Acorns: Save & Invest Money

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.7 957695 ratings · App Store

1. 5/5Good for saving

   I’m a student, and I’ve been using this app for about two years. I have a couple thousand invested, and as a student, using the app is free. I will likely stop using the app if they ever take away the free management. The app provides very low returns on investments. I use a moderate portfolio because I saw the need to withdraw money from the account more often, which takes a couple days, about 3-4. From conservative to aggressive, each proceeding portfolio has a lower percentage of bonds, and only is made up of a few stocks and bonds. All of these are very low risk ETFs and bonds, and it is extremely unlikely that you will lose much money, if any. It’s very easy to use, and every so often Acorns takes a small bit of money from my checking account to deposit into the portfolio as an investment. I don’t make high returns at all on the money, only about 3%. Considering inflation is about 2%, I much rather have my money in this so that my money does not depreciate. I see the account as a worthy savings account that can teach you more about how the stock market works, especially if you are a beginner, that is easy to use. I would warn that any amount of fees taken from the account, even the dollar a month, drastically reduces the amount of money you would make percentage-wise and your returns, especially for low amounts. Above 5000 dollars, this is 0.25% of your portfolio. For the best returns, it is best suited for students that can waive the monthly fee for four years and have access to large amounts of capital.

   kchu3198 · 30 Aug 2026

2. 5/5The app is working great.

   I don’t understand why people are complaining too much about the new updates. It’s easy to navigate through (yes things are in different places now) but they are not hard to find. Like I’ve seen many saying that the app doesn’t let you withdraw money. Course it does, just have to go to “invest for your future”—> “Core” and if you scroll down you will see the option to withdraw. It takes about 5 business day but that’s because they have to sell your shares and that’s common on any investing account. Some users need to understand that this is not your regular back account, it’s an investing account and the money it’s directly deposited on the checking account you set. This app has helped me to save more money that I have ever been able to and I am still making some little amount on the side but mainly I use it to save money and it has worked for me. I have paused investments and it doesn’t withdraw money out my account. (Of course besides the money that is currently being transferred) again it’s normal that the bank won’t be able to stop a process that has already started. They have helped me to never go below 0 on my account. They sent you notifications to your phone and email to let you know that you might be under 0 and they stop all transfers for you until you solve that issue with your back and avoid being charged $30 or whatever your bank fees are. People need to be a little bit more responsable and keep checking how much money they have and stop the transfers a couple of days earlier if they feel like they might go under and know that they have no incomes coming soon.

   Ledismo · 30 Aug 2026

3. 5/5LOVE this app

   I almost never write reviews because I don’t ever feel passionately enough about any of the apps that I use to do so— but I LOVE this app. It’s perfect for what I need in terms of saving. I’m 26 years old and I only recently started getting more serious about my future in terms of having savings. I started panicking about being behind all of my peers and began researching options for starting a small savings account. At the time I was only using an account that was from an online bank, and I loved that Acorns would still be able to sync up to it. I’ve been a member since 2017 and have never had any issues. I love that it pauses investments when my funding source’s balance goes below a certain point, I love how the amount taken from my account by round-ups is minimal enough that it goes unnoticed but large enough that I am always shocked by how much I have in my savings, and I love that I can add a one time deposit if I happen to have extra money on hand. I even recently signed up for a Later account in addition to my Core account because it specifically caters towards a long(er) term plan. All in all, I highly recommend it. Super simple and takes out the guesswork if you’re looking to save or invest, but still feels like I’ve taken control over my finances in a good way. I sometimes wish I hadn’t spent so much while out shopping, or at dinner over the weekend, but I’m never ever mad about the money I deposit in my Acorns account for my future! I only wish I would have done this sooner. I realize how fake this review sounds but I promise you, it’s genuine.

   AllieF. · 30 Aug 2026

4. 3/5Missing significant online features

   My main issue with acorns thus far is not having the option to access a digital card .. I know many bank customers lose or have their debit cards stolen throughout the year, so to not have the ability to access my funds when that happens is completely absurd, and the only suggestion is to transfer the money out, but what is the point of having to transfer to another account when you can just use the account you’re having to transfer to and have your deposits set up there. Another issue is on top of not providing digital cards, we don’t even have the ability to connect our bank to really absolutely any other party, or to another bank. Online banking is supposed to be made more convenient, not more tedious, or insoluble especially when contacting support. I’m not even sure if I’ll keep this bank account past this month, my debit was stolen, so I had no choice but to order a new card, however, due to not having my debit, and not being able to connect my bank to anything, I missed two on-time payments, and my credit dropped 111 points. Due to this I’m debating about a change in banks. I love Acorns, especially the ability to invest, and open an account for you child .. However, I feel completely let down when it comes to the importance of having the ability to access your funds at all times. That should be a priority, and it isn’t. I don’t want to have the same issue or problem in the future! - Also, I’m still waiting for my card so as everyday goes by my payment are in bad standing and I’m still unable to access my funds 🤯

   Melanin09 · 30 Aug 2026

5. 5/5SO EASY!!!

   Let me start by saying I’m not one to leave reviews, but this app deserves one! Like a lot of people, saving money can be a hassle for me...or at least it was until I downloaded this app. Acorns really makes it easy. I’m not going to pretend like I know the ins and outs of the app or what stocks I’ve been investing in. All I know is I’m saving tons of money and the best part is it doesn’t feel like I’m doing the work to save. I told myself I wouldn’t withdraw money until I had enough to make my car payment solely from the app (it’s super easy to withdraw money at anytime btw). I passed that mark (over $300) but I think I want to keep letting that money grow. If I’m not mistaken, they take the spare change from your purchases and deposit it into an Acorns account. You have options of recurring or one time deposits as well. I set my account to make $5 recurring deposits every week from my checking account. It’s truly amazing for someone like me who finds it extremely hard to save without motivation. Now, I will say this: in my opinion, this app is not for the short term at least not for me. This is for those who have patience to watch their money grow overtime. It takes a while to build up savings but it’s so rewarding to see where you’ve started and how much you’ve progressed. To those who may be hesitant about withdrawing your money, I had the same worries. BUT when I was ready to take some money out, I pressed the withdraw button entered how much I wanted to take and it was in my checking account after a day or two. In my experience, YOU CANNOT GO WRONG WITH ACORNS!

   MrG3 · 30 Aug 2026

4.7 407556 ratings · Google Play

1. 5/5

   Love Acorns!!!

   Tiffanie Willis · 1 Aug 2026

2. 5/5

   Really Easy To Use! I really like the Acorns platform, the system is so well organized and easy to use. I feel a sense of accomplishment because I'm doing something today to help me have a better tomorrow. I'm really glad I'm investing in myself.

   Whitney Rodgers · 1 Aug 2026

3. 4/5

   cool

   Robert Geer · 1 Aug 2026

4. 5/5

   awesome investment tool

   Leon Hargrove · 1 Aug 2026

5. 1/5

   Do not get this app , I am telling you they are a bunch of thieves and really rude . I have my account for almost 4-5 years with them and I have never really made any attempts for any transactions , so I have tried to make some withdrawals last month they automatically locked my account and said that it take 2 weeks to get my money. I called customer service for almost 3 weeks now and I still can't get my Money . They are so rude and very shady company . Don't get this app , unreliable asf

   Jeff Elveus · 1 Aug 2026

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