Varo

Varo is a standalone online bank, not an add-on layered over an account you already have elsewhere. Save Your Change rounds every debit card purchase up to the nearest dollar and sweeps the difference into a linked Varo Savings Account, the same mechanic most round-up apps use, but built into a free checking and savings pair rather than charged for separately. Save Your Pay runs alongside it, automatically moving a percentage you choose, anywhere from 5 to 100 percent, of each incoming paycheck into savings the moment it posts.

There’s no monthly maintenance fee, no minimum balance requirement, and no cap on how often money moves between the checking and savings accounts, which matters for anyone who’s hit a transfer limit on a traditional bank’s savings account before. Varo fits people who want their primary bank account to do the saving work without adding a separate app on top of it, especially anyone moving away from a bank that charges fees for the privilege of saving their own money.