apps doing the same thing. If there are any that have decent reviews and don’t charge a fee, maybe try that first..SarahrsmithVersion: 2.77.0

✓ Great Way to Save Without Noticing!Have you ever been to the grocery store ans they say, would you like to round up for charity X? And you probably say, “Sure.” because it’s 17 cents so who cares. I always thought that was such an easy, inexpensive request that was hard probably hard to refuse and that got me thinking, is there an app for that? Well yes, there are: you can donate to charity or to an investment portfolio but Qapital is the only one I was able to find where you could save the money for yourself. All about charity and definitely donate to your favorite causes but if you also want to build up a cushion for yourself, this is the way to do it. You can set up goals, save towards multiple things and set rules for how often or how much is transferred with each transaction. Round up to the next dollar or two. You will be shocked how quickly that money builds up without noticing - every month or two I’ll check the account and be shocked! This is money you would have just spent anyway and, at a couple of cents or $1.99 from each transaction going to this account with nothing required from you, you don’t even notice it’s gone. I highly recommended!.JesrvVersion: 2.155.0

✓ Great for budgeting and for the self-employedI’ve had Qapital for 3 months now and I can safely say that this is the most useful app I have for my life. This is the first review I’ve ever made for an app, because it’s that good. I am self employed and have always been bad at putting money away for taxes, and started off using this app for just that. Now I use it to put money aside and budget for everything. I’ve never been this good with managing my money before. Since I automatically put a percentage or a dollar amount away for different bills or goals, it’s been way easier to be on top of things. I’ve managed to pay off a credit card I’ve been trying to pay off for two years, have all my tax money prepared for the year, have a rainy day fund and vacation fund set up. In just 3 months I’ve saved over $3000 towards my goals, without even thinking about it, AND paid off all the bills I needed to pay each month. I haven’t used their investment features yet, but for what I’ve been using it for so far it has been amazing..Jazmyne BisqueraVersion: 2.218.0

✓ Great app!I love this app. I didn’t realize how easy it is to have a few hundred dollars saved in a month by using the round up rule. I haven’t been putting any money in my savings because I feel like I haven’t had any extra lately. This makes that possible. The only reason I gave this 4 stars is because this app doesn’t make small transactions throughout the week; rather, it adds it all up and takes out a big chunk at the end of the week. I would much rather see 35 mini transactions throughout the week vs. 1 large one. Having it all taken out at the end of the week just feels like another bill. And it’s harder on my bank account. Since I have several savings goals set up, and they all have different rules, and it’s hard to see how much will be taken out when they’re all added up. Sometimes it’s $30, sometimes it’s $150. I don’t like being surprised when I see $150 suddenly taken out of my bank account. I cut it pretty close to overdraft some weeks, and I feel like small transactions would prevent this, as I’d see it coming from farther away..TraceyGlVersion: 2.70.0

✓ I love this appThis app has helped me so much and in so many ways. I am usually the type of person who wants to save money but have a hard time doing it on my own. I love the different features, especially the ones you can round up the dollar amount and fund it for specific accounts. Next year I have to attend three different weddings and a family reunion, which is a cruise. One of the wedding is my mother’s and the other is my own. I would have NEVER been able to save without this app helping me to be discipline. The one thing I also love is if I have an emergency (which I did, my ac went out this summer ☹️) I was able to borrow from here and not be charged a processing fee if I wait 24 hours. Plus, them money was safe and it was very helpful to complete this project without going to the bank and breaking my pockets to get the ac fixed. Plus the money was available only because I started saving with this app! Thank you to the creators of this wonderful app. I currently have not received my card in the mail, but I’m ok with that because it keeps me more disciplined without it and makes me double check my true intentions when it comes to spending unnecessary money..Sthomas0684Version: 2.90.0

✓ You would be a fool not to try this app!!!!!Ok I’m not good at saving but this app does it for you seriously!!!!! Try try try. It is not complicated. Try try this app. If you have never been good at saving then this app is seriously for you especially if your married like me!!! Men like to deny that there wife basically control the money in the family because let’s face it most women are way better with money than us men!! But this saves for me and it’s money she can not TOUCH!!! So now I can save for all my silly hobbies she gives me 💩 about!! So far loving this app and I would have no problem paying a fee in the future if they put one in place! Yeah I forgot about that Quapital is FREE yes FREE So you def need to try. I do however wish they had a way to invest my savings in stocks and ETF-exchange traded funds?? If they had that feature then this app would be amazing and I would no longer need my other app for investing, I would be able to do it all in one. Maybe if they partnered with a brokerage firm like Vanguard?.AncientfreemasonVersion: 2.49.0

✓ Budgeting made easierI’ve grown grateful for Qapital. I’m the sort of person who feels money burning through my pocket. So when my checking account says I have money, I get excited and I spend it. Qapital gives me the ability to see what I actually have for spending money and set different goals for future purchases or monthly expenditures like rent. For example, I get a paycheck eve try two weeks. So half of my rent needs to come from each paycheck. I set up a rule that every time I get a paycheck, a percentage of it (half of my rent) gets saved to my “Rent” goal. At the end of the month I put the money from the rent goal into my spending account and my autopay will pull the money on the first. I can do that with future expenses too, like I’m going on vacation. So I figured out how much money I wanted to have accessible by the time I was on vacation, figured out how many paychecks until that date, and set up a rule to save the money from each paycheck to get me to the total spendable money for my vacation. This helps me not spend the money that has a future use. I can see when I’ve overspent a previous month because my spending account will be lower than I like. So if you’re like me and need to see the actual amount of money that you can use, this app is for you!.Lily_callaVersion: 2.114.0

✓ Cherylb61I started using the Qapital App right after it's inception. I am in my mid fifties and have a great career but have had difficulty truly saving money like I should. When I came across the Qaptial App and did what research at that time was available I knew this was a good tool for me. Since then the Qaptail app has really exploded and grown in popularity. Since adding their latest addition with the Qaptal Debit Visa (which I just received) and am excited to start using! I cannot say enough great things about Qapital and how it has helped me save money like never before! Of course there has been some kinks and bugs along the way, as with anything new, but there CS Dept. has pretty much always been very responsive to assist me when needed. I was a little bit leary at first since Qapital only offered online assistance and no phone number, but again when needed they always have responded quickly (CS) when I has questions/issues. I know this is a very long review but I felt it was worth the time!! I highly recommend Qapital App to everyone!.Cherylb61Version: 2.42.1

✓ So far so goodUpdate: At this point I’ve used Qapital for almost 2 years and have saved for major life goals with the help of Qapital. I highly recommend this app for helping to make sure that you’re actually saving substantial parts of your income and investing over the long term. My investment accounts with Qapital perform better than any of my IRA or 401k accounts. I wish I could switch my investments and move them into Qapital. I’ve been using Qapital for about a month, and while I heard of the app years ago before they had a US banking partner, the service so far has been everything I expected. Qapital allows me to keep things really simple - I just want to round up all my purchases and save - and Qapital does just that. They don’t try to add or pitch me on investment products or portfolio management or continued cross-app integrations. I really like that aspect as well and it stands out from other apps in that regard. The only thing I haven’t done is save a substantial amount in accounts managed or connected to Qapital. I have some security and stability concerns. Would love to hear if anyone has over 5k or 10k being saved or invested in accounts associated with Qapital..MlultraVersion: 2.137.0

✓ This app is broken!So supposedly my bank account got unlinked but when I try to transfer my money from my Qapital savings to my checking account it shows that my checking account is non-existing, and the app tells me to link my bank account and when I do it shows my checking account. I click on my checking account and press the button “select funding account” and the button is blue and loads for about 1 second then turns blue as if I never pressed the button. I’ve tried resetting my app, logging out and back in, deleting the app, and selecting the button 100+ times and nothing is working ! I have no way of accessing the $100 in my Qapital savings account and if you don’t know, IT IS IMPOSSIBLE TO GET AHOLD OF THE QAPITAL SUPPORT TEAM. If you’re dealing with someone’s money, there should be an easy way to contact you if something isn’t right. UPDATE EDIT: So after 2 weeks the developers finally fixed my account, apparently it was frozen now I can say the app is a cool way to save money but just be aware of something happens you’ll have to wait about a week to get a response and for them to fix it!.David_ or djf_bossVersion: 2.28.1

✓ Just started using QapitalJust recently started using Qapital after some online research and reading user reviews. So far I really like the app and have saved over $50 in a couple of weeks. I am using this app along with Acorns and Digit so I have a few side savings spread across those apps. I started off with "set it and forget" sum and the "rounding up" feature, just to test how much I could save with just my spare change. You'd be surprised at how much you can rack up. I have a specific saving account set in Qapital for a trip my boyfriend and I are planning. Once we go on that trip I'll set up a new saving account in the app. I also like that the app gives you notifications on your savings. You can also see a more detailed breakdown within the app. I really like this app because I can be very hard to save when you have a lot of expenses. This is a nice way to set up a savings that does the work for you. And honestly you don't even notice or miss the change the app puts away for you. Definitely worth trying this app if you want to save money, even if it's just using the round up feature. this app proves that anyone can save some money on the side no matter your income..Phoenix_To_LAVersion: 2.79.0

✓ Almost PerfectThis app automates saving to make it simple and painless. You have to put a little thought into your set up - once that is done, it works pretty much seamlessly. Using the app I've been able to save much, much more than with several other systems. The app is intuitive / UX is good. The linkages with other accounts break very rarely - much much less frequently than on any other savings/investment automation app I've used. (Which is most of them.) The only reason I'm holding back that fifth star is that (as previous reviewers have mentioned) customer service can be spotty. When you have people's money you have to provide customer service that works. Response times are several hours too slow for my taste, but I did get a same day fix for an issue that occurred on Christmas Eve, so not bad. Hopefully weekend support can be added in the near future - the addition of a spending debit card really requires this. All in all, a fantastic app. Improve your customer service and I'll add that fifth star in a heartbeat..AlyctVersion: 2.61.0

✓ EASY PEASY LEMON SQUEEZE ! Cha ChingAs corny as that sounds, this app is absolutely fantastic. I always struggled to put money to the side because I didn't remember, I would push it off until my next paycheck or because I would spend it elsewhere. Qapital takes the hassle out of transferring money into a savings account and does it for you. It's absolutely rewarding when you see the savings just accumulate week after week. In a few months I was able to save over $1,000 which to me seemed impossible before Qapital. Trust me, this helps a lot. Need to save for a house, for vacation, for your family, for loans, or for those absolutely must have shoes?? This. Is. The. Way !!!! The rules are fantastic. I reward myself and save money by avoiding all the places I used to love going to, ahem, Starbucks! It's an incentive - what's more important, saving for that house or having that super delicious drink? I'll have to go with the house. TRUST ME. DOWNLOAD THE APP and see for yourself. Tell everyone you know as well !!!!.SpunkxVersion: 2.178.0

✓ Natural saver *long post*Read some reviews from ppl who aren’t typical savers so I figured I leave one from my natural saving perspective. I love this app because it’s exactly what I needed and very simple, user friendly. I love that you can set up your goals with a visual picture (similar to a vision board), really makes you want to save towards your goals more every time you open the app. I also love all the options at hand for HOW you want to save and how much. I have complete control over this which was very important to me because I know how important it is to save (no matter how little) when you can, especially when your finances fluctuate as much as mine do because I’m a student-veteran in college. Another thing is the transferring, I have an emergency fund I set up and it works as such, life throws lemons so I have my lemonade stashed in this app. The only CON/Downfall is that your money is not gaining interest while it’s sitting there. So if you just need an app to get you into the HABIT of saving again cause you’ve fallen off the consistency train, this is perfect but if you’re looking to save with some interest, stick to your bank and just get some discipline. I personally save my money through Qapital and then transfer the money to my accounts. Good luck and enjoy everyone!!.LaunicaShennyVersion: 2.61.0

✓ Essential for freelancers wanting to get finances in orderAs a freelancer whose income is inconsistent month to month, I have always had a tough time socking enough money away for taxes, savings, and retirement. I’ve tried other systems and apps, but each didn’t work for one reason or another. Qapital on the other hand has been a godsend. The flexibility of Qapital’s system has enabled me to fine-tune how my money is allocated as soon as it hits my bank account— with parts of all deposits getting earmarked for taxes, retirement, and savings. As a result I’ve been able to meet my estimated tax deadlines with ease and max out my IRA this year without any stress. I’ve even implemented some round-up rules to save some decent cash for travel (when that becomes a thing again!). All that being said, I do wish Qapital supported multiple source Bank accounts. Currently users can only have one account with which to employ their rules— which is inconvenient for people who spend from multiple sources. Hopefully multi-account support comes in the future..JaemazVersion: 2.162.0

✓ Nice way to start emergency fundI love using this app. Very easy to use. I just wish the deposits were more frequent. I use the set and forget rule added with round up rule. Picked to have $2 dollars a day, because who would notice just few dollars a day? Except, it builds up and then by the time it does come out it’s a big enough amount that I notice (at times over $60) I recommend getting the debit card. Otherwise, you’ll need to wait a few days for the money to be put back in your account, which is a pain if this is your emergency fund. Update: I have still been loving this app. I don’t really use it for savings. I take what I’ve earned each week from round up rule and transfer it to my debit card. Then that’s what I use for the week for lunch at work. The only thing I’ve seen change since I started using Qapital, was they now charge monthly fee. Not sure of the prices, I started using this so long ago that I was grandfathered in on the account type I was using. They still only deposit money in your account on certain days. But I did discover that if it’s starting to get higher then you really could afford, that you can go in and cancel pending deposits individually until you get down to the amount you’re wanting. And if your primary account gets down to a certain amount,(believe $150) then they will pause withdrawing from that account. Only reason for not giving 5 stars is because of their deposit schedule. Otherwise I love this app.ScivVersion: 2.160.0

✓ It’s funThis platform helps keep me on top of my savings. The rules are are straightforward however there is no way to set a date with the set and forget option. I’d like it to coordinate on my paydays but it comes several days after. No way to adjust as far as I can tell. There is a delay from when your rollover rule actually removes money from your bank account. This makes it hard to keep up with what’s coming out. I would like a freelance option of rules. Personally, whenever my work buys us lunch I rollover $5. It would be nice to create that rule myself. Maybe offering a weekly, monthly and annual spreadsheet I could see how much I’ve saved by my own rules. I also think as part of the application a beneficiary should be assigned before the account is open. I asked and received a lengthy explanation of how your heir would have to contact them and provide extensive proof they were indeed entitled to the money. A simple form at the front end could get your money into the hands of who you would intent it to go without hassle. I would hate to think this opportunity was overlooked on purpose. So far I like what I see, I’m still a bit skeptical to rollover much more than change and small amounts. But in two weeks I am $189 closer to Scotland!.2008JulianVersion: 2.119.0

✓ Love this appI *LOVE* this app. Easy to use, no fees (except ATM (use cash back, parentheses-ception!) and international), friendly UI, and the best is that any spending from the Qapital Spendings account (the Visa card Qapital issues you if you signed up for a checking, aka spending, account with them) is reflected INSTANTLY in the Qapital app, allowing me to track my spending as they’re happening. This prevents me from overdraft fees as well as better helps me budget. An exception I’ve noticed is when I’m electronically transferring funds from Qapital Spending to credit card company’s to pay my credit card dues. Still, that’s way better than my old account, which posted transactions 2-3 business days after they’ve occurred. Even if you don’t sign up for the Qapital Spending, it’s a great app to help you save without realizing it. Just gotta link your main bank account, and pick some rules that’ll go into effect, like “Round Up” which will round up any purchases and save the change, or “Set & Forget” which saves a certain amount in a set time interval. Give it a try!!.Gelatojustice876529Version: 2.18.0

✓ First time I’ve successfully saved money!!!This app has changed my life! I’ve never been able to save money. EVER. I have some credit card bills and some issues with my car that I’ve been meaning to pay off but I never save enough money to do so. I usually just spend whatever extra money I have on food or shopping! With this app I’m able to save without even thinking about it! It auto drafts $100 out of my account each month and now I have $400 saved up!!! One week I only had $200 in my account and the app wouldn’t take my $100 withdrawal out until I had more than $200 in my account (to prevent over draft fees) HOW COOL IS THAT?! I feel that the creators of this app truly care about people who have a difficult time saving money. Which is hard to find now in days. Most every company or app wants to charge you for their services but not these guys!!! I’ve told all my friends about this app and I hope they start using it and I hope you do too!! It’s customizable, easy to use, free and just flat out AMAZING! I’m so happy I found it. Thank you, thank you, thank you!!!.LlaauuureennnVersion: 2.8.0