Qapital

Qapital is a Stockholm-based fintech company founded in 2012 that launched in the U.S. market with a core value proposition: use behavioral psychology to help people save money automatically. Its signature feature is Rules — customizable automation logic like "round up every debit card purchase to the nearest dollar and save the difference" or "save $5 every time I skip my daily coffee order." These rules run in the background, moving small amounts from your checking account into a Qapital savings account without manual intervention.

Over time Qapital expanded from pure savings into investing, payments, and financial goal-setting. The platform now offers three subscription tiers — Basic, Complete, and Premier — ranging from $3 to $12 per month, with investing features gated to higher tiers. Its investing product is a basic robo advisor built around ETF portfolios, and includes retirement account access on the Premier plan. Qapital partners with Lincoln Savings Bank for FDIC-insured savings accounts and is SEC-registered as an investment advisor through its subsidiary.