How Qapital Works

Qapital is a complete financial solution, allowing you to stick to your money goals, save and invest for the future, and spend confidently in the present, all in one seamless app. Your Qapital Goals account helps you meet your Savings Goals -- just connect your funding account, choose Goals you would like to save toward, and apply Rules that automatically send money toward your Goals. The money in your Qapital Goals account is FDIC-insured and held with one of our partner banks.

Your Qapital Spending account, which links to the Qapital Visa® Debit Card, is a checking account in your name held with our partner bank. With unique features and tools, it helps you stay on track with your weekly spending. There are no account setup or overdraft fees. You have unlimited immediate transfers to and from your Qapital Goals account, and you can set up direct deposit to fund your Spending account or transfer money directly to and from your funding account.

Your Qapital Invest account helps you reach your long-term Goals. When you make an investment Goal, your money is held in an ETF portfolio based on the risk level you are most comfortable with. Putting money into a diversified portfolio of stocks and bonds gives you the benefit of compounding -- letting your money make you money -- and the opportunity for long-term growth.

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