generated: '2026-08-26'
method: searched
source: https://www.qapital.com/pricing/
name: Qapital membership plans
note: >-
  Qapital sells a consumer subscription, not an API product. These are end-user membership tiers —
  there is no developer plan, no free API tier, and no usage-metered pricing, because Qapital
  publishes no public API. Monthly prices are rendered server-side and captured verbatim below;
  the page also offers an "Annual" billing toggle at a discounted rate, but the annual figures are
  only produced client-side and were not present in the served HTML, so they are recorded as null
  rather than guessed.
currency: USD
billing_periods:
- monthly
- annual
trial:
  length_days: 30
  note: >-
    "Start your 30-day free trial today." Qapital deducts the monthly membership fee after the free
    trial ends and a bank account is connected.
plan_count: 3
plans:
- name: Basic
  price: 3
  currency: USD
  period: monthly
  annual_price: null
  tagline: Set-and-forget saving. Solo or with a partner.
  included:
  - Unlimited personalized savings Goals
  - Automated saving via customizable Rules triggers
  - Transfers between Goals
  - Payday saving (save a portion of a paycheck on deposit)
  - Shared Goals with a partner and shared-spend tracking
  - FDIC-insured partner bank accounts
  - Multi-factor ID verification, SSL/TLS encryption
- name: Complete
  price: 8
  currency: USD
  period: monthly
  annual_price: null
  tagline: Step up your game with spending and investing.
  included:
  - Everything in Basic
  - Qapital Invest ready-made, risk-weighted, auto-rebalanced Portfolios
  - Qapital Visa debit card with real-time spend tracking and 55,000+ ATM access
  - Instant digital card
  - Ask Qapital personalized insights
  - VIP customer support (faster live-agent access on the Annual plan)
- name: Premier
  price: 12
  currency: USD
  period: monthly
  annual_price: null
  tagline: Manage money like a pro without all the effort.
  included:
  - Everything in Basic and Complete
  - Premier Invest Portfolios (expanded portfolio set tailored to specific goals)
disclosures:
  banking: >-
    Qapital is a fintech company, not an FDIC-insured bank. Checking account and debit card provided
    by Lincoln Savings Bank, Member FDIC.
  advisory: Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor.
  brokerage: >-
    Brokerage services provided by Apex Clearing Corporation or Wedbush Securities Inc., each an
    SEC-registered broker-dealer and member FINRA/SIPC.