How to Cancel Qapital Savings App in 2026
Qapital charges $3-12/month for automatic savings rules. That's $36-144/year to save money — ironic. Apple Savings, Marcus by Goldman Sachs, and Ally all offer high-yield savings with automatic transfers for free.
🔴 Transfer Money First: Your savings in Qapital are held in FDIC-insured accounts, but transfers out take 1-3 business days. Withdraw ALL your money to your bank account before canceling. Do not cancel first — accessing funds after account closure is a headache.
Step 1: Withdraw Your Savings
- Open the Qapital app
- Go to your savings goals
- Tap each goal and select "Transfer to bank"
- Transfer everything — check all goals, including the "Spending" account
- Wait 1-3 business days for transfers to complete
- Verify funds arrived in your bank account
Step 2: Cancel Subscription
- Open the Qapital app
- Tap your profile icon
- Go to "Settings"
- Tap "Membership"
- Select "Cancel membership"
- Confirm cancellation
If Subscribed Through App Store
- iPhone: Settings > Apple ID > Subscriptions > Qapital > Cancel
- Android: Google Play > Subscriptions > Qapital > Cancel
Qapital Pricing (What You're Paying)
- Basic ($3/mo): Round-up rules, set-and-forget rules, FDIC savings
- Complete ($6/mo): Basic + spending account (Visa debit card), payday divvy
- Master ($12/mo): Complete + investing portfolio, team goals
Free Alternatives for Automatic Savings
- Apple Savings (free, 4%+ APY) — automatic savings from Apple Card cashback or manual transfers. No fees, high yield
- Marcus by Goldman Sachs (free, 4%+ APY) — high-yield savings with automatic transfers from checking. No fees, no minimum
- Ally Bank (free, 4%+ APY) — "Surprise Savings" automatically moves safe-to-save amounts. Buckets feature for goals
- Your bank's auto-transfer (free) — set up a recurring transfer from checking to savings. Every bank supports this
- Acorns ($3/mo) — if you want the round-up feature specifically, Acorns also invests your spare change
💡 The Math: If you have $1,000 in Qapital savings paying 0.1% APY and paying $3/mo, you're earning $1/year in interest and paying $36/year in fees. Moving to Apple Savings at 4% APY earns you $40/year with zero fees. That's a $75/year swing.
🔍 Not sure what you're paying for? Upload your bank statement to JustCancel — we'll find all your subscriptions and show you how to cancel each one.