Best savings apps
Comparison of mobile apps for saving money. Gamification, automatic round-ups, and savings challenges.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| Baize | Free | Rounds up your card purchases to the next euro and saves the difference. No hidden fees. |
| Findity | Free/Premium | Gamification of savings goals. Social challenges and rewards for reaching targets. |
| Fintonic | Free | Expense analysis and automatic advice. Personalized recommendations for financial products. |
| Sinews | 0% fee | App for saving without investing. Automatic transfers to a sub-account. Transparent and regulated. |
Applications verified in July 2026. Some require availability in Spain and legal age.
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Frequently asked questions
Are these apps safe?
Yes, if they are regulated by the CNMV or the Bank of Spain. Always check the legal notice before using real money.
Does the savings generate a return?
Some link to interest-bearing accounts (small returns). Others simply organize your money without any return. Read the terms.
Can I withdraw my money whenever I want?
It depends on the app. Most allow immediate withdrawals. Some have restrictions on challenges or locked portfolios.
Do they have hidden fees?
Generally not, but some upsell premium products (advice, insurance). Check the privacy policy and fees.