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Acorns - Invest Spare Change
FinanceAcorns
Join over 8 million people and start investing your spare change with Acorns!
Join over 8 million people and start investing your spare change with Acorns!
5M+
Downloads
Featured on Must-Have Apps for Personal Finance for Beginners
4.7
840.5K+ Ratings
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My experience is awesome. Login can be a little slow, which I contribute to my wi-fi, but I never had a major issue logging in. I had a wait time to change the account that I pull my funds from, but it straightened out in a couple days. Otherwise, my funds come out of my account like clockwork and I notice the growth. Yes, I pay $3 a month, but I make it back several times over by shopping at my favorite stores. I truly recommend this app.
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Easiest Way To Invest.
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. -
Great idea, great app
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. -
Easy Saving and Investing for LONG TERM
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. -
Acorns App is convenient!
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!
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Awesome
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Great tool to save money you would probably waste on miscellaneous stuff.
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Good app for basic investing and trying to tuck away a little cash. I look at it as a great savings account.
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I like this app. But I wish I could link Stash to it.
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Love acorn. It's genius!
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My experience is awesome. Login can be a little slow, which I contribute to my wi-fi, but I never had a major issue logging in. I had a wait time to change the account that I pull my funds from, but it straightened out in a couple days. Otherwise, my funds come out of my account like clockwork and I notice the growth. Yes, I pay $3 a month, but I make it back several times over by shopping at my favorite stores. I truly recommend this app.
-
Easiest Way To Invest.
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. -
Great idea, great app
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. -
Easy Saving and Investing for LONG TERM
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. -
After 8 months of usage I have no complaints. I am nowhere near an experienced investor, this is the extent of which I have participated in such an activity. I like the fact it is basically "set it and forget." I have Acorns automatically withdrawing roundups from everywhere possible, as well as once weekly minimal withdrawals. I have availed myself of their articles and feel confident enough to step up to maybe another type of investing that yields me more control.
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Acorns App is convenient!
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! -
No Feedback on Account Setup
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. -
Can’t get glitch fixed to verify my “spendsmart” account . . . .
Absolutely love everything, thus far, except for one thing that is concerning until resolved and has my real life access to my acorn account(s) essentially stuck in one place. At least until it gets fixed by (I’m assuming) IT, New Accounts and Customer Account(s) services and security-work together in which event I’m confident it will be handled assessed diagnosed and treated/fixed EXTREMELY swiftly. Once they work as a team that is to say. And that’s just based on a few days of being a customer and having any and every other thing to come up resolved swiftly, accurately, and in full. Like I said I’m new to it relatively speaking and am currently still awaiting an answer/solution on this ONE, SINGLE, and thus far ONLY drawback I’ve had/have with Acorn. Would rate all stars and more had this been resolved by now. Anyhow, I still trust and enjoy/benefit from it enough, I’m recommending it to those I actually give a legitimate toss about! Everyone else I don’t trust or what have you, I advise all of them, to open a new account at Walmart, etc. with a greed dot or really any prepaid online type set up like that always always always has at least a super hyper high interest rate on it. Haha 🤫🤭 ssshh don’t tell!😉😁 -
Pretty good app
I will say that this is a good app and good concept. It just wasn’t for me after time. When acorn started they had the ability to have no automatic round ups and it would let you select your own from the list of transactions. I loved this feature, but sadly they removed it. The reason I loved this was because I use my debit card for literally every single purchase ever, and that means TONS of round ups that would cause me to invest more than I could afford. If I set up automatic amounts it’s no different than other apps but they charge a fee. If I turn on automatic round ups I’ll run out of money. And if I rely on the 3-5 transactions they show you that you can manually round up I’ll never get a lot invested. I miss the old way of seeing all of your transactions and picking from the list of which you want to round up. Because of that I did close my account because it just wasn’t for me; however, I do think this app is a great idea and will work for many people. When I was making small frequent investments I did notice that my account would steadily increase month to month even with the $1 fee. Never any issues and great support. -
Virtual Change Jar
I've been using Acorns for a little over a month and I'm quite happy with it. I have the investment set on ultra conservative, because my main goal is to save, investing isn't a super priority right now. Back in the day before plastic was all the rage and main form of payments, I did use cash, and would break bills and set aside the change. I still do that somewhat this day in age but it's hard. So that's why I got interested in Acorns, to use as my virtual change jar. So far I have about 30 dollars in it, which to me feels impressive. If I have to pay a dollar a month for them to be my virtual jar, then I'm okay with that. It's two cups of coffee a year, in reality. I look forward to future roundups and someday I'll look into what other investment options there are. I feel very encouraged to save using this app. Once I get enough to go on a vacation, I'm going to withdrawal that money. I like that I can't touch it and it takes a few days to process, gets rid of impulse pulling. :) It's not a get rich quick scheme, and you have to be in it for the long haul if you're going to invest, and the market goes crazy sometimes. So have patience with that.
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Overall a good experience. My only complaint is that the minimum investment is $5. You should be able to invest as little as you wish. And the small change round ups should be invested as they occur, not when they reach $5 dollars. Otherwise I would have given the app 5 stars instead of three. Also, the small change roundups should come from each of the linked cards..., not just the funding source ( it's an unfair drain on the funding source). Can't access my statements through the app, really!
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Like and Don’t like
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. -
Overall the app is good. But for the past 2 months I have not been able to change the reoccurring deposits for the spend later account I have tried them on two different phones also the help feature is not working on both phones. I have talked to support and they could only suggest that I log in via the website to make the changes. I have downloaded the new version of the app that just came out today and still have the same issue
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Great app but be careful
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! -
Decent WHEN it works
When it’s working correctly it does exactly what it’s supposed to do. Three stars because they are HORRIBLE at communicating. For example my round ups randomly stopped working. After several messages to them they said it was because my bank requires me to un-link then re-link every so often. They never explained this in the past so I lost three weeks worth of round up’s. They suggested I try auto investing a set amount each week. 1st, doesn’t that still come out of my bank I have to re-link on a set schedule that you’re unsure of since “every bank is different?”, and 2nd, you promote and market your round up feature. That’s what I want. If I wanted to auto invest I’d open a Roth IRA (which I did through a different company with no fees thanks to Acorns suggestion 😂😂). Yes $1 a month is minimal but still you are paying for a service none the less. A service they can’t provide a lot of times and that fails often. You have to stay on top of your account and do their work for them if you don’t want anything ever interrupted. If I could start over I’d choose a different company to be honest. It’s average at best.
Release Notes
3.11.33
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