Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Acorns

55
User verdict / 100 High confidence Divided

Acorns is generally praised as an easy-to-use investment app for beginners, especially for its round-up feature, but recent reviews highlight significant issues with customer service, unexpected fees, and difficulties accessing or transferring funds.

4.7★ lifetime (954,928) Free to download since 2014 by Acorns Grow Incorporated updated 0.2 mo ago recent negative 42% 120 reviews across 1 regions
Customer Service Ease of Use Fees & Charges Account Access & Control Withdrawals & Transfers Referral Programs
5★120
4★13
3★12
2★7
1★98
recent reviews across 1 regions, vs the 4.7★ lifetime average

Acorns is an investment app designed to make saving and investing simple, particularly for beginners, through features like automatic deposits and round-ups. While many users appreciate its ease of use and educational value, a notable portion of recent feedback points to serious problems with account access, customer support responsiveness, and transparency regarding fees and withdrawals.

What users like

  • Easy to use and good for beginners to investingR3R4R5R20
  • Round-up feature helps with passive saving and investingR5R29R39R45
  • Helps build good financial habits and provides a sense of securityR5R12R17R41

What users complain about

  • Users report significant issues with customer service, including unhelpful responses and lack of follow-upR10R19R43R56
  • Difficulty with account access, including forgotten passwords, PINs, and accounts being locked or placed under reviewR34R27R36R43
  • Unexpected or unclear fees, including subscription charges after cancellation and withdrawal feesR10R15R16R40
  • Problems with withdrawing or transferring money, with some funds reportedly lost or held hostageR8R22R25R26
  • Referral programs are often described as scams, with users not receiving promised bonusesR68R78R83R92
  • Difficulty canceling subscriptions or closing accounts, with some users reporting continued chargesR15R40R64R85
  • Lack of investment options and customization for more experienced usersR18R104R188R210

Latest update · v4.201.0

What the developer says changed (the verdict above weighs this against what reviewers report):

We made some small changes so it’s even easier to help your money grow, because we believe small changes adds up. Grow your oak!

Recurring themes

Ease of Use positive
Many users find Acorns very easy to use, especially for beginners, appreciating its simple interface and automated saving features like round-ups and recurring deposits.R3R4R5R20
Customer Service negative
A significant number of recent reviews highlight severe issues with Acorns' customer service, including unhelpful representatives, lack of follow-up on inquiries, and difficulty resolving account problems.R10R19R26R43
Fees & Charges negative
Many users express frustration over unexpected or unclear fees, including monthly subscription charges that continue after cancellation, withdrawal fees, and money being taken from accounts without explicit consent.R10R15R16R39
Account Access & Control negative
Users frequently report issues with logging in, such as the app not remembering passwords or PINs, requiring constant resets, and accounts being locked or placed under review without clear reasons or easy resolution.R19R27R34R36
Withdrawals & Transfers negative
There are numerous complaints about difficulties withdrawing money, with funds being held for extended periods, transfers taking longer than stated, or even funds reportedly going missing during transfers to other institutions.R8R22R25R26
Referral Programs negative
Many users feel that Acorns' referral bonus programs are misleading or scams, as they report fulfilling all requirements but not receiving the promised bonuses.R68R78R83R92

Who it's for

Acorns is for beginners looking for an easy way to start investing and saving money, especially those who appreciate automated features like round-ups and recurring deposits R3R5R20R52. It is not for users who need responsive customer service, desire advanced investment options, or are concerned about unexpected fees and difficulties accessing their funds R10R26R55.

Evidence note: The recent reviews skew significantly negative, contradicting the high lifetime rating. Many positive reviews are short and general, while negative reviews are detailed and consistent across multiple issues. The developer's notes mention 'small changes' but do not address the widespread issues reported by users, such as crashes or customer service problems R27.

Frequently asked

Is Acorns good for beginners?
Yes, Acorns is widely considered a great investment tool for beginners, offering an easy-to-understand platform for learning how investing works and building financial habits R3R5R20R52.
Does Acorns have hidden fees?
Many users report unexpected or unclear fees, including monthly subscription charges that continue even after attempting to cancel, and fees associated with withdrawals or account closure R10R15R71R85.
Is it difficult to withdraw money from Acorns?
Several users report significant difficulties withdrawing or transferring money, with funds being held for long periods, transfers taking longer than stated, and issues with rolling over retirement accounts R22R25R26R55.
How is Acorns customer service?
Recent reviews indicate that Acorns' customer service is often unhelpful, unresponsive, and unable to resolve basic account issues, with some users reporting a lack of follow-up on inquiries R19R43R56R62.
Does Acorns offer referral bonuses?
Acorns offers referral programs, but many users report issues with receiving promised bonuses, describing the programs as misleading or scams R68R78R99R120.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] 5/5 · US Awesome: Great investment tool for all ages! If u want to teach or learn how investing works try it.
  2. [R4] 5/5 · US Great investment app: Great investment app. Good for saving money, forgetting about it and letting it grow. A lot more budget friendly than other options too
  3. [R5] 5/5 · US Great Investing App: Great investing app for beginners. Acorns makes saving and investing simple with automatic deposits and round-ups. The interface is easy to use, and it helps build good financial habits over time. A great choice for anyone starting their investment journey.
  4. [R20] 5/5 · US Entry Level Investing: This platform is very educational and easy to get you started investing in the stock market.
  5. [R29] 5/5 · US Happy Client 😊: I’m very happy with my Acorn app is very easy to use and I’m available to invest every time that uses my card. 10/10 I absolutely recommend 👍🏻
  6. [R39] 4/5 · US Bond market: Investing in Bonds market small amounts of money is just wasting time. Just my opinion. I like acorn investing, round up every purchase made easy investing. Pay every month $1 which is not bad at all.
  7. [R45] 5/5 · US Excellent App and Idea: I never wrote reviews, but quite fond of this app. You just set a little away each month and over 10-15 years you got 100k that you never thought about or even noticed that the change 3x on round up was gone. Very nice app, i think its a must, especially with Social Security going away. Just set it and forget it.
  8. [R12] 5/5 · US Growth Mindset: I have grown up and understand what my parents taught me about saving and making my money work for me!~ Arthur&Vivian Lovelace💗
  9. [R17] 5/5 · US Excellent communication: I like seeing money growing and not just feel like im working to pay bills. It’s incentive too save.because something always comes up. Discipline.
  10. [R41] 5/5 · US Piece of mind: I love being able to, so easily, save and invest money. Just knowing it’s there if I need it. There are so many ways to invest and it’s all explained simply. Love that I have this account.
  11. [R10] 1/5 · US They end up taking what you save: Beware of this app. I had money saved in my acorns account. If something changes with your subscription, they just end up taking the money that you saved in acorns. I contacted Customer Service and they basically said they could do nothing and this is normal procedure. I recommend you place your money and something that doesn’t require a subscription.
  12. [R19] 1/5 · US Closed long time checking and savings no reason: My checking and savings were suddenly placed under review leaving me unable to access my money I was told to review could take one to three business days, but no one could explain why my accounts were restricted or provide me any meaningful detail details. I uploaded the request requested identity documents immediately and contacted Support multiple
  13. [R43] 1/5 · US Don’t trust these people with your money.: This app is one I’ve been investing into for over a year, as a minimum wage worker I really have sometimes put myself in a tough spot so I can grow financially with my savings. I felt it was worth it. The app has locked me out and customer service has been severely disappointing and unhelpful. They keep asking me to upload documents on the website you onc
  14. [R56] 1/5 · US Worst Experience Ever: Lack of customer service. Customer service cannot answer basic questions nor provide assistance when requested. It’s always someone will email you back with 24 hours and then no one ever does. Huge disappointment and inconvenience.
  15. [R34] 3/5 · US Password never remembered: Having to reset my password and pin EVERY SINGLE TIME I attempt to log in is exactly why i’m done with this app. It helped with saving but I got so tired of having to reset my password over and over. Fix it.
  16. [R27] 1/5 · US Too many pop-ups: Whenever I try to do something I get so many pop ups and questions. I've created a PIN multiple times, but it keeps forgetting it. It makes me set up a new one. There's so many bugs and glitches that I dont trust the app refrain further use.
  17. [R36] 1/5 · US So secure, you cannot even access your own account!: Two step Verification is great, except it needs to have the ability to send to more than one phone. I have to get access codes from my spouse every time I want to login here.
  18. [R15] 1/5 · US God Awful: If you cancel your subscription, they continue to charge you if you don’t use the app for long enough. I cancelled my subscription 3 months ago (confirmation emails saying it was cancelled and everything) and checked my bank statements for this past month and they charged me again!!! I regret giving these people my bank info, god only knows what they’re going to keep doing with it.
  19. [R16] 1/5 · US Might work for some but not everyone: I personally think this app is a complete and utter scam I put $5 in to try it out and the next thing I know money is disappearing on almost a daily basis and I can only get back the original 5 minus tax’s so not even the full 5 so now I’m out almost $60 because of this stupid roundup BS that it said nothing about when I signed up, so to the people that run th
  20. [R40] 1/5 · US Don’t start the trial: I started the trial and still have 26 days to go. I attempted to cancel & it said I had to close all accounts first and withdraw any funds. However, if I withdraw it puts me into negative balance for 30 cents which stops the cancellation process. If I cancel the withdrawal & try to make it for 30 cents less it then forces me to withdraw the entire amount. The 30 cents is the
  21. [R8] 1/5 · US HELP!!!: I don’t know if I should be writing this under Acorns or GoHenry but I have to know what happened to my money and since GoHenry is now only Acorns in America I’m here. I had an account with GoHenry about 4-5 years ago that was continuously being funded by my mother’s card. To this day she has been swindled out of $2 every Sunday going where exactly for the past 4 - 5 years. I would like t
  22. [R22] 1/5 · US Worst bank and investment platform: They lie about early direct deposit times. Their transfers take longer than they state. They keep your money hostage as long as possible. The absolute worst scam app/bank/investment platform on the App Store.
  23. [R25] 1/5 · US Fine investing, WORST in banking: Do not use the direct deposit feature for this company, they have been the worst when it comes to checking accounts personal banking. It takes almost two weeks just for a transfer from an external source to populate in your acorns checking; I understand it takes a minute for invested funds in your investment account to take a while to transfer however having to wa
  24. [R26] 1/5 · US WARNING - Do not use Later Accounts: If you ever imagine yourself transferring/rolling over retirement accounts from Acorns to another institution, be prepared to deal with an unfathomable level of incompetence by the Acorns representatives. Over a month after initiating a transfer, dozens of calls, and several emails, $20k of mine is still lost in the void after being “successfully” transferred t
  25. [R68] 1/5 · US Referral bonus is a scam: I completed Acorns’ $1,400 “Refer 5 Friends” promotion exactly as instructed. All five of my referrals signed up and made their required investments within the promotion period. After confirming that everything was completed correctly, I waited the required amount of time for the bonus to be processed. A month later, Acorns informed me that one of my referrals was inelig
  26. [R78] 1/5 · US Sketchy Investing App: Multiple complaints: I downloaded this app and was recommended to try their referral program. This program entails you referring a few friends to join the app and start investing, and you will in turn get a bonus invested into your portfolio. This offer seemed too good to be true (SPOILER: It was). I did everything that was asked of the referral program and called the outso
  27. [R83] 3/5 · US Has potential: Like the app design. Easy to use!! Only 3 stars due to the referral program. Generous rewards for referrals but they give a very short window. This sales incentive program forces customers to act quickly without adequate time to review terms, risks, and make decisions.
  28. [R92] 1/5 · US Scummy onboarding: Force u to activate a trial, taking money from your bank after the first month, was advertised $20 never received
  29. [R64] 1/5 · US Don’t subscribe: When you try to cancel they make you jump through hoops…
  30. [R85] 1/5 · US Don’t use this at all: Acorns charges you a subscription to do the same for thing as any other free service except the subscription is about 7-15 dollars a month and it will endlessly charge you until you close the entire account, I wish I could get a refund because it will especially charge you 15$ to manage about 80c this app is pathetic just use fidelity or anything else at all
  31. [R18] 4/5 · US I want more options: I love the simplicity & much about acorns I would like to see a few added options. I would like to be able to be able to invest in options contracts not just stocks for instance and I would like to be able to set notifications up for price action and stock movement & even be able to look at stock charts with technical indicators…. I believe customers having the option to keep
  32. [R104] 1/5 · US Disappointed.: This is a very beginner friendly app, however, it doesn’t seem to have as many perks as many other apps and companies do. Im very disappointed by the lack of extra money to be earned, as well as limited cash matches. There is a hook for beginners, but nothing to actually keep investors that actually know what they’re doing interested. If it were me, I’d offer a company match for the
  33. [R188] 3/5 · US ABSOLUTE HEADACHE: Well let me first start by saying I love the round up portion and the re-accruing weekly/monthly investment. What is making me want to get rid of Acorn is the lack of options. What I mean by that: I have a couple of positions (stocks) that I added to my portfolio. I am now wanting to remove some of those positions from my portfolio. The down side to that is they will not re-d
  34. [R210] 3/5 · US Meh: Very little customization - less than a couple years ago.
  35. [R52] 5/5 · US First Time Investing: Im very new to investing and this app is simply and provides me with a very great foundation of learning. I need things really explain in detail and in different ways to help me understand and that’s what I love about this app.
  36. [R71] 1/5 · US Takes $12 Monthly for the Investment Plan: This app doesn’t care if you save, because its model is to take your savings. It takes forever to gather a solid amount of $, and when you do the app’s investment plan takes $12 every month from the investments you “saved” (which turns into $144 every year for the company). Even if your balance is just $50, it will take $12 every month from your “saved”
  37. [R55] 1/5 · US You’ll never get your money out: When I was young and dumb I set up a “later account.” When I got older I wanted to consolidate accounts (and stop paying the $3 a month fee). I’ve done everything I can think of to try and get my money out, without creating a taxable event, and it’s impossible. They don’t sync with anything, their support sucks, and make you jump through a million loopholes (some o
  38. [R62] 1/5 · US A little disappointed: Been with acorns over two years and needed help with a 86$ dispute after having processed only one a year prior for around 100$ they gave me the run around and Suzana S (a specialist) was very i I unknowledgeable about how to read emails, and comprehend what I was saying. They wanted me to wait 90 days so I’ll just go back to chase, which I left for Acorns because I had issu
  39. [R99] 1/5 · US Fake: They will tell you stuff and it just not be true, they’ll give you an offer then just not pay, if you refer people they’ll just not pay you
  40. [R120] 1/5 · US Don’t trust them: I had a few times I didn’t get the rewards I had to contact them and a couple I sent them the information but nothing. I was told to email receipt and I did and I never got a response. They only give money back when it’s small amount. So I’m not happy nor do I trust them not the people who work there.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store