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Qapital vs Acorns

Qapital is a mobile app that makes saving money fun and automatic with custom rules. Good for those who have trouble saving. How does it compare to Acorns? Read our comparison chart below.

Qapital aims to make saving effortless and fun. This microsaving app automatically saves money for you when certain "rules" are triggered. You can choose to deposit the savings into any of your goals. The app is completely free to use and there is no minimum to open.

While Acorns is geared towards young investors who have trouble saving. This investment app automatically rounds up and invests your spare change whenever you make a purchase. The service fee starts at $1/month for accounts under $5,000. There is no minimum to open.

Compare Qapital with Acorns, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 QapitalAcorns
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Qapital

Acorns

SPECIAL OFFER
Get Qapital App - Learn More

Read Qapital Review

SPECIAL OFFER
$10 Sign-Up Bonus - Learn More

Read Acorns Review

 

Benefits and Features

Stock Trading Part of service fee. No add-on trading fees.
Savings
Yes
No
Annual FeeBasic: $3/mo; Complete: $6/mo; Master: $12/mo$1/mo for Acorns; $2/mo for Acorns + Acorns Later; $3/mo for Acorns + Acorns Later + Acorns Spend
Minimum Deposit
$0
$0
Checking
Yes
Yes
Phone Support
No
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors 
No
Assets Under Management 
$1 Billion
Tax Loss Harvesting 
No
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
No
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
Banking $3/mo for Acorns + Acorns Later + Acorns Spend checking. Free debit card, no minimum balance, no overdraft fees, and unlimited free or fee-reimbursed ATMs nationwide.
Mobile App
Yes
Yes
Single Stock Diversification 
No
Fractional Shares 
Yes
Taxable Accounts
No
Yes
401k Plans
No
No
IRA Accounts
No
Yes
Roth IRA Accounts
No
Yes
SEP IRA Accounts
No
Yes
Trust Accounts
No
No
529 Plans
No
No
 

CreditDonkey® Reviews

 QapitalAcorns
Annual Fee
Minimum Deposit
Customer Service
Pros & ConsPros:
  • No minimum balance
  • Rules-triggered savings
Cons:
  • No interest
  • Only available on a smartphone
  • No phone support
Pros:
  • No minimum investment
  • Invest with spare change
  • Found Money program
Cons:
  • Fees are high for small balances
  • No tax benefits
  • Limited investment options
Bottom LineMobile app that makes saving money fun and automatic with custom rules. Good for those who have trouble saving... Read full reviewInvestment app that automatically invests your spare change. Good for young investors to get into the habit... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Qapital: Pricing information from published website as of 07/02/2018

Acorns: Pricing information from published website as of 07/11/2019.

Which is Better: Qapital or Acorns?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Qapital or Ally Invest.

In short: Qapital's annual fee is worth mentioning.


Articles on Qapital


Articles on Acorns


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