One isn’t necessarily better than the other. In fact, both have some similar features. Qapital and Acorns both have a round-up feature where you can round up your purchases to the nearest dollar and save or invest the difference. They both also offer spending accounts and investment portfolios. That said, one could be better than the other for you, depending on your goals. Qapital is primarily a mobile banking app that lets you set up creative savings rules. The ETF investment portfolio option is an additional feature. Acorns, on the other hand, is an investing-focused app where investing tools are the main draw. With Acorns, you can invest money for retirement in an IRA using Acorns Later. You can also invest for your child in a UTMA/UGMA account through Acorns Early. If your priority is topping up your savings account balance, Qapital could potentially be the better way to go. If your focus is investing, Acorns might offer more options.