Invest in Qoins today!

Pay Off


Achieve financial freedom and reduce stress, so you can focus on the things that matter most to you in life.

Get Started with Qoins

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Bank-grade, AES 256 & TLS security technology
FDIC Insurance up to $250,000
Human-Powered Customer Success

Qoins Add Up

Qoins turns small transfers throughout the month into one big monthly contribution towards your DEBT or SAVINGS goals.
Erase debt. Start saving. Achieve financial freedom.

Set a goal

After signup, set a DEBT or SAVINGS goal (so we know where to send your extra payments).

Need to pay debt and save?

Check out the Qoins Bundle

Choose your
transfer method

Choose your transfer method, which is how and how often you want Qoins to make those extra payments for you.

Track progress &
achieve your financial goals‍

Once you’ve tackled one goal, keep the momentum and start on the next. Use Qoins to visualize progress, set bigger money goals, and keep the money growing!

Erase Debt with
Every Swipe

The Qoins debit card is the only card on the planet that pays down debt for you with each swipe.

Learn more about Qard
Keep the Change

Keep the change

While others promise a quick fix, we believe true financial wellness is a journey. When you ride with Qoins, you’ll see the healthy outcomes that come with eliminating debt.

Improved Credit Score

2 - 7 Years Shaved Off Loan Term

AVG $3,200 Saved On Interest*

*Based on a national average

Over $20,000,000 of debt paid off, and counting

Join other Qoins customers who are paying off millions of dollars of debt.

Start Achieving Financial Freedom


No-nonsense pricing



1 Pay Off Debt or Savings goal

Unlimited Automated Savings

Unlimited Withdrawals & Deposits

Overdraft Prevention




Both a Pay Off Debt & Savings Goal

Unlimited Automated Savings

Unlimited Withdrawals & Deposits

Overdraft Prevention

Pay Off Multiple Types of Debt (up to 5 lenders)

Qoins Debit Card

Get Started with Qoins

I was looking for a simple, hassle free approach to tackling my outstanding credit card debt. Qoins made it so I didn’t even have to think about putting a little aside to help my debt. It just did it!

Daniel A.

A good place to start

Learn the good habits

Explore the Qoins Blog

FAQs →

How much does Qoins cost?

Can I pay off more than one debt with Qoins?

How secure is Qoins?

When do you send payments towards my debt?

© 2021 Qoins Technologies, Inc. All Rights Reserved

Qoins Visa® Debit card is issued by Evolve Bank & Trust, Member FDIC. Pursuant to a license from Visa U.S.A. Inc. Card is a prepaid debit card. Card can be used everywhere Visa debit cards are accepted.

*Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.