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Join Save App Review - What You Need To Know

9th May 2024 Print

Save has become one of the most popular savings apps on the market, with impressive variable returns of 9.07%.

With this review, we looked into the features, benefits and potential drawbacks of Save's innovative Market Savings program. 

From competitive variable APYs to transparent fee structures, we explore how Save is revolutionizing the way individuals save and invest their money. 

Join us as we uncover the key aspects of Save's offerings and discover if it's the right fit for your financial goals.

What is the Join Save App?

Save is a financial startup that seeks to empower users by providing access to higher-yield savings opportunities while prioritizing the security and integrity of their financial assets. 

Whether you're a seasoned investor or a novice saver, Save offers a comprehensive suite of solutions designed to propel your financial journey forward with confidence and clarity.

At the forefront is the Market Savings product, a groundbreaking solution that combines the accessibility of a traditional savings product with the potential for substantial returns. 

With a variable APY of 9.07%, Save's Market Savings offers an enticing opportunity for savers to tap into higher yields than those offered by conventional savings accounts.

Join Save App Review - Key Features:

Account Types: Banking or Investments

Minimum Deposit: $1,000
Fees: 0.20% management fee
APY on 1-Year Term: 9.07% (Variable)

Withdrawal: Any time (subject to advisory fees and account costs)
Earning Limit: None
Guaranteed Rates: No

How Easy Is It To Open An Account With Join Save?


Opening an account with Save is a straightforward process. Simply provide your personal information, choose your deposit amount and select your preferred investment portfolio. 

Save then facilitates the opening of a non-interest bearing account at Webster Bank and an investment account at Apex Clearing. Your funds remain FDIC-insured and are invested according to your chosen portfolio.

Note that not all applications will be approved. Various factors are taken into account during the account opening process and your application could be rejected if you do not pass Save’s identity verification system or their risk assessment.

What Are The Pros and Cons of Using Save?

One of the most appealing aspects of JoinSave is its diverse range of investment portfolios, catering to varying financial objectives. Whether it's the S&P 500 Risk-Controlled Portfolio, the ESG Portfolio or their US Macro Portfolio, JoinSave offers a comprehensive selection of investment avenues designed to suit every investor's needs.

Here are some other pros and cons to consider:


FDIC-insured deposits provide peace of mind.
High variable APY offers the potential for substantial returns.
Robust security measures ensure the safety of your data and investments.
Referral program incentivizes growth for both parties.


Variable APYs are subject to market fluctuations.
Returns are not guaranteed, may be 0%.
Early withdrawal may incur costs.

What Is My Earning Potential and Are There Fees?

There is no limit to how much you can earn, and all investment returns (minus the management fee) belong to you, allowing you to maximize your earnings potential.

It's important to note that while Save strives to provide competitive returns, the actual performance of your investments may vary based on market conditions. As with any investment, there are inherent risks, and returns are not guaranteed. 

To get started, all you need is a minimum deposit of $1,000. By investing through Save, you can enjoy the peace of mind that comes with FDIC insurance, which covers your deposits up to the maximum allowed by law—$250,000 per depositor, per bank.

Save has a transparent fee structure. With a modest management/advisory fee of 0.20%, the Save investment programs ensure that users only pay when they see tangible returns on their investments, aligning its interests with those of its customers.

How Do I Know How My Money Is Performing?

With Save's Market Savings program, tracking the performance of your funds is both simple and convenient. By logging into the Save app, users gain access to comprehensive insights into their investment journey.

From your current account return to the performance of your market investments, the app provides daily updates to keep you informed every step of the way.

The app offers detailed analytics to help you gauge the effectiveness of your investment strategy, helping you assess the growth of your portfolio and evaluate the overall success of your investment program.

Join Save App Review - Is It Safe??

Safety and security are paramount considerations when entrusting your money to any financial platform. With Save, users can rest assured that their investments are safeguarded through a combination of robust measures and regulatory oversight.

Through its partnership with Webster Bank, Save ensures that users' deposits are held in FDIC-insured accounts, providing an additional layer of security against unforeseen risks.

Investments made through the Save app are held in accounts managed by Apex Clearing, a trusted clearinghouse registered with the Securities and Exchange Commission (SEC). This affiliation ensures that users' investment accounts benefit from SIPC insurance coverage, further enhancing the safety of their investments.

As with any financial decision, users are encouraged to conduct thorough research and consider their individual risk tolerance before investing through the Save app.

How to Contact Join Save

For users seeking assistance or clarification regarding Save's products and services, reaching out to customer support is a straightforward process. By emailing, users can access prompt and reliable assistance.

Save's innovative approach bridges the gap between traditional banking and investment platforms, offering users the opportunity to maximize their savings potential. While the variable APYs present an enticing prospect for growth, users should remain mindful of market volatility and associated risks. 

From our experience, Save stands as a promising avenue for individuals seeking higher returns on their savings.

Editorial Disclaimer:

The views expressed in this article are solely those of the author and do not necessarily reflect the views of any financial institution, including Save. The author's opinions are based on independent analysis and personal experiences. As with any financial decision, we recommend conducting thorough research and seeking advice from a qualified financial advisor before making any investment choices.

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