Work smarter, not harder by opening a Quontic High Yield Savings account. Just sit back, relax, and watch your money grow. Their competitive APYs, low minimum deposits, and access to thousands of free ATMs nationwide make them a top online bank.


0.20% - 4%

Asset Class Return1Y

#0 Rank

In Savings30d


Invest from



Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products that transcend legacy banking inequities. The bank focuses on truly understanding and serving the underdogs, entrepreneurs, gig-economy workers, immigrants, and more with a curated banking experience as opposed to a one-size-fits-all banking approach. Their high yield savings account interest is compounded daily and credited to the account every month.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return


  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Compounded Daily

  • No monthly service fee

  • 90,000+ surcharge-free ATMs

How you make money

Place your money into the high yield savings account and start earning. Interest on the High Yield Savings Account is compounded daily and posted to accounts monthly.


Also save money at ATMs with 90,000+ surcharge free ATMs when you use your Quontic ATM card. You can spend your money like any other checking account. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card. You can get started by making an account in less than 3 minutes and only need to add $100. It is important to note that interest is compounded daily and credited to your account monthly using the daily balance method. In order to earn the advertised APY, you must make 15 point-of-sale debit card transactions per statement cycle. If the conditions are not met, the account will earn the base APY.


Quontic has also added a 1.5% bitcoinback debit card. On a daily basis, 1.5% of each Qualified Point of Sale (POS) purchase with your Quontic debit card will accrue in US dollars and then be used to purchase Bitcoin on your behalf on the following business day at 4pm London Time. As long as you continue to make qualifying purchases with your Quontic debit card, each daily bitcoin purchase will be added to your balance in your NYDIG account until you decide to redeem it.

How Quontic makes money

There are no fees to use the Quontic High Yield Savings Account or High Interest Checking Account. As a bank, Quontic makes money through the interest they make on loans and other banking fees. They also push you to use their debit card 15 times on a monthly basis to maintain your 1.25% checking APY. Through debit card usage, they earn merchant fees.

Is it safe?

Quontic is a Member FDIC, your deposits are secured for up to $250,000. FDIC deposit insurance covers the balance of each depositor's account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closing. This ensures that your money is safe, even in a saving and checking account that earns more than the average bank.


In terms of bitcoin rewards, although there is always risk to online accounts, NYDIG has a highly secure, well regulated, audited and cold storage custody solution which has passed stringent diligence tests and follows best practices in terms of cybersecurity and employs defense in depth to keep your bitcoin rewards safe.

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