Impacted by our recent bank migration? learn more here

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

As featured in

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 Card is the only prepaid 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.

Improve Credit Score
with Extra Payments

2 - 7 Years Shaved Off Loan Term

AVG $3,200 Saved On Interest*

*Based on a national average

Over $30,000,000 of debt paid off, and counting

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

Achieve Financial Freedom Today


No-nonsense pricing



Easily automate extra debt payments and savings contributions

Cashback* towards debt or savings goals  with the Qoins Card

Erase credit card balances 3x faster

Pay off up to 5 Debt Accounts at once   (Credit Cards, Auto Loans, Student Loans, Mortgage)

Put Qoins on auto-pilot using:  round-ups, SmartSavings, weekly withdrawals, or ‘when I get paid’

Qoins Monthly
Qoins Annual



ALL of the benefits of Qoins Monthly

Qoins Annual saves you $10/year which is like getting two months FREE!

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?

© 2022 Qoins Technologies, Inc. All Rights ReservedThe Qoins Card is issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

The Qoins Card is a prepaid debit card and can be used everywhere Visa debit cards are accepted. Deposits into Savings and Debt Goals are insured up to $250,000 by the financial institution holding the funds, Evolve Bank & Trust, Member FDIC.