For instance, you could set up a guilty pleasure rule so the app stashes money into your savings every time you buy takeout. Qapital also aims to help you save small amounts of money effortlessly, but with a twist: It lets users set up so-called savings rules. Cost: Free for 30 days, then $5 per month.Best for: Outsourcing savings decisions.It was acquired by fintech company Oportun in 2021. Prior to March 2023, the app’s name was Digit. Your money is held at a partner bank insured by the Federal Deposit Insurance Corporation (FDIC), so you’re protected up to $250,000 per depositor, per bank, for each account ownership category. If you attempt a transaction that would otherwise overdraw your account, Oportun usually will simply decline the transaction without charging a fee. If Oportun determines that you can’t spare any money, it won’t withdraw anything until you’re in a safer position to save. For that fee, you’ll get its auto-savings feature as well as the ability to use the app to pay down credit card debt and establish savings goals. Oportun is a good option for those who identify as spenders, not savers, and who like outsourcing decisions.Īfter a free 30-day trial, Oportun charges subscribers $5 a month. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.ī is an independent, advertising-supported publisher and comparison service. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. ![]() So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions. Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. We do not include the universe of companies or financial offers that may be available to you.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. But this compensation does not influence the information we publish, or the reviews that you see on this site. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. ![]() ![]() Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. We are an independent, advertising-supported comparison service.
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