Alternatives

Ally alternatives in 2026

Updated Oct 24, 2026

AllySavings account

Ally is a savings account. Ally lists 3.20% APY, correct as of Oct 23, 2026. We checked that on Oct 24, 2026. Below are 4 other apps, starting with the other savings account and then banking apps and investing apps. They're ranked by how close each app's category is to Ally's, not by how good it is, and every fact shows the date we checked it.

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Short answer

The closest alternatives to Ally are SoFi, Chime and Acorns, because SoFi is also a savings account, Chime is a banking app and Acorns is an investing app. Ally lists 3.20% APY, correct as of Oct 23, 2026. We checked Ally on Oct 24, 2026, and each card below puts an alternative's rate, fees, platforms and ratings next to Ally's, with the date we checked them.

Alternatives to Ally, closest category first

Each card puts the app's facts next to Ally's. The order follows how close the category is, not how good the app is, and “Not verified yet” means we don't have a current official source for that line.

Other savings accounts

SoFi Checking and Savings
Savings account
Same category
SoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.
Price and fees
SoFiNot verified yet.
AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
APY or rate
SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 24, 2026. Source: sofi.com/legal/banking-rate-sheet
AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
Platforms
SoFiNot verified yet.
AllyNot verified yet.
App store rating
SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings.As of Oct 24, 2026. Source: App Store listing
AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- SoFi lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- Read our SoFi Checking and Savings review

Banking apps

Chime
Banking app
Nearby category
Chime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.
Price and fees
ChimeChime says its savings account has no fees, and you need an active Chime Checking Account to open one.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
APY or rate
ChimeChime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable.Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
Platforms
ChimeNot verified yet.
AllyNot verified yet.
App store rating
ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing
AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Chime lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Chime lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.

Investing apps

Acorns
Investing app
Nearby category
Acorns is an automated investing app that bundles investing, retirement and banking tools into monthly subscription plans.
Price and fees
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
APY or rate
AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
Platforms
AcornsNot verified yet.
AllyNot verified yet.
App store rating
AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing
AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Acorns lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- See Ally and Acorns side by side
Bloom
Investing app
Nearby category
Bloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.
Price and fees
BloomBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faq
AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
APY or rate
BloomNot verified yet.
AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
Platforms
BloomBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com
AllyNot verified yet.
App store rating
BloomBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing
AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
- See Ally and Bloom side by side

What real users say

These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

What Ally users say

Based on 500 App Store reviews and 3 Reddit posts dated May 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

Of the 503 reviews and posts we read, 116 mention how easy or hard the app is to use.
Of the 503 reviews and posts we read, 102 mention deposits, transfers or getting paid.
Of the 503 reviews and posts we read, 53 mention bugs, crashes or the app not working.

Positive

“Intuitive app, no fees at ATMs, free checks, & great rates on savings.”

App Store reviewer on the App Store, Sep 11, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Positive

“Very user friendly and the savings buckets are a game changer”

App Store reviewer on the App Store, Sep 29, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“Just horrendously slow. Constantly crashes. Never loads in the first attempt to open.”

App Store reviewer on the App Store, Sep 29, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Where these come from

Ally reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
Hacker News search for Ally, read Oct 24, 2026. Public search of comments and posts. 6 named the app; we kept 0 where the writer shares their own use of it.
Reddit search for Ally, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Ally savings account", posts and comments from after Oct 24 2025. It returned 92, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
YouTube search for Ally, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Ally savings account review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
u/plantsandramen in r/WaterCoolerWednesday on Reddit, Oct 23, 2026.
u/yumi021 in r/personalfinance on Reddit, Oct 21, 2026.
u/mbens in r/AllyBank on Reddit, Oct 19, 2026.

FAQ

What are the closest alternatives to Ally?

The closest alternatives to Ally are SoFi, Chime and Acorns, because SoFi is also a savings account, Chime is a banking app and Acorns is an investing app. This list is ordered by how close each app's category is to Ally's, not by how good it is.

How much does Ally cost?

Ally charges no monthly maintenance fees on its savings account. We checked this on Oct 24, 2026.

What APY does Ally list?

Ally lists 3.20% APY, correct as of Oct 23, 2026. Ally says the rate is variable. Ally says the same APY applies across all balance tiers, with no minimum balance requirement. We checked this on Oct 24, 2026.

What is Ally's app store rating?

Ally Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Another option: Fifecta

If none of these feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

Try Fifecta free

Keep comparing

Read our Ally Bank Savings review.
Browse our guide to the best high-yield savings accounts.
Want the bigger picture? Compare more money apps.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Want a plan built on your Money Type?

Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.