30+ Best Fintech Apps: To Save, Invest, and Grow Your Money!

For international finance, Wise is your go-to app. You can send and receive payments with transparent, low fees and the real exchange rate, eliminating costly bank conversions. Hold funds in over 40 currencies and spend globally with ease.

Wise has fundamentally changed the game for global finance, making it one of the best international money transfer apps available today. It serves millions of people and businesses by eliminating the excessive fees and poor exchange rates typical of traditional banks. As a consultant who works with clients across Europe and Australia, Wise has been indispensable. I found people using their European IBAN or Australian BSB/account to get paid directly in EUR and AUD, avoiding conversion fees.

This multi-currency account allows you to hold funds in more than 40 currencies and switch between them instantly for a small, transparent fee. The Wise debit card then lets you spend that money in over 160 countries, automatically using the local currency you hold. For businesses, it acts as an essential tool for any global operation, simplifying everything - from paying international invoices at a fair rate to integrating with platforms like Stripe and Xero.

With Xoom, you gain the power to send money abroad with ease, even for cash pickup. You benefit from transparent pricing and constant tracking, guaranteeing your funds are delivered securely and reliably to friends and family, regardless of their account status.

Xoom, a PayPal service, stands out among fintech mobile apps by blending digital convenience with extensive physical delivery options. Its strength lies in sending money to friends and family abroad, especially when they need to receive physical cash. The ability to send a payment that could be picked up at one of over 5,000 locations provided a reliable solution that a simple bank transfer couldn't match.

The platform offers competitive, transparent rates and real-time tracking, so you always know the status of your transfer. You can send money for a bank deposit, mobile wallet transfer, or even top up a contact's mobile phone minutes directly. With the backing of PayPal's robust security and fraud monitoring, you can send funds to over 160 countries with confidence, knowing the transaction is protected and your recipient doesn't even need a PayPal or Xoom account to get their money.

Revolut lets you effortlessly manage all your money in one place. You can easily switch currencies, secure online payments with virtual cards, budget smarter, and even invest – making global finance simple and secure.

Revolut has earned its reputation as one of the top neo-banking apps by consolidating a massive suite of financial tools into one intuitive interface for its 50 million users. As a professional managing both personal and business finances across borders, Revolut's versatility is a key advantage. You  can instantly switch between 25+ currencies to pay an international invoice. The app also lets you use a single-use virtual card for a secure online purchase, ensuring your primary card details are never exposed.

The app provides powerful budgeting and analytics tools that give you a clear picture of your spending habits and notify you of upcoming subscription charges. For those looking to grow their wealth, Revolut offers access to over 2,000 stocks from $1, alongside Savings Vaults that offer a competitive APY. For families, the Revolut <18 account is a standout feature of this app. This is an outstanding feature for kids below the age of 18 to learn money management in a safe and controlled environment. While the free plan is robust, upgrading to a paid tier like Premium or Metal unlocks even more powerful benefits, such as higher savings rates and exclusive perks.

Credit Karma's main strength is offering you free, regular access to your credit scores and reports. You can easily track your credit health, get alerts for potential fraud, and even discover personalized financial product recommendations, all designed to put you in control.

Credit Karma provides a comprehensive suite of tools designed to demystify your finances. Its core value is providing free, regular access to your VantageScore 3.0 credit scores and reports from two of the three major bureaus, TransUnion and Equifax. This allows you to track changes, understand what factors are impacting your credit, and see how you might appear to potential lenders. The platform excels at translating complex credit data into actionable insights.

Beyond scores, you can link your bank accounts to get a holistic view of your spending and monitor transactions. Their services also include free identity monitoring, which alerts you if your personal information is found in a data breach. While it’s not a payment gateway, it helps you find competitive offers for loans, credit cards, and even car insurance based on your credit profile. Additionally, the integration of a free tax filing service makes it a remarkably versatile tool for managing your overall financial well-being.

You'll instantly see how your credit measures up with the "Sesame Grade" and get free daily score updates. Credit Sesame gives you actionable insights and specialized tools, including a secured debit card and rent reporting, to actively boost your credit health.

Credit Sesame aims to be an active partner in your financial journey, distinguishing itself among the best credit monitoring apps with its focus on growth and education. The "Sesame Grade" feature stands out as a particularly effective tool. It translates complex credit data into a simple A-F letter grade across the five key factors that impact your score, making it easy to see exactly where you stand and what needs attention. The free version is great for monitoring credit score.

You get free daily updates to your TransUnion credit score, allowing you to see the immediate impact of your actions. With the paid plans, you get credit scores and a simulator to see how financial decisions impact your score. These plans offer credit scores from all three bureaus including, Equifax, Experian, and TransUnion.

For users serious about improving their credit, Credit Sesame offers powerful premium tools. The Credit Builder is a secured debit card that helps build positive payment history with everyday purchases. The platform also offers a rent reporting service, allowing you to get credit for on-time rent payments—a significant expense that often goes unrecognized by bureaus.

With myFICO, you get the real FICO Scores that lenders see, not just estimates. This allows you to truly understand your credit health, compare scores across bureaus, and confidently prepare for major financial moves like mortgages or car loans.

myFICO is the official consumer-facing service from FICO, the company that created the predominant credit scoring model used in lending decisions. While other services provide a VantageScore, myFICO delivers the industry-standard FICO Scores that are critical when applying for a mortgage, auto loan, or new credit card. Knowing what your lender knows helps you avoid surprises and puts you in a stronger negotiating position.

The paid plans offer comprehensive, side-by-side credit reports and scores from all three major bureaus: Experian, TransUnion, and Equifax. Since scores can vary between bureaus, monitoring is crucial. That's why the app provides 24/7 credit and identity monitoring, alerting you to any changes or potential fraud. For strategic planning, the FICO® Score Simulator is an invaluable tool that lets you explore how actions, like paying off a loan, might impact your scores. Even the premium plans also include $1 million in identity theft insurance and access to U.S.-based restoration specialists.

Brigit uniquely predicts overdrafts and can automatically send you up to $250, saving you fees. Beyond that, you get a powerful Credit Builder loan and free tools for budgeting and monitoring your credit score, boosting your overall financial well-being.

Brigit has carved out a unique space among the best finance apps by combining immediate financial relief with long-term financial wellness tools. The app can provide an interest-free cash advance of up to $250 to help you avoid costly overdraft fees, with no credit check required. This feature is intelligently designed, as the app analyzes your spending to predict if you're at risk of an overdraft and can automatically send funds.

Beyond that immediate support, Brigit offers a powerful Credit Builder loan. With payments as low as $1 per month, it reports your activity to all three major credit bureaus (Experian, Equifax, and TransUnion), which is crucial for establishing a positive payment history. The platform offers free tools for budgeting, finding side hustles, and monitoring your credit score. It's a comprehensive toolkit designed to improve your overall financial health, not just provide a temporary fix.

Gain control over your pay with EarnIn. You can access money you've already earned, avoiding high-interest payday loans. You decide what to tip, and benefit from Balance Shield for overdraft protection and tools to monitor your credit, empowering your financial wellness.

EarnIn pioneered the concept of Earned Wage Access, establishing itself as a top fintech mobile app by giving workers control over their pay. The most compelling aspect of EarnIn’s model is its fairness. Instead of charging interest like a traditional payday loan, EarnIn lets you access up to $750 per pay period from the wages you've already accrued. The service operates on a voluntary tip model, putting the user in control of what they pay for the service.

The app is designed to be a comprehensive financial wellness tool. Its Balance Shield feature helps you avoid costly overdrafts by sending automatic alerts and transfers from your earnings if your bank balance runs low. You can also get your entire paycheck up to two days early for a small fee. With additional free features like credit score monitoring and an automated savings tool called Tip Yourself, EarnIn provides a powerful suite of services designed to give you more flexibility and control over your financial life.

TurboTax makes taxes easy, letting you choose how to file – from free self-preparation for simple cases to full expert service with TurboTax Live. You'll appreciate features like easy W-2 photo imports and comprehensive audit support, ensuring confidence in your return.

TurboTax has long been one of the best tax apps because it effectively demystifies the filing process for millions of users. My research shows its key strength lies in its tiered service model. You can start for free, and if your situation is simple (~37% of taxpayers qualify), you can file federal and state returns at no cost. For more complex situations involving investments or self-employment, you can seamlessly upgrade to a version with the specific forms you need.

What truly sets it apart is the on-demand access to human expertise. TurboTax Live lets you get your taxes reviewed by a pro, or have an expert handle everything. Features like snapping a photo of your W-2 to auto-fill information and importing data directly from financial institutions streamline the process significantly. The platform's 7-year lifetime guarantee, which includes audit support, provides peace of mind long after you've filed.

H&R Block Tax Prep offers unparalleled flexibility for your taxes. You can effortlessly import documents and access strong free filing options. For assurance, opt for Tax Pro Review: a professional checks, signs, and files your return, ensuring accuracy and your maximum refund, guaranteed.

H&R Block Tax Prep stands out as one of the best tax software for filing income tax returns by offering a flexible, hybrid approach. The app makes it incredibly easy to get started by allowing you to upload last year’s return from another provider, instantly populating the fields. With the app, you can simply snap pictures of the documents to import data.

The platform provides a robust free filing option that accommodates more forms than many competitors. For more complex situations, you can seamlessly upgrade to paid tiers that include features like AI Tax Assist and live chat with tax pros. With Tax Pro Review, you do your taxes, and a pro makes sure they're accurate, signs, and files them. This provides an invaluable layer of confidence, backed by H&R Block’s maximum refund and 100% accuracy guarantees.