Facebook_pixel
Acorns - Invest Spare Change

Acorns - Invest Spare Change

Acorns

Join over 9 million people and start investing your spare change with Acorns!

4.7 Ratings 862K+ Reviews 5M+ Downloads
Featured on Must-Have Apps for Personal Finance for Beginners

About Acorns - Invest Spare Change

Join over 9 million people and start investing your spare change with Acorns!
see more about Acorns - Invest Spare Change

Ratings & Reviews

4.7
862.4K+ Ratings
  1. 5
    82+%
  2. 4
    11+%
  3. 3
    3+%
  4. 2
    1+%
  5. 1
    3+%
Write a Review
  • Very good app and experience Feb 11, 2021

    By Yaser Awad
    I have used this app multiple times, and its helpful, easy to use with great UiI
    img AppGrooves User
  • Easiest Way To Invest. Nov 7, 2020

    By 460BigBlock
    I’m honestly new to this whole investing thing. I’m in my early 20’s but I want to have a decent future set for myself when the time comes so I finally started one of these and it’s the best thing ever. The app is super easy to use and navigate, it’s all easily broken down to where you can understand things and it’s perfect for someone, who like me, doesn’t make much every year. It’s a set it and forget it type of thing to where you can literally just have it pull $5 from your bank every week and add it to your portfolio and let it build itself. I’ve only been using the app for the last few weeks but I’ve already got up to $40 so far on my investing portfolio. Granted they came from the $5 weekly depository from my bank but if you have the patience and can deal with losing some money one day and making it back the next, this is perfect. It takes all the guess work out and they take care of it for you. You just have to add the money in. Every dollar you invest is divided into a percentage based on your portfolio on what it gets split into. I had my first dividends payment, granted it was only 2¢ but that shows that one do the AGG companies my money goes to made a profit and is paying me back for giving them money. This is the best and perfect app to start setting up for a retirement too. If you’re wanting to try and set a stable future for yourself, this is the way to do it.
    more
  • Mar 1, 2021

    By Jacqui Ditmars
    I really like this investment strategy and it helped that the tag line was catchy! I feel that this company appeals to those that would not otherwise be able to invest and the information that they have available and the guided account setup all give the impression that your everyday "Joe" can invest. They don't over-promise and I think the app is easy to navigate, with nice features and a good feel. Well done.
    more
  • Great idea, great app Mar 29, 2020

    By Nettle11
    Pay no attention to any negative reviews. They come from sheer ignorance. For anyone that puts $5 in and gets mad because it takes a couple days to transfer it back to your bank..THIS IS NOT A BANKING APP. For anyone who puts $5 in and gets mad because they lose money..it’s not the apps fault, that’s called risk that comes with investing, this is designed for the long haul and you will make money long term. For anyone that gets mad because it made you overdraft your checking account..the app didn’t do that, you did. Learn how to balance and keep up with your checking account. If a handful of bucks a week causes you to overdraft, you don’t know how to manage your money. I started using this as a “supplementary retirement account” to go along with my 401k and I love it. I started putting a few bucks in here and there along with the roundups and now I’m addicted to putting as much money in as possible. It has that affect that inspires you to save more money for the future. Yes, the market is tanking as I write this and I’m actually losing money at the moment. But again, this is best used for long term investing. If you put $20 bucks in and need to pull it back out 2 weeks later, it’s not the app for you. If you can discipline yourself to putting in money and leaving it alone for at least 5-10 years, it great! Five stars.
    more
  • Mar 1, 2021

    By Dustin Bell
    Some accounts become unlinked entirely too often. Lack of visibility into holdings with limited control could be improved, but it is a simple service that serves a purpose. A little expensive for what it does and could do so much more, but I appreciate how easy it is to forget it is even here which helps keep money in the account.
    more
  • Feb 26, 2021

    By Mark Spiers
    Horrible. Just plain horrible. I put some money in the apps early investment section for my kids the funds have cleared my bank days ago but the app shows that their balances are zero. And there is no customer support just an unattended email box. The transactions are very slow. One star until they make things right or give me back my kids money.
    more
  • Okay-ish. Jun 20, 2020

    By awsedrftgyhh
    I’ve been a member since 2019 and for the most part I’m okay with the app. One thing that truly gets under my skin is that I can’t review my statements from the app. I have to physically get on a desktop computer in order to see my statements. It’s quite annoying considering I don’t always have a desktop around when I’m doing my finances. You cant go online from your phone and do it, you have to use a desktop. I’m not sure why it’s set up that way, but it’s annoying. Also, I have used Robinhood for 2 months, and in those 2 months I gained over $70 in stocks/investing. Whereas I’ve had Acorns for almost a year and the most I ever gained in investing is $35. I have waaaay more money in Acorns than I do in Robinhood, yet I managed to make more with less. Idk what Acorns is doing with my money, but it’s not really investing the way it can. I’m thinking of canceling Acorns because it’s honestly not working for me anymore. I think the best feature is the roundup investments, it lets me save by keeping the change. However, my personal bank does the same. It seemed like a good app when I first got it, but now I’m feeling like it’s not putting my money to good use. Plus, needing me to log onto a desktop just to see my statements is, once again, very annoying. Most apps, whether it’s a bank or another investing app, provide you with your statements without having to do the extra work. Why are they being so extra? Why are they not investing my money properly? Idk..
    more
  • Feb 17, 2021

    By Katie Sterling
    It makes investing money easy. I can hook it up to my bank account and it automatically rounds up my debit purchases and invests the extra change. I save money without even noticing it's gone. I gave 3 stars because they're always the last form I receive. I've had everything else for a week and am held up waiting on Acorns. EDIT: changed to one star. Two years later and still same problems. Now they say March! Taking my money to a company that's a bit more competent.
    more
  • the app that stole christmas 🗣 Dec 10, 2019

    By misshoward_
    I only gave it 1 star because 0 was not an option. I downloaded this app because I thought it was like the app dave that gives you a payday loan. Upon making an account and linking my bank account, I realized what this app was actually for. I opted in for the app to round up each purchase to the nearest dollar and for reoccurring $5 investment each week. After the first week, I realized I do not actually care to invest and wanted to delete the app. I couldn’t quite figure out how to unlink my bank or delete my account to prevent any withdrawals from my account from occurring. I found a setting that allowed me to turn off all investments. So it wasn’t supposed to pull from my bank account at all indefinitely, as long as I did not turn it back on. I checked my bank account today and saw that I was $35 IN THE NEGATIVES. I have over-drafted and will have fees assessed once the bank opens in the morning. I’m very upset that they continued to take my money after I opted out. And $35 is way more than change from rounding up my recent purchases to the next dollar plus $5 for the week. I also cannot figure out where these investments go nor how to withdrawal them. So I have essentially been robbed. Do not use this app if you understand the importance of money. I did not have $65+ to lose for no reason. This app will take your money without consent and claim to be investing in you but not allow you to get it back!!!!🥴🙄🤦🏻‍♀️
    more
  • Feb 21, 2021

    By Renata Roberts
    This app sucks. Many friends with I phones suggested this app for me to start saving but each time I tried to sign up I get an error that something is wrong with the server. This makes me feel like my banking account information has been compromised. I tried 5 times to link my bank to my account with no success. If I could give no stars I would!
    more
  1. Just $5 a day saves you almost $2,000 a year! Automatically invest spare change from every purchase into over 7,000 stocks and bonds
  2. SIPC protection up to $500,000 and 256-bit encryption keeps your financial information safe and secure
  3. “Acorns offers a unique solution to overcoming the mental barrier: ‘I just don’t have enough money to be investing.’” - US News

Reviewed by Laura S on January 11, 2018

  • Very good app and experience Feb 11, 2021

    By Yaser Awad
    I have used this app multiple times, and its helpful, easy to use with great UiI
    img AppGrooves User
  • Easiest Way To Invest. Nov 7, 2020

    By 460BigBlock
    I’m honestly new to this whole investing thing. I’m in my early 20’s but I want to have a decent future set for myself when the time comes so I finally started one of these and it’s the best thing ever. The app is super easy to use and navigate, it’s all easily broken down to where you can understand things and it’s perfect for someone, who like me, doesn’t make much every year. It’s a set it and forget it type of thing to where you can literally just have it pull $5 from your bank every week and add it to your portfolio and let it build itself. I’ve only been using the app for the last few weeks but I’ve already got up to $40 so far on my investing portfolio. Granted they came from the $5 weekly depository from my bank but if you have the patience and can deal with losing some money one day and making it back the next, this is perfect. It takes all the guess work out and they take care of it for you. You just have to add the money in. Every dollar you invest is divided into a percentage based on your portfolio on what it gets split into. I had my first dividends payment, granted it was only 2¢ but that shows that one do the AGG companies my money goes to made a profit and is paying me back for giving them money. This is the best and perfect app to start setting up for a retirement too. If you’re wanting to try and set a stable future for yourself, this is the way to do it.
    more
  • Mar 1, 2021

    By Jacqui Ditmars
    I really like this investment strategy and it helped that the tag line was catchy! I feel that this company appeals to those that would not otherwise be able to invest and the information that they have available and the guided account setup all give the impression that your everyday "Joe" can invest. They don't over-promise and I think the app is easy to navigate, with nice features and a good feel. Well done.
    more
  • Great idea, great app Mar 29, 2020

    By Nettle11
    Pay no attention to any negative reviews. They come from sheer ignorance. For anyone that puts $5 in and gets mad because it takes a couple days to transfer it back to your bank..THIS IS NOT A BANKING APP. For anyone who puts $5 in and gets mad because they lose money..it’s not the apps fault, that’s called risk that comes with investing, this is designed for the long haul and you will make money long term. For anyone that gets mad because it made you overdraft your checking account..the app didn’t do that, you did. Learn how to balance and keep up with your checking account. If a handful of bucks a week causes you to overdraft, you don’t know how to manage your money. I started using this as a “supplementary retirement account” to go along with my 401k and I love it. I started putting a few bucks in here and there along with the roundups and now I’m addicted to putting as much money in as possible. It has that affect that inspires you to save more money for the future. Yes, the market is tanking as I write this and I’m actually losing money at the moment. But again, this is best used for long term investing. If you put $20 bucks in and need to pull it back out 2 weeks later, it’s not the app for you. If you can discipline yourself to putting in money and leaving it alone for at least 5-10 years, it great! Five stars.
    more
  • Easy Saving and Investing for LONG TERM Mar 10, 2019

    By aToMiCTaRDiS
    First of all, markets fluctuate and gains are usually better for 1y+ (also you pay more taxes on short term investments) I wouldn’t start up if you have less than $100 to put in because your fee of $1 with absolutely negate any earned almost 100%. But for relatively cheap your savings have the potential to earn. There’s a $1 monthly fee for their “core” account. $2 for “later”. And $3 for “spend”. I find it hard to find money to save usually. However, with Acorns I find it motivating to track the balance and unlike a traditional savings with your bank your money cannot just be transferred immediately as it takes 3-6 days to receive your money, so you can’t impulse spend it. I just made my first investment that they’re going to allocate into RTFs highlighted by portfolio. I went moderately aggressive, and I will try to update every now and then. Dividends are paid quarterly for the stocks and monthly for the bonds. If anything it’s better than the savings accounts most offer with a monthly fee of $3 with balances less than $50 or $200 as there is no minimum account balance penalty, just a minimum of $5 to start investing.
    more
  • Mar 1, 2021

    By Dustin Bell
    Some accounts become unlinked entirely too often. Lack of visibility into holdings with limited control could be improved, but it is a simple service that serves a purpose. A little expensive for what it does and could do so much more, but I appreciate how easy it is to forget it is even here which helps keep money in the account.
    more
  • Acorns App is convenient! Nov 21, 2019

    By Brodard1225876
    Love the app and know they are improving it regularly. Gives less educated and new investors a place to start with less risk than other investment vehicles. It is super convenient and easy to use. Wish the recurring investments could be set up on specific dates as well as bi-weekly as millions of people don’t get paid every week and don’t always have funds in their accounts. Also, it can cause overdraft fees. It would be nice if for some reason there was no funds it didn’t still pull from your checking account. This happened to me as I have recurring investments set up and for example it pulls out each Friday. I have checked my tab that says “past” where you can see pending payments. It is Wednesday now and for some reason I don’t see it on there. Therefore I don’t know when it is going to hit my account. If you have lots of money which I think the target customer Acorn is shooting towards is millennials who don’t always have a bunch of money saved! With that said...I know and see the constant improvements and as the company grows. I have confidence that updates and improvements will occur. An example is they are working on “real time” investing right now and communicate that through their app. It will get a 5 star from me in the future and I will change my rating! Hope this helps the consumer and also the company improve the app!
    more
  • No Feedback on Account Setup Dec 9, 2017

    By luisjr87
    Acorns has since solved my problem, turns out they were simply experiencing a serious backlog to new accounts looking forward to the weeks ahead to see how much I can round up on my card transactions. —— old review below—- Like everyone I was very excited to start rounding up sadly I never had the opportunity to experience any of the feature sets Acorns has to offer. The account setup was pretty easy and enjoyable although finding out after signing my certificate that it still would take 1 - 3 business days to verify my account was a bit disappointing but I get it. Here is where Acorns fell short, till this day 5 days later it still says I need to wait 1 - 3 business days for my account to be setup, uh hello it’s been 5 days! Like any American on day 3 I picked up the phone and called support, I was on the phone for about an hour before I got disconnected due to interruptions in service. I also tried email support but have heard nothing, no confirmation to my email over my support ticket nothing, maybe somethings up with my email but at this point I would prefer to speak with a human being and I think any service offering to make transactions from your bank account should support quick and easy customer service. I am open to changing my review if I ever get any support to rectify this rogue issue.
    more
  • Feb 24, 2021

    By Stray KuroAnayu
    Good App But! It's an app that's easy to use, super easy to understand and a no brainer to set up. You do have to be careful with the personalized settings because just following the tutorial sets up the account to be completely automatic, a set it and forget it deal which is too hands off for me. I'd give a higher rating but the in-app notices for their other products are so pushy despite the fact that those options are already very visible whenever your on the app.
    more
  • Feb 24, 2021

    By Benjamin Lindsey
    I enjoy the ease of the app. Once you set everything up it comes out in a timely manner. The only thing I have to complain about is even though my acorns account is linked to bank account and has been verified I am prompted every time to verify the amount deposited in my checking account. This step was complete over 4 months ago. Other than that one lil thing I love Acorns.
    more
  • Like and Don’t like Jan 6, 2018

    By navbotas
    When I first heard of Acorns and the idea of an electronic piggy bank that invest your spare change from purchases I thought “what a great and cool idea.” So after awhile i decided to give it a try. I like that all my banking accounts are linkable and you dont have to do anything after they are linked. What I didn’t and don’t like is when I first put my credit card info in, the app pulled all my accounts for the option to link. I would have rather done that manually. Another thing I don’t like is, my credit card that I first put in, is the account that all the spare change comes from even when several accounts are liked. I would rather have the spare change come from the individual accounts that are linked. The last thing I don’t like is when you transfer money between your accounts like I do each transfer also invests $1.00. I hope that makes sense to you and helps on deciding to start collecting your acorns and invest them. Update: A developer has since responded to my review. The transfer of funds between your accounts that invest a whole dollar can be adjusted. Although this feature can be adjusted and has after the fact, I dont recall it being mentioned while setting up an account. Don’t get me wrong I am still using this savings/investment app.
    more
  • Great app but be careful Sep 15, 2018

    By -TJ-47-
    I have been using this app for a while now and it’s an easy way to save some extra cash you didn’t realize you had. But if you’re like me and sometimes push your bank account red this can be dangerous. My back charges 29 dollars every time an attempt is made by ach debit and i don’t have sufficient funds. This company try’s 3 times to pull from and empty bank account causing me personally to have to pay almost 90 dollars in penalties. It has happened a couple of times now and it’s rather annoying. I also have lost money on their investments so far, not much but some. So everything I have in this account is what I have put in minus what I’ve lost. I do recommend this app just be very cautious if you think you’re funds are gonna run low. To the developers response: I know that they can be turned off manually. My problem is I have no ability to know when funds are going to be attempt to pulled from my account, there for have know way of knowing when to turn off the account. That’s why I have pulled back all my funds from your account (to which only lost my money) and have decided I will not be using your services again. Thank you for the automated response and I pray for your success. God Bless!
    more
  • Okay-ish. Jun 20, 2020

    By awsedrftgyhh
    I’ve been a member since 2019 and for the most part I’m okay with the app. One thing that truly gets under my skin is that I can’t review my statements from the app. I have to physically get on a desktop computer in order to see my statements. It’s quite annoying considering I don’t always have a desktop around when I’m doing my finances. You cant go online from your phone and do it, you have to use a desktop. I’m not sure why it’s set up that way, but it’s annoying. Also, I have used Robinhood for 2 months, and in those 2 months I gained over $70 in stocks/investing. Whereas I’ve had Acorns for almost a year and the most I ever gained in investing is $35. I have waaaay more money in Acorns than I do in Robinhood, yet I managed to make more with less. Idk what Acorns is doing with my money, but it’s not really investing the way it can. I’m thinking of canceling Acorns because it’s honestly not working for me anymore. I think the best feature is the roundup investments, it lets me save by keeping the change. However, my personal bank does the same. It seemed like a good app when I first got it, but now I’m feeling like it’s not putting my money to good use. Plus, needing me to log onto a desktop just to see my statements is, once again, very annoying. Most apps, whether it’s a bank or another investing app, provide you with your statements without having to do the extra work. Why are they being so extra? Why are they not investing my money properly? Idk..
    more
  • Feb 20, 2021

    By Bryan Hawkins
    I've tried for a few months to get this app to function right. I've had it for years but over the last several months I can not get my cards to stay linked for round-ups. Reached out to customer service but I didn't get far. They said it was my bank but my bank and my credit card company report no issue. Bummer because I really enjoyed this app but I guess I'll have to pull out what Ive accumulated and call it.
    more
  • Lacking Jun 5, 2019

    By Bread 2.0
    I get the concept of this app but I feel like it’s not for me and I’ll tell you why. Acorns invests round-ups to the nearest dollar on your purchases. This means you have to wait until you buy something to invest in the stock market. Not only that, but the app itself does not give much insight into which stocks or ETFs are being used. So essentially you’re blindly putting in money that is going “somewhere out there” and hoping for the best. I get that there’s an option to deposit funds directly without waiting for round ups, but since that’s what I want to do, I’d rather be able to have a choice as to where my money goes. This app is for individuals who want to invest without the hassle, but I felt like it was almost too dumbed-down for me. It also took me more than half a year to receive my debit card, only to find out that instant round-ups aren’t available yet, which is why I wanted the card in the first place. The features on Acorn do not give you very much control, and for that reason I’d rather invest directly using a different service. It was a nice start into investing, and after more than three years of using Acorns it was hard to part with it. But the app’s purpose of taking the effort out of investing almost worked too well. If you want to invest, there are better ways of doing so in a more efficient manner.
    more
  • User agreement nonsense Apr 22, 2019

    By First Review Complaint
    I opened my account over a year ago. Personally, I made the mistake of not doing enough research on the company before opening the account. After doing research, my disagreement is with the fees applied after cashing out. The bigger issue for me though, is the nonsense with how the company has been operating with it's user agreement. I received a new user agreement back in May of 2018. The agreement stated that I had to accept the agreement inorder for the app to keep managing my portfolio. At this point, I didn't want to accept the agreement so that the monthly deposits would be frozen. I received 2 more emails with extended agreement deadlines. I did not proceed with either. I have not opened the app since before the first agreement email. Regardless of my actions, the app has been taking money from my bank account on a monthly basis. I contacted customer support a few weeks ago and all I got was an email saying that they are sorry for losing my business and that I can login to my account, sell my investments, and close my account. If I follow through with this, it would require me to accept the agreement before I can even access my account. I have discussed this issue with my lawyer and we are in the process of notifying Acorns. I know others have had this issue as well, so I will try to give an update soon.
    more
  • Feb 26, 2021

    By Mark Spiers
    Horrible. Just plain horrible. I put some money in the apps early investment section for my kids the funds have cleared my bank days ago but the app shows that their balances are zero. And there is no customer support just an unattended email box. The transactions are very slow. One star until they make things right or give me back my kids money.
    more
  • Feb 17, 2021

    By Katie Sterling
    It makes investing money easy. I can hook it up to my bank account and it automatically rounds up my debit purchases and invests the extra change. I save money without even noticing it's gone. I gave 3 stars because they're always the last form I receive. I've had everything else for a week and am held up waiting on Acorns. EDIT: changed to one star. Two years later and still same problems. Now they say March! Taking my money to a company that's a bit more competent.
    more
  • the app that stole christmas 🗣 Dec 10, 2019

    By misshoward_
    I only gave it 1 star because 0 was not an option. I downloaded this app because I thought it was like the app dave that gives you a payday loan. Upon making an account and linking my bank account, I realized what this app was actually for. I opted in for the app to round up each purchase to the nearest dollar and for reoccurring $5 investment each week. After the first week, I realized I do not actually care to invest and wanted to delete the app. I couldn’t quite figure out how to unlink my bank or delete my account to prevent any withdrawals from my account from occurring. I found a setting that allowed me to turn off all investments. So it wasn’t supposed to pull from my bank account at all indefinitely, as long as I did not turn it back on. I checked my bank account today and saw that I was $35 IN THE NEGATIVES. I have over-drafted and will have fees assessed once the bank opens in the morning. I’m very upset that they continued to take my money after I opted out. And $35 is way more than change from rounding up my recent purchases to the next dollar plus $5 for the week. I also cannot figure out where these investments go nor how to withdrawal them. So I have essentially been robbed. Do not use this app if you understand the importance of money. I did not have $65+ to lose for no reason. This app will take your money without consent and claim to be investing in you but not allow you to get it back!!!!🥴🙄🤦🏻‍♀️
    more
  • Feb 21, 2021

    By Renata Roberts
    This app sucks. Many friends with I phones suggested this app for me to start saving but each time I tried to sign up I get an error that something is wrong with the server. This makes me feel like my banking account information has been compromised. I tried 5 times to link my bank to my account with no success. If I could give no stars I would!
    more
  • Fraudulent! Jun 6, 2018

    By TheBodFather20
    I got invited by a friend to join acorns as they have a “you get 5 and they get 5 dollars” to invest promotion and so I followed the link to join. Never received the promotional money. I emailed them and a guy named “Alan” replied and said that I was not going to get it. And then sarcastically sent the promotion to me again which is just absolutely inappropriate. I’m not an idiot and I followed the steps correctly with the promotion but didn’t receive it. Clearly, this is a way to get people to join and you have to invest in order to receive it which I did! Absolute frauds. Everyone join the app “Stash” as I did the exact same promotion and received the money promotion. Better customer service as well as they did not have someone like Alan be inappropriate Update/FYI: I recently looked further into the reviews and I’m not the only one who has called out this fraudulent investment app. Scroll and see for yourself as others have had the same problem as me. Not to mention several other problems such as awful feedback and having to wait up 4-6 days to get withdrawal back... I have since proceeded to withdraw my investment and it’s going to take a while 😂. Also acorns has plummeted from being ranked #10 to now #12 and will continue to do so. If you are a beginning investor JOIN STASH!!! They have awesome customer service, legit promotions, and legit want you to succeed as they have this “coach” that helps guide you into your investments. Check it out for yourself!
    more

What’s Groovy

What’s Subpar

Loading...

1 Coupon