Hero cafe new

Like a bank, but Simple.

Start banking, budgeting, and saving up to 2.15% APY when you open an FDIC-Insured Protected Goals Account.

#Public Goals
[BETA]

    How Simple works.

    Put money in your account
    Either by direct-depositing your paycheck or transfering from another bank.

    We’ll help you divvy things up
    Making sure your Expenses and Goals are covered, automatically.

    So you can spend with certainty
    Knowing exactly how much of your total balance is Safe-to-Spend®.

    Always know what's Safe-to-Spend®.

    Make smart spending decisions on the spot. Our budgeting tool does the 'can-I-buy-this?' math for you, setting aside enough money every month to cover your Expenses and Goals.

    Learn More

    Make plans for what to do, not what’s due.

    Set up your recurring expenses (think power bill, cable, internet) in our app, and we'll do the work of saving for them each month. When you know your bills are covered, you can focus on the fun parts of having money—like saving for Japan and buying that new bike.

    Learn More

    Save toward your goals, automatically.

    Goals make it easy to save for the things you want or want to do. There’s no need for spreadsheets or extra apps to budget and track your money. It’s right there inside your Simple checking account, growing bit-by-bit until you’re ready to spend.

    Learn More

    Build your savings without even trying.

    Turn on Round-up Rules and start saving up effortlessly. Whenever you make a purchase, Simple will round up what you spend to the next whole dollar amount. When the “change” from those transactions reaches or exceeds $5, Simple transfers it to your Protected Goals Account — so easy you won’t even feel it. It’s like a digital change jar... one that adds up to real money in the bank.

    Apply Now

    Keep track of your money at a glance.

    Your transactions tell a story. Add photos and notes to better remember every purchase. And quickly search your account by merchant name, keyword, and hashtags to capture all your important (#freelance) and “important” (#carbparty) purchases.

    A little a day goes a long way.

    Traveling to Europe was a lifelong dream of Johnny’s. He used Simple to put a plan in place, and on a modest salary, saved $3,000. Once he landed, he never found himself questioning how much he could spend on a meal or experience. Read more about how he saved, and how Simple helped.

    Johnny

    Best new update.

    Being featured as one of the ‘Best New Updates’ and ‘App of the Week’ in the App Store was an awesome surprise for us, and just the digital pat on the back our engineers needed to keep building amazing new features to help you feel confident with your money. Full steam ahead!

    The finest print: The rates are effective as of October 1, 2019, are variable and subject to change after the account is opened. Accounts subject to approval. Balances in your Simple Account earn 0.01% Annual Percentage Yield. In order to open a Protected Goals Account, you must already have a Simple Account open. For the Protected Goals Account, see the rates below.

    Daily Collected Balances

    This means that we use the account’s
    end of day balance to calculate the interest earned that day.         		APY
    $0.01 to $1,999.99 2.02%
    $2,000 to $4,999.99 2.02%
    $5,000 to $9,999.99 2.02%
    $10,000 to $14,999.99 2.15%
    $15,000 to $19,999.99 2.15%
    $20,000 and above 2.15%

    1 Check it out for yourself (based on the September 30, 2019 National Rate): https://www.fdic.gov/regulations/resources/rates/