An offer for you

Claim your $5 $10 bonus investment & 200 Klover points

In under 3 minutes, start investing spare change, saving for retirement, earning more, spending smarter, and more.
Get my $10 bonus
Here's how
1
Set up your Acorns account in under 3 minutes
2
Set up Recurring Investments
3
Make your first successful Recurring Investment (min $5) - get your $10 within 10 days of following month
Bar graph displaying growth over time
The average Acorns customer invests $166 within 4 months just by rounding up spare change!
Note: Acorns is not a savings account. Please see disclosures at bottom of page.
The promoter directing you to this page will receive cash compensation of up to $100 if you open an Acorns account and make your first deposit. Compensation provides an incentive to positively endorse Acorns and therefore opinions within the material may be biased. For a larger representative sample, refer to reviews of Acorns available online and on public review forums such as the Apple App Store and Google Play Store. You will not incur any additional costs for being referred to Acorns by the promoter. Acorns and the promoter are not under common ownership or otherwise related entities. The promoter may advertise Acorns investment advisory services and may offer independent analysis and reviews of Acorns.
Save & Invest Every Day

Easy investing
for the
growth-minded

Start automatically investing spare change with every swipe.
Make investing easy
Make investing easy
Purple Checkmark Automatically invest spare change from everyday purchases into a diversified portfolio
Purple Checkmark Checking with a debit card that saves & invests for you
Purple Checkmark $5 investment minimum
Aim for your goals
Aim for your goals
Purple Checkmark Access smart portfolios designed by experts and recommended based on your goals
Purple Checkmark Diversify through ETF portfolios, some with exposure to over 7,000 stocks and bonds
Purple Checkmark Benefit over time with the potential of compound returns
Maximize your growth
Maximize your growth
Purple Checkmark Setup the Round-Ups® feature, daily/weekly/monthly contributions, or one-time deposits
Purple Checkmark Earn bonus investments with our browser extension as you shop at 14,000 brands and refer friends
Purple Checkmark Smart money tips and tricks
Get my $10 bonus
Grow Your Knowledge
New to investing?
No worries.
There’s no one right way to invest. But these time-tested principles can be a great way to get started!
Hand holding phone
It’s often said the best time to invest was yesterday
It’s often said the best time to invest was yesterday
The second best time could be today. Invest early and invest often to let your money take full advantage of time and the stock market.
Don’t put all your eggs <br class='hide-on-desktop hide-on-tablet'> in one basket
Don’t put all your eggs
in one basket
Investing in a diversified collection of ETFs can help limit the effects that poor performance of a single investment may have on your portfolio. Investing for the long-term and staying diversified can reduce the impact of market volatility on your overall portfolio.
“Compound interest is the 8th wonder of the world.”
“Compound interest is the 8th wonder of the world.”
We know money doesn’t grow on trees, but with compound interest or compound returns, money can grow on itself. The longer you invest in a diversified portfolio, the more you're giving your money a chance to work for you.
From Acorns <br class='hide-on-desktop hide-on-tablet'>mighty oaks do grow
From Acorns
mighty oaks do grow
One of investing’s biggest lies is that you need a lot of money to start — that’s just not true! Acorns makes it easy to invest your money into a diversified, expert-built ETF portfolio. Best of all, you can get started with just your spare change!
Get my $10 bonus

Frequently asked

How does Acorns work?

Right arrow

Acorns offers two different subscription tiers for your life’s financial needs.

 

Acorns Personal - $3/month

Your personal financial wellness system, with all-in-one investment, retirement, and checking, a heavy metal debit card, bonus investments, education, and more!

 

Acorns Family - $5/month

Investment accounts for unlimited kids per family! Plus personal investment, retirement, and checking accounts, bonus investments, education, and more!

 

What are the different accounts in the tiers? 

Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Depending on your portfolio, your investments can be diversified across more than 7,000 stocks and bonds, and Acorns automatically rebalances your portfolio to stay in its target allocation.

 

Later, the retirement account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app recommends an IRA account for you based on your goals, employment and income.

 

With Acorns Checking, our checking account and debit card, you can save, invest and earn while you spend. Acorns Checking has no overdraft or minimum balance fees, plus free Allpoint ATM access nationwide.

 

Round-Ups® and Investing

With Round-Ups®, we round up any purchase made from a linked account, debit or credit card to the next dollar. We invest Round-Ups® in your Acorns Invest account when they add up to at least $5 from all linked accounts. You can find and manage your Round-Ups® within your Invest account.

 

Round-Ups® will always be transferred from your primary checking account.

 

Recurring Investments allow you to invest as little as $5 per day, week or month into your Acorns accounts.

 

And you can make one-time investments anytime to boost your account value. When you create your profile, we'll suggest a portfolio based on your answers to a few questions, but you can change it at anytime. The portfolio recommendation is designed with the goal to maximize potential returns at a selected level of risk.

 

Where do we invest it? The money in your Acorns Invest account is invested in different exchange-traded funds (ETFs). These funds include stocks, bonds and other securities. Read more about it at acorns.com/invest.

 

What makes Acorns different?

Our 5 investment portfolios were designed with the goal to maximize potential returns at a selected level of risk. There are no account minimums and we don't work on commission. Our goal is to give you the tools to take the best financial care of yourself, easily.

 

For our low monthly fee, you get:

 

  • Diversified portfolios
  • Automatic rebalancing
  • Access to Acorns Earn partners to earn while you shop
  • On the go accessibility through our mobile and web app
  • Investment support from our dedicated support team
  • Access to Acorns Later, an easy way to save for retirement
  • Access to Acorns Checking, with a debit card that saves, invests and earns for you

 

The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With Acorns, you can start early and invest often, without making big changes to your everyday life. In fact, you can start with as little as $5.

What do I need to get started?

Right arrow

Once you download the Acorns app or sign up through our web app, you’ll need:

 

  1. A valid email address where we can reach you and regularly send you account information.
  2. Your online banking log-in information to link your accounts to fund your investments and use Round-Ups®. (Please note, you MUST be listed as an owner on the bank account)
  3. Your physical address - this should be your most permanent address since we can't accept a PO Box or business address. (Please note- you will be able to designate a different mailing address if needed)
  4. Your Social Security Number or ITIN.
  5. General Profile Information like your financial goals, occupation, and earnings. This will help us recommend the right portfolio for you.

 

After signing up, you may also need to upload a photo of your government-issued ID or other documentation that allows us to verify your identity.

 

That’s it! Most accounts are approved within 1 business day. If you experience a delay in getting your account approved, please reach out to Support.

Where is my money invested?

Right arrow

Important Disclosures

Welcome to the Acorns site, operated by Acorns Advisers, LLC ('Acorns'). Sign up bonus is exclusively for new customers who have not previously opened an Investment Account. To be eligible for sign up bonus, a customer must deposit a minimum of $5, in an Acorns Invest, Early, Later, or Checking account via the Recurring Investment feature. Customer deposit must settle within the same month users were verified, or within 15 days of the subsequent month. Account approval is contingent on verification and approval pursuant to regulatory requirements. Acorns is only offered to US-residents who are 18 years of age or older. Acorns reserves the right to restrict or revoke this promotional offer at any time and without notice.

More information about Acorns Advisers is available in the wrap fee program brochure, and our customer relationship summary.

© 2022 Acorns

Important Risk Disclosures

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled, view details in our program agreement. Investment advisory services offered by Acorns Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. Compounding is the process in which an asset's earnings are reinvested to generate additional earnings over time. It does not ensure positive performance nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. 

Spare change invested with Round-Ups® is transferred from your linked funding source to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Round-Up investments from an external account, will be processed when your Pending Round-Ups reach or exceed $5.

The average Acorns investor, with a verified and active account, has invested $166 between 1/1/21 and 4/30/21 using the Round-Ups® feature. Individual results will vary and averages only take into account the Round-Ups® investments themselves and do not reflect the impact investment volatility will have on overall performance.

Acorns Invest is an individual investment account. Acorns Later is an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Invest and Later recommend a portfolio of ETFs (exchange traded funds) to clients, please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. 

Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. 

Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. 

Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. 

For additional important risks, disclosures, and information, please visit https://www.acorns.com/terms/

© 2022 Acorns Grow Incorporated | Disclosures | Accessibility | Privacy Policy | Your Privacy Choices

Acorns Logo
Acorns
Over 10 million sign ups
Get started Get the app