1. 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).
2. Smarter shared finances: Designed for the way couples manage money together today, Qapital Dream Team™ lets you save toward shared Goals and see one another’s transactions without giving up your individual accounts.
3. 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 Google Pay, direct deposit with early access to your paycheck, and bill pay.
4. That’s why Qapital puts your Goals front and center, then helps you plan your spending, saving and investing around them.
5. Smarter investing: Qapital Invest is investing for people who like the idea of investing but don’t really know where to start.
6. 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.
7. Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC.
8. Qapital replaces spreadsheets with scientifically designed money tools that help you take charge of your entire financial universe.
9. Using behavioural science, we’ve developed a smarter money app that helps you reach your financial goals without changing the way you live.
10. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC.
11. Smarter spending: Our smart money manager will help you make sense of your weekly spending habits.
1. Its really cool to be at a store thinking about splurging on some stupid thing, and being able to instead easily transfer the what I would have spent into a savings goal in real time.
2. Emailed to cancel and then uninstalled the app Two years later I find out they've still been withdrawing the membership fee all this time and refuse to refund even though I clearly stopped using their service.
3. I found you can delete the the "qapital savings" which is with Wells Fargo apparently but when I select delete I just get an error or a spinning wheel that goes away with no confirmation the account is deleted.
4. The app will very clearly and easily show you the money there and you have full access to move it, withdraw, and there's options to help you put it in a savings goal.
5. The "you can't find my account" is only true if you are being intentionally lazy.I've been with Qapital for years, it's not bad in theory.
6. My only complaint is how much it tracks and how there's no way to exclude certain transactions (i.e. receiving money from someone for their half of the rent, transferring money between checking and savings accts, or paying off my credit card).
7. A few weeks ago I needed to provide a PDF of transaction activity and there was only the overall saved funds statement.After some initial issues the app is great, only problem is I wish the overdraft failsafe would be an optional feature instead of something that's forced upon you.
8. I tried to set up two savings plans but upon setting up the second savings plan, it didn't appear that I could use the same account for funding.
9. The issue lies when someone needs to access the money without a phone and your money is in savings.
10. Upon setting up my account I was given an option for a 3 tiered account subscription beginning with $3 monthly (which is what digit charged), next $6 & finally $12.
11. Maybe it's just me, but I don't think cancelling should be such a battle involving research, time, trial and error, and money loss.