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Why do I have to pay anything for Acorns Spend? Aren’t checking accounts free?

Acorns Spend is a system that comes with an investment account and a retirement account, and is designed to save, invest, and earn for you. We’ve designed our features so that you can offset your subscription price by simply using your card and investing for your future with every purchase.

While most banks charge, on average, 22 different hidden fees, we promise to charge no hidden fees — and provide only surprise upgrades.

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, an SEC registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing involves risk and investments may lose value. Please consider your objectives and Acorns pricing before investing. Past performance does not guarantee future results. Investment outcomes and projections are hypothetical in nature. Limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved. To be eligible for the reward, the person you refer must use your personal invitation code when they sign up. Acorns reserves the right to restrict or revoke this offer at any time. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. "Acorns" and "Invest the Change" are registered trademarks of Acorns Grow, Inc.