Bestmoney Staff

Cash App, launched in 2013, offers a savings feature inside its broader money app rather than a standalone bank savings account. For savers who already use Cash App, the appeal is straightforward: start with $1, set up to five goals, use Round Ups or paycheck allocations, and earn up to 3.25% interest. The main tradeoff is that the highest rate and FDIC pass-through insurance are conditional rather than automatic for every user.

Alt Lending, LLC focuses on private student loan refinancing for borrowers and co-borrowers. The company offers fixed-rate refinancing, online rate checks, and phone support. Borrowers should review final APRs carefully because published rate information may vary across site pages, and final terms depend on approval.

OnePay offers a global money transfer service integrated into its digital banking platform. Users can send money internationally directly from their One app, with competitive exchange rates and transparent fees. The service provides a seamless online experience, secure transactions, and mobile access for easy money transfers.

Search "best cash-back apps" and you'll get a hundred articles that read like the same article. They explain what Ibotta is. They explain what Rakuten is. They tell you to "cash out your earnings." Useful if you've never heard of any of this, mostly noise if you have.

The holidays are magical—filled with celebrations, time with loved ones, and yes… significant spending. Even with careful planning, many people find themselves staring at credit card statements and drained savings accounts come January. That’s where a new year budget reset becomes essential.

Only 57% of U.S. adults are financially literate according to the S&P Global FinLit Survey, and average working-knowledge scores have hovered around 48% correct on the P-Fin Index for years. That's why game-based learning matters: it turns abstract money ideas into memorable, low-risk practice.

The best budgeting apps for couples in 2026 include Monarch Money (best overall for joint finances), YNAB (best for zero-based discipline

Your Debt-to-Income (DTI) ratio is a personal finance measure that compares your total monthly debt payments to your gross monthly income. In simple terms, it tells you exactly what percentage of your paycheck goes toward paying off what you owe before taxes are taken out.

The best grocery savings apps

Compare the 7 best budgeting apps for teens in 2026 — using the Independence Dial framework. Includes verified pricing, credit-building facts, and age-based recommendations.

AARP by Barclays offers a high-yield online savings account tailored to AARP members. With no monthly fees, no minimum balance, a consistently high APY, and a $200 bonus for qualifying deposits, this FDIC-insured savings account suits older savers looking for secure and efficient digital banking.

Varo Bank, N.A. is a hybrid online/mobile bank. Its Varo Bank Account comes with the promise of no monthly account maintenance fees and its Varo Savings Account has attractive annual percentage yields (APYs). Varo Bank offers significant advantages over online and brick-and-mortar banks: namely, no minimum balance to open an account; and the option of having your paycheck deposited up to two days early.

An auto loan calculator has the potential to be a very powerful tool in the car-buying process. It can help you look past the sticker price and understand what your monthly payment will be, as well as the total cost of the car over time. Use this calculator to estimate your payments, plan your budget, and help find a loan that fits your financial situation.

Pinnacle Funding positions itself as a fast small-business funding provider for companies that need capital without the slower pace and tighter underwriting often associated with traditional banks. Public materials for this review emphasize a short digital application process, quick turnaround, and support for small- and medium-sized businesses seeking flexible funding options. The strongest practical takeaway is speed.

Varo Bank, N.A. is a hybrid online/mobile bank. Its Varo Bank Account comes with the promise of no monthly account maintenance fees and its Varo Savings Account has attractive annual percentage yields (APYs). Varo Bank offers significant advantages over online and brick-and-mortar banks: namely, no minimum balance to open an account; and the option of having your paycheck deposited up to two days early.

What if there were something you could do to instantly improve your credit score, possibly by more than 20 points? That something, according to a new TransUnion study, is a debt consolidation loan. Read on to find out how.

Founded in 2008, Live Oak Bank is a digitally focused, FDIC-insured bank serving customers nationwide. Its current business checking lineup includes Business Essential, Business Plus, and Business Plus Analysis. The main draw is digital-first business banking with unlimited transactions, mobile deposit, bill pay, QuickBooks integration, waivable monthly fees on two tiers, and access to 55,000+ Allpoint ATMs.

When you search for the best budgeting apps, you are often met with a standard roster of tools designed for the individual optimizer or the debt-focused single payer. Articles like those found on U.S. News & World Report do an excellent job of categorizing apps by financial standing—telling you which app is best if you are in debt, or which is best if you are an investor.

Grasshopper Savings is offered through AAA Banking’s Triple Advantage Savings account. The account offers a variable APY of up to 3.40% for eligible AAA members and 2.90% for non-members, with a $100 opening deposit, a $0.01 minimum balance to earn interest, and digital account access through web and mobile banking. Deposits are held at Grasshopper Bank, N.A., Member FDIC.

Founded in 2014, Greenlight is an Atlanta-based family-finance fintech built around a parent-managed debit card and app experience. Its current plans include cards for up to five kids, real-time alerts, store and ATM controls, allowance tools, and mobile-wallet support, while card funds are issued through Community Federal Savings Bank and insured up to FDIC limits.