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Stash

Investing, Saving, Banking

Stash offers a variety of savings automation features, including "Smart-Stash" funds that the app finds on behalf of you. Like Acorns, Stash includes investment products that users can tap into with their savings.

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What's unique

Stock-Back rewards

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What's to love

Stash Coach and challenges

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What isn't

Limited debit spending insights

5

/ 5

Klarna

Buy Now Pay Later

The Klarna app includes Wish Lists and pages for inspiration that allow users to plot their next BNPL purchase while managing the repayment of existing loans.

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What's unique

Track status of deliveries

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What's to love

Follow, save and search for individual products

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What isn't

No map to view stores that accept the virtual card

5

/ 5

Albert

Saving, Budgeting, Bills, Banking

Albert offers a best-in-class user experience, with intuitive navigation and user action. Alerts come in the form of "cards" and tend to be more relevant than those of other budgeting apps.

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What's unique

Genius money coach

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What's to love

Ultra-simple spend tracking

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What isn't

Lag in arrival of new transactions

5

/ 5

Mint

Budgeting, Bills

With Mint, you are empowered to customize and categorize transactions however you please, along with being able to access new transactions almost always same-day.

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What's unique

intSights money insights

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What's to love

Well-integrated bill pay

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What isn't

Polluted with advertisements

4.5

/ 5

Acorns

Saving, Investing

Acorns offers both savings automation and micro-investing services. To maximize savings from everyday purchases, Acorns' round-up feature includes a multiplier (up to 10x the regular amount).

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What's unique

Acorns Later retirement fund

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What's to love

"Found Money" partner program

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What isn't

Monthly service fee of $1

4.5

/ 5

Robinhood

Investing

The pioneer of zero commission trading, Robinhood has democratized investing. Users can buy fractional shares and place orders in seconds.

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What's unique

Free share of stock upon signup

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What's to love

No minimum balance to open an account

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What isn't

N/A

4.5

/ 5

Wealthfront

Investing

Wealthfront provides users personalized investment portfolio customized to their financial goals and risk tolerance

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What's unique

Cash account

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What's to love

Easily view all financial accounts beside investments

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What isn't

Inability to buy individual securities

4

/ 5

Afterpay

Buy Now Pay Later

Afterpay app's allows users to pay with BNPL in the app and view outstanding loans, along with the ability to apply for a virtual card that can be used in physical retail stores.

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What's unique

Flexibility to change payment due date

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What's to love

View total amount owed in next 15/30/60 days

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What isn't

Inability to use virtual card inside the app

4

/ 5

Digit

Saving

Goals are central to Digit's services, which range from paying off credit card debt to rainy day funds. In addition to the chat feature in the app, Digit also offers SMS as a medium to communicate with users on savings progress. Digit is

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What's unique

"Boosted" savings goals

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What's to love

1% savings bonuses

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What isn't

Monthly service fee of $2.99

4

/ 5

Empower

Banking, Budgeting

Empower offers maximum flexibility for categorizing transactions and offers just about every table stakes PFM feature. Notifications, however, could be more meaningful.

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What's unique

Boost cashback rewards

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What's to love

Customized spend tracking

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What isn't

Can't manually refresh accounts

4

/ 5

Affirm

Buy Now Pay Later

Affirm's app allows you to search for products and pay for them in installments, while also tracking outstanding loans and managing your repayment method.

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What's unique

In-app savings account

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What's to love

Access to detailed loan terms for each purchase

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What isn't

Shopping list is difficult to find

4

/ 5

Emma

Budgeting

With Emma, you can set custom budgets and track them by tagging your transactions

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What's unique

N/A

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What's to love

Visual nature of spending insights

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What isn't

N/A

4

/ 5

Qapital

Saving, Investing, Banking

One of the earliest saving automation apps on the market, the app offers three different savings plans. With its savings rules, Qapital offers a wide range of ways to save money.

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What's unique

Follow friends' savings progress

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What's to love

Widest array of savings options

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What isn't

Monthly fee of $3 for basic plan

3.5

/ 5

Joy

Saving, Budgeting

Joy lets you to assess your spending based on how purchases made you feel. Its chatbot, Gem, shares insights about your "happy spends" and helps you understand the financial tendencies of your personality.

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What's unique

Rating transactions

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What's to love

"Read" tab with tips and stories

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What isn't

Irrelevant rating questions

3.5

/ 5

Peak

Saving

The Peak app makes it easy to quickly understand where you stand against your savings goals, offering the standard set of scheduled deposits and round-up features.

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What's unique

Embedded "Northbound" blog

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What's to love

Peak 1.5% rewards

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What isn't

Monthly service fee of $2.99

3.5

/ 5

HoneyFi

Budgeting

HoneyFi helps couples account for their collective spending at a granular level. With the app, you and your partner can like, comment or tag a transaction based on who made the purchase.

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What's unique

Goals and emergency funds

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What's to love

Top-tier purchase classification

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What isn't

No rollover option in budgets

3.5

/ 5

Chime

Banking

Chime offers the standard set of digital-only banking features, from paying friends to automated savings. Thee app would benefit from a truly differentiated feature, other than an interest-free payday loan.

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What's unique

Get paid up to two days early

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What's to love

ChimeBot support for help

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What isn't

No external account aggregation

3

/ 5

Betterment

Investing

Betterment allows users to invest in portfolios aligned to their investing objectives and risk tolerance

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What's unique

Socially responsible portfolios

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What's to love

Minimum deposit of $10 to get started

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What isn't

Limited number of portfolio options

3

/ 5

Varo

Banking, Budgeting

Varo's user experience is sleek and intuitive but the app lacks hallmark features that separate it from the competition. Some basic spend categories, like fast food, are hard to find.

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What's unique

"Map" view of transactions

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What's to love

Easy and effective goal setting

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What isn't

Hard to find transactions screen

3

/ 5

Quadpay

Buy Now Pay Later

Quadpay allows users to split purchases into four bi-weekly payments

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What's unique

In-app customer support messaging

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What's to love

Simplicity of loan application

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What isn't

Transaction fee of $4

3

/ 5

Twine

Saving, Investing

Twine app specifically focuses on helping couples save for big goals and financial milestones, such as a wedding or down payment on a home.

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What's unique

Customized goal setting

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What's to love

Straightforward layout and use

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What isn't

Unintuitive partner invitations

2.5

/ 5

Aspiration

Banking, Saving, Investing

Aspiration's focus on helping people and the planet set it apart. Customers are able to make environmentally-conscious decisions by providing the resources to invest and/or shop at providers that support related causes.

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What's unique

Socially-driven mission

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What's to love

Track social impact of spending

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What isn't

No external account aggregation

2.5

/ 5

Nummo

Budgeting

Like Albert, Nummo's simplified layout makes it easy to visualize performance against budgets. The app, however, is squarely focused on managing spending.

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What's unique

Bubble budgeting views

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What's to love

Overall user-friendly interface

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What isn't

Tools limited to spending

2.5

/ 5

PayPal

Buy Now Pay Later, Banking, Mobile Wallet, P2P Pay

PayPal's Pay in 4 BNPL product is included in its standard wallet app.

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What's unique

Part of broader digital wallet

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What's to love

Simple view of orders

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What isn't

No in-app product search / shopping

2.5

/ 5

Status Money

Budgeting

Status Money caters to millennials' love for rewards by allowing users to cash in just for enrolling in new financial products while also helping you gauge spending by comparing to peers.

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What's unique

Rewards for bank enrollment

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What's to love

Web browser plug-in

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What isn't

Crowded views of spending

2.5

/ 5

PocketGuard

Budgeting

Pocket Guard offers a wide variety of budgeting features, ranging from spend visualization to subscription cancellation. Many features, however, require the paid version.

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What's unique

Monthly planning tab

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What's to love

Discovery of financial products

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What isn't

Some basic features aren't free

2

/ 5

Pluto Money

Budgeting, Saving

Pluto shines when it comes to setting goals, such as reducing spending in a certain category. Additionally, comparing spend against peers can help users who lack a sense of "what's normal".

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What's unique

Weekly & monthly "challenges"

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What's to love

Benchmarking versus peers

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What isn't

Limited spend categories

2

/ 5

Honeydue

Budgeting

Honeydue offers a basic version of every feature one might need for managing money with a partner, including a screen dedicated to chat, enabling seamless communication about finances.

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What's unique

Chat about transactions

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What's to love

Spending limits by category

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What isn't

Unintuitive app navigation

2

/ 5