79
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Qapital: Set & Forget Finances | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-5 Points Past 7 Days
Category: Finance
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30-Day Trend
 
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Android unitQ Score
Android User Feedback
15%
Android
12 Reports
iOS unitQ Score
iOS User Feedback
85%
iOS
69 Reports
User Feedback
85%
iOS
69 Reports
15%
Android
12 Reports
Qapital: Set & Forget Finances - Latest Quality Issues
iOS
Mar 6, 2024
Think twice before joining, Card never arrived….
If you just want to spend the $3 and use the basic features, that's cool and that is why I'm giving 1 star. HOWEVER, if your going to use the $6 month option that allows you the debit card, best of luck on the card ever arriving.. I just ended up withdrawing my money today and closing my account. After patiently waiting over 7 weeks, and still NO card, (yet they “claim” they've mailed it out to me 2 times now) they have jokes-now they want to offer to expedite it—yet the expedited process will still take about 5 days. Keep it. I'll keep my money with Wells Fargo and Chime, save my $6 fee, and just use the envelope method-which this is basically a paid virtual version of the method. Just fyi you can never actually speak to a human being.. you'll just be chatting with foreigners. Shame on you Qapital.
iOS
Mar 10, 2024
Actually saving money
I know I'm supposed to save money but with three kids, a mortgage, insurance, etc...I struggled. This has made it mindless. It's in a separate account so I don't see it. I've been able to create an emergency fund, which, in these times, is helping me breathe a little better. I took a star away though because they now charge fees to have an account. We're exempt from it because we've been part of it for so long, but I no longer recommend to others because of fees. My young adult children would love to use this program because we've had such success with it but when every penny counts, paying fees to save is just not worth it.
Android
Mar 14, 2024
Great customer service! The app isn't perfect with updating your account balance as quick as I would like it to, but it is a great app for saving my and having your money work for you.
iOS
Mar 16, 2024
This used to be amazing
The app used to be amazing; however, as a paid member, I am upset at how their algorithm is increasingly not as advertised. They say they'll deposit as it goes - but it's really batched. They also don't cover when they've done something to overdraw an account. I'm actively researching other options as Qapital is not accountable around the flaws in their system. Another company offers overdraft protection and so I'm going with a system that is more current and customer service friendly.
iOS
Mar 17, 2024
Best Savings App
I have tried a few different savings apps before, and many charged outrageous fees and were very limited in customization options. I love that Qapital doesn't cost much and allows me to create and edit my savings goals whenever I need to! It makes it fun and super easy with so many different ways to save for each goal. I have been using this for about five years now and have never once had an issue. Absolutely love and recommend to anyone that is serious about saving!
Android
Mar 20, 2024
This app was Stealing my money
iOS
Mar 20, 2024
Financial
Still taking money out of my account, even after I deleted the app. There taking my money from my actual bank out without my knowledge. I don't know why, I'm getting these payments but they need to stop. I have never purchased nothing from this app, so I don't know why they're charging me. I have called the bank twice to stop this payment. Stop charging me.
Android
Mar 21, 2024
Misrepresentation not authorized
Android
Mar 22, 2024
I have plenty of cash on my debit card but when I try to use it in a public store it never works!!! Ive tried using a pin and not using a pin it doesnt matter. What is wrong here??
Qapital: Set & Forget Finances - Product Description
Your goals, our scientific approach to helping you take charge of your finances… it’s a winning combination that’s already helped more than 2 million people start their journey toward money happiness.

Using behavioral science, we’ve developed a smarter money app that helps you reach your financial goals without changing the way you live. The best part – our approach works just as well for couples as individuals.

And because we know just how hard (and boring) it is to stick to saving and budgeting plans, Qapital’s checking, saving and investing tools do the heavy lifting for you – automatically.  

*****

Qapital is built on the idea that money happiness is personal. That’s why Qapital puts your Goals front and center, then helps you plan your spending, saving and investing around them. And you don’t need to give up your existing bank account.

1. Stop budgeting, start Qapitalizing
Let’s face it, traditional budgeting simply doesn’t work for most people. Life gets in the way, or we see something we suddenly can’t live without – we’ve all been there. Qapital replaces spreadsheets with scientifically designed money tools that help you take charge of your entire financial universe.

2. Pay yourself first with Payday DivvyTM
The Qapital effect starts the moment you get paid – Payday Divvy automatically divides up your paycheck between short- and long-term goals, bills and discretionary spending (don’t worry, your money is always available to cover unforeseen expenses).

3. Build successful money habits that last
Big picture in place, Qapital gets to work on the details. Spending Sweet Spot makes it easy to adjust your spending week by week while still helping you save automatically toward your Goals. And it all works by leveraging the habits you have – rather than expecting you to start new ones.

Smarter checking: Our FDIC-insured checking account gives you instant access to savings balances, instant free transfers from savings Goals, a Visa® debit card that works with Apple Pay & Google Pay, direct deposit with early access to your paycheck, and bill pay. All without any of the hidden fees regular banks saddle you with.

Smarter spending: Our smart money manager will help you make sense of your weekly spending habits. Discover how you spend, and you'll learn where to save.

Smarter saving: Set your savings Goals then use our smart Rules to save toward them automatically.   And use our integration with the Apple Health app to save money toward your Goals when you reach your target for Walk or Run Distance, Steps, or Workouts. You can also customize your own Rules with our IFTTT integration (we have a few to get you started). All FDIC-insured up to $250,000.

Smarter shared finances: Designed for the way couples manage money together today, Qapital Dream TeamTM lets you save toward shared Goals and see one another’s transactions without giving up your individual accounts.

Smarter investing: Qapital Invest is investing for people who like the idea of investing but don’t really know where to start. Set your Goals, pick a portfolio and a timeline, and then leave the nitty gritty to us. Smart.

QAPITAL, QAPITAL INVEST and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2022 Qapital, LLC. All Rights Reserved. Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC.

Qapital Invest LLC (“Qapital Invest”) is an SEC Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Investing involves risk; you may lose money, including loss of principal. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured but protected by SIPC.
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