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What is Acorns Spend?

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Acorns Spend is the first checking account with a debit card that saves, invests, and earns for you. Plus, Acorns Invest and Acorns Later built in!

  • Acorns Invest: The leading micro investing app, helping more than 3 million customers invest in the background of life.

  • Acorns Later: Our retirement account that welcomed more than 100,000 customers in its first month.

  • Acorns Spend: The only checking account with a debit card that saves, invests and earns for you.


Acorns Spend Feature Set

Technology & Design
The only debit card that saves, invests and earns for you — designed to look and feel as good as it works

Instantly Save & Invest
Real-Time Round-Ups, Smart deposits, and more…

Ease & Access
Digital direct deposit, mobile check deposit, check sending and free bank-to-bank transfers

Earn More Money
All the Earn Rewards that comes with Acorns

A Lot for a Little
No minimum balance or overdraft fees, and access to 55,000+ fee-free ATMs globally — Acorns Invest + Acorns Later + Acorns Spend for just $3/month

Grow Your Knowledge
From quick tips to original content, grow your money knowledge as you go

Total Protection
FDIC-protected checking account all the way to $250,000 plus fraud protection and all-digital card lock

Acorns Spend also comes with a debit card designed to look and feel as good as it works, made of tungsten metal, with a matte finish and spot gloss treatment on the Acorns branch, to remind you what your Acorns can become. We’re honored to have partnered with the visionary who built the design group at Apple to help us create the Acorns Debit Card.


With Acorns Spend, you get everything you do with Acorns Invest and Acorns Later, plus a fresh debit card and an FDIC-protected checking account that works much harder — all for just $3/month.

We hope Acorns Spend helps you spend smarter!

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