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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Acorns vs Oportun

Acorns 4.7★ · Free to download 75
Winner Acorns
Oportun 4.7★ · Free to download 40

Acorns is generally a better choice for those looking to invest and save with more transparency and less reported issues with account access and customer service, despite its own subscription fee concerns.

Full reviews: Acorns · Oportun

Acorns and Oportun both offer automated savings and investment features, but recent reviews indicate Oportun users frequently experience critical issues with app access, bank connectivity, and customer support, making Acorns a more reliable option for managing finances.

Head to head

Features & Investment Options edge: AcornsR8R11R14R30
Acorns Acorns is praised as a great investment tool for all ages, especially beginners, making saving and investing simple with automatic deposits and round-ups R8R11R14. Users appreciate the educational aspect and ease of getting started in the stock market R30. However, some wish for more advanced options like investing in options contracts, setting price action notifications, and viewing stock charts with technical indicators . There are also concerns about the 'Later Accounts' for retirement being difficult to transfer out of R23.
Oportun Oportun is highly valued for its automated savings feature, allowing users to save money painlessly for various goals like vacations, cars, and weddings . It helps users save without noticing the deductions, acting as a 'secret stash' or 'little insurance policy' . Some users appreciate the ability to make payments on credit cards through the app . However, the app's algorithm sometimes takes out too much money, even multiple times a day, or fails to update banking info, leading to issues with saving .
Ease of Use & Reliability edge: AcornsR12R14R24R40
Acorns Acorns is generally considered easy to use, with a good app design and simple interface for saving and investing R12R14R24R40. However, many users report significant issues with logging in, such as the app not remembering passwords or PINs, requiring frequent resets R3R25. There are also complaints about too many pop-ups and glitches R25. Some users find the two-step verification cumbersome, especially when it only sends to one phone .
Oportun Oportun users praise its ease of use for automated savings, noting it's 'painless' and 'don't have to think about it' . However, a significant number of recent reviews highlight critical reliability issues, including being locked out of accounts, login screens not loading, and inability to connect to banks after updates R63R70. Transfers back to external accounts are also reported to take an unacceptably long time .
Customer Service & Support tieR9R17R23R41
Acorns Acorns receives numerous complaints regarding poor customer service. Users report unhelpful representatives, long wait times for email responses that never come, and difficulty resolving issues like account restrictions, disputes, or money transfers R9R17R23R41. Some describe support as 'incompetent' and 'useless' R23.
Oportun Oportun's customer service is widely criticized, especially for users locked out of their accounts. Many report generic troubleshooting, lack of verbal support for app issues (only loan department available by phone), and unhelpful email communication R73R93. Users express frustration over inability to access funds and lack of resolution for critical problems.
Price & Value tieR54R59R7R13
Acorns Acorns is free to download but operates on a subscription model, with users reporting charges of $1, $3, or $12 monthly depending on the plan R54R59. Many users feel the app 'takes what you save' through these fees, especially if the balance is low R7R59. There are also complaints about being charged after canceling subscriptions R13. Some feel the app has become a 'multi-subscription tier cash grab' compared to its past free offerings .
Oportun Oportun also charges a monthly subscription fee, which some users find parasitic, especially compared to Acorns which invests money R93. Users report being charged even when the auto-saving feature stops working or when they never signed up for the app . There are also claims of fraudulent charges and the app taking money out without user knowledge or consent R76R99.
Pick Acorns if

you are a beginner investor looking for an easy-to-use platform with automated round-ups and investment options, and are willing to navigate occasional login issues and potentially frustrating customer service R8R14R30.

Pick Oportun if

you prioritize automated savings to reach specific financial goals and are comfortable with the app's algorithm determining savings amounts, provided you don't encounter the widespread account access and connectivity issues reported by many users .

Evidence note: Both apps have a significant number of negative reviews, particularly recent ones, concerning customer service, account access, and subscription charges. Oportun's recent reviews show a higher concentration of critical issues preventing users from accessing their money or using the app at all.

Frequently asked

What are the main complaints about Acorns?
The main complaints about Acorns include recurring issues with the app not remembering passwords or PINs, requiring frequent resets R3R25, difficulties with customer service in resolving disputes or account access problems R9R17R41, and concerns about subscription fees diminishing savings, with some users reporting charges even after cancellation R7R13R59.
What are the main complaints about Oportun?
The main complaints about Oportun revolve around severe app reliability issues, such as users being locked out of their accounts, login screens not loading, and inability to connect to banks R63R70R73R87. Many users also report unhelpful customer service, especially for app-related problems R73, and concerns about the app taking out money without clear consent or charging subscription fees even when the service is not working R76R99.
Does Acorns have hidden fees?
Acorns is free to download but charges monthly subscription fees, which are not hidden but are a point of contention for users who feel they significantly reduce savings, especially for small balances R7R59. Users report fees of $1, $3, or $12 per month depending on the chosen plan R54R59.
Is Oportun a scam?
Some users label Oportun as a scam due to reports of fraudulent charges, the app taking money out without knowledge, and difficulty canceling subscriptions or accessing funds R76R79R93R99. Many users also experience being locked out of their accounts with no effective customer support to regain access to their money R73R87.

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. [R8] Acorns 5/5 · US Awesome: Great investment tool for all ages! If u want to teach or learn how investing works try it.
  2. [R11] Acorns 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. [R14] Acorns 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. [R30] Acorns 5/5 · US Entry Level Investing: This platform is very educational and easy to get you started investing in the stock market.
  5. [R12] Acorns 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.
  6. [R24] Acorns 5/5 · US Savings: Acorns is extremely easy to use and I’m thrilled how much I’ve been able to save
  7. [R40] Acorns 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 👍🏻
  8. [R9] Acorns 3/5 · US Not as self intuitive: I love this program and it is a great idea. I do wish that it had more support and or instructions to understand how to set up things. How things are working. And perhaps better support as well for my customer service support perspective.
  9. [R17] Acorns 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
  10. [R23] Acorns 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
  11. [R41] Acorns 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.
  12. [R54] Acorns 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.
  13. [R59] Acorns 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”
  14. [R7] Acorns 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.
  15. [R13] Acorns 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.
  16. [R3] Acorns 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.
  17. [R25] Acorns 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.
  18. [R63] Oportun 3/5 · US Broken app: After the latest update I can’t seem to connect to my bank. I wish I had not updated the app.
  19. [R70] Oportun 2/5 · US App login not working!: Unable to login. This issue needs to be resolved asap. Help option not working as well, not able to reset password.
  20. [R73] Oportun 1/5 · US DO NOT USE!: I was suddenly locked out of my account without warning and neither my password nor Face ID worked. Customer support only provided generic troubleshooting steps (reinstall app, update, try another device, check Wi-Fi), none of which solved the issue. I was then locked out again for 24 hours. Communication with customer service has now been going on for a full week VIA EMAILS and I st
  21. [R87] Oportun 1/5 · US Don’t Download: I’ve used Oportun since when it was Digit. I loved it. Over this past week, however, I haven’t been able to use the app to get into my account. First I got errors and now the login screen won’t load. I have thousands of dollars in my account! Further, I’ve noticed recently that it’s been taking out hundreds of dollars at a time instead of the small increments it used to. Once I get
  22. [R76] Oportun 1/5 · US Complete scam: This app is a complete scam and it will randomly take hundreds of dollars out of your account that you never setup. It’s inconsistent and fraudulent. Don’t download or use
  23. [R79] Oportun 1/5 · US Scam: Does not let you contact them to cancel, scam app don’t purchase!
  24. [R93] Oportun 1/5 · US SCAM!!: This is a scam. First of all, it isnt free, you need a subscription to use its services. Secondly, trying to delete your account (which you have now linked to your bak info) is a NIGHTMARE. I couldn’t contact anyone, tried their email which didnt work, then called them within their listen business hours, and was told by their system i called outside their business hours, then hung up on. T
  25. [R99] Oportun 1/5 · US Great Idea, BUT Takes Money Out Without Knowledge: Great concept for helping one save money, BUT I don’t like how it takes more money out often without it clearing it from you first. Yes, you can set limits to reach certain goals but after deleting these goals it still charged me. For that reason I deleted the app because I didn’t like how it would STULL take money out even when I manually set it

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