Savings comparison
Ally vs Copilot Money
Updated
AllySavings account
Copilot MoneyBudgeting appPriceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Ally is a savings account and Copilot Money is a budgeting app. Ally charges no monthly maintenance fees on its savings account, while Copilot Money costs $13 a month, or $95 a year billed yearly. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 9 rows in the table below.
Ally vs Copilot Money at a glance
Ally is a savings account and Copilot Money is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 3 of the 9 rows in the table below.
Price and fees
Ally charges no monthly maintenance fees on its savings account. Copilot Money costs $13 a month, or $95 a year billed yearly. We checked both on Oct 24, 2026.
Free trial
Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Copilot Money on Oct 24, 2026.
APY or rate
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 haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Ally on Oct 24, 2026.
Opening and balance minimums
Ally requires a $0 minimum opening deposit and has no minimum balance requirement. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Ally on Oct 24, 2026.
Protection
Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Ally on Oct 24, 2026.
Platforms
Copilot Money lists iPhone, iPad, Mac and Web. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Copilot Money on Oct 24, 2026.
Features
Ally lists goals, which the sources we checked don't confirm for Copilot Money. Copilot Money lists AI features, which the sources we checked don't confirm for Ally. We checked both on Oct 24, 2026.
App store rating
Ally Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings. Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
Ally Bank Savings and Copilot Money, side by side
Rows marked “Differs” are where the two official sources say different things, and 3 rows do here.
Swipe the table sideways to see both apps.
| Field | Ally Bank SavingsSavings accountAlly Bank's online savings account pays a variable rate and includes savings buckets, round ups and recurring transfers.Visit Ally Bank Savings's site | Copilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's site |
|---|---|---|
| Price and feesDiffers | Ally charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Copilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money |
| Free trial | Not verified yet. | Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Oct 24, 2026. Source: copilot.money |
| APY or rate | Ally 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 | Not verified yet. |
| Opening and balance minimums | Ally requires a $0 minimum opening deposit and has no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Not verified yet. |
| Protection | Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Not verified yet. |
| Platforms | Not verified yet. | Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money |
| Bank syncing | Not verified yet. | Not verified yet. |
| FeaturesDiffers |
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| App store ratingDiffers | Ally 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 | Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.
What the apps look like
Ally Bank Savings
Copilot Money
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderAlly lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverAlly lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Ally nor Copilot Money 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.
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.”
Positive
“Very user friendly and the savings buckets are a game changer”
Critical
“Just horrendously slow. Constantly crashes. Never loads in the first attempt to open.”
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.
What Copilot Money users say
Based on 500 App Store reviews, 4 Reddit posts and 4 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 508 reviews and posts we read, 104 mention how easy or hard the app is to use.
- Of the 508 reviews and posts we read, 94 mention the price, fees or the subscription.
- Of the 508 reviews and posts we read, 55 mention customer service or support.
Positive
“I switched to Copilot when Mint shut down. This app is much better than Mint ever was.”
Critical
“App was great until Schwab stopped connecting. Reverification fails. ... Support is completely unhelpful.”
Mixed
“Copilot is great if you just wanna open it and get a “this minute” picture of your money but it could be better.”
Where these come from
- Copilot Money 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 Copilot Money, read Oct 24, 2026. Public search of comments and posts. 7 named the app; we kept 4 where the writer shares their own use of it.
- Reddit search for Copilot Money, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Copilot Money app", posts and comments from after Oct 24 2025. It returned 100, most of them about something else. We kept 2 where the writer shares their own use of the app or a clear opinion of it, plus 2 from another app's search that discuss this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Copilot Money, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Copilot Money app 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/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/cailian13 in r/portfolios on Reddit, Oct 21, 2026.
- u/Kooky-Ad-725 in r/MuseAgent on Reddit, Oct 13, 2026.
- arjie on Hacker News, May 16, 2026.
- greedo on Hacker News, Apr 6, 2026.
- exabrial on Hacker News, Feb 9, 2026.
- grvdrm on Hacker News, Nov 22, 2025.
FAQ
How much does Ally cost?
Ally charges no monthly maintenance fees on its savings account. We checked this on Oct 24, 2026.
How much does Copilot Money cost?
Copilot Money costs $13 a month, or $95 a year billed yearly. 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.
Does Copilot Money have a free trial?
Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We checked this on Oct 24, 2026.
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Keep comparing
- Read our Ally Bank Savings review.
- Read our Copilot Money review.
- See Ally alternatives, closest category first.
- See Copilot Money alternatives, closest category first.
- 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.
Sources and dates
- ally.com/bank/online-savings-account (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
- copilot.money (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
- banks.data.fdic.gov/bankfind-suite/bankfind (2026), checked Oct 24, 2026.
This is education, not financial advice.
