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Best Money Apps for a Saver

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The Saver Money Type

Priceless Tay sorts money habits into four Money Types: Strategist, Spender, Saver and Scrambler. A Saver is someone who can hold money, and hasn't yet let it work. It often sounds like this: “I save it. Then it just sits there.”

The first fix for a Saver is Put It to Work. Pick one amount sitting in savings and move it where it can grow. We matched the apps below to that fix by the features their own pages list.

Read the full Saver guide

Short answer

We matched Ally, SoFi and Chime to the Saver Money Type, in that order, because each one's own pages list features for earning an APY on savings with no minimum balance. A Saver is someone who can hold money, and hasn't yet let it work. The Saver first fix is Put It to Work: pick one amount sitting in savings and move it where it can grow.

Apps matched to a Saver

Each reason names a feature the app's own pages list. Every price, trial and platform shows the date we checked it and links to its official source.

  1. Ally Bank Savings logo

    1. Ally Bank Savings

    Savings account

    Ally's savings account lists a variable APY with no minimum balance, plus savings buckets, round ups and recurring transfers.

    Price and fees
    Ally charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
    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
    Platforms
    Ally Bank Savings lists Web, iOS and Android.As of Oct 25, 2026. Source: ally.com/bank/online-banking
  2. SoFi Checking and Savings logo

    2. SoFi Checking and Savings

    Savings account

    SoFi's savings account lists a higher variable APY with eligible direct deposit or $5,000 in qualifying deposits, and no minimum balance.

    Price and fees
    SoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 25, 2026. Source: sofi.com/banking/high-yield-savings-account
    APY or rate
    SoFi 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
    Platforms
    SoFi Checking and Savings lists iOS and Android.As of Oct 25, 2026. Source: sofi.com/app-download
  3. Chime logo

    3. Chime

    Banking app

    Chime's savings account lists no fees and no minimum balance, and its APY goes up with Chime Plus or Chime Prime status.

    Price and fees
    Chime 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
    APY or rate
    Chime 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
    Platforms
    Chime lists iOS and Android.As of Oct 25, 2026. Source: chime.com

How we matched apps to this type

We started from the Saver first fix and looked for apps whose official pages list features for earning an APY on savings with no minimum balance. We don't score apps or use ratings to order them, and an app only makes the list when a dated source backs its reason. Read how we compare apps.

Not sure you're a Saver?

Sources and confidence

Last checked
Sourced facts
21 facts, each linked and dated
Ally Bank Savings7 sourced facts, last checked Oct 25, 2026
SoFi Checking and Savings7 sourced facts, last checked Oct 25, 2026
Chime7 sourced facts, last checked Oct 25, 2026

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it comes off the page until we check it again. How we source, date and index this data.

This is education, not financial advice.