Betterment From $0.05/mo · Free plan 9.2 Visit 
Goin
goin.app
What it is
Goin combines automatic saving, budgeting, cryptocurrency investment and shopping rewards in a financial app for Android and iOS, with a Chrome extension for browser offers. Users can connect a bank or card through PSD2 and save with round-ups, scheduled contributions, habit-based rules or a percentage of income. Goals and wallets separate money and show progress; users can also pay into friends’ goals or request money that arrives instantly. Investment options cover more than 50 cryptocurrencies, including Bitcoin, Ethereum, Cardano, Polygon and Avalanche. Its saving accelerator advertises 5% APY through investment in a DeFi protocol. Participating brands provide automatic cashback, while the app offers hundreds of discounted virtual gift cards. The extension adds cashback, gift cards and coupons across more than 1,000 brands. Goin says data is encrypted with 256-bit TLS and funds are held by Easy Payments and Finance E.P.S.A., registered with the Bank of Spain under code 6849. The free plan includes automatic saving, investment options and rewards; Goin Pro costs 1.33€/month. Inactive accounts may incur monthly fees after three, nine and twelve months.
Spec sheet
- Purpose
- Goin is an AI financial platform for growing money and buying cheaper online and offline.Read 30 Sep 2026 · goin.app
- Security
- Goin says data is encrypted with 256-bit TLS and money is held by Easy Payments and Finance E.P.S.A., registered with the Bank of Spain under code 6849.Read 30 Sep 2026 · goin.app
- Support
- The listed support email is [email protected].Read 30 Sep 2026 · play.google.com
- Headquarters
- Barcelona, SpainRead 28 Sep 2026 · goin.app
- Automatic saving
- Saving methods include expense round-ups, regular contributions, habit-based saving and saving a percentage of income.Read 30 Sep 2026 · goin.app
- Bank connection
- Users can connect any bank or card through PSD2.Read 30 Sep 2026 · goin.app
- Browser extension
- The Chrome extension provides cashback, discounted gift cards and coupons across more than 1,000 brands.Read 30 Sep 2026 · goin.app
- Budgeting
- Users can separate money into goals or wallets, track progress and receive information.Read 30 Sep 2026 · goin.app
- Cashback
- Users receive automatic cashback when spending with participating brands in the app.Read 30 Sep 2026 · goin.app
- Crypto investing
- Goin offers investment in more than 50 cryptocurrencies, including Bitcoin, Ethereum, Cardano, Polygon and Avalanche.Read 30 Sep 2026 · goin.app
- Gift cards
- The app offers hundreds of discounted virtual gift cards.Read 30 Sep 2026 · goin.app
- Inactive-account fees
- Inactive accounts may be charged monthly fees of 0.99€ after three months, 1.99€ after nine months and 2.99€ after twelve months.Read 30 Sep 2026 · faqs.goin.app
- Payments
- Users can pay directly to friends' goals and request money that they receive instantly.Read 30 Sep 2026 · goin.app
- Privacy compliance
- Goin says it encrypts and stores data and complies with European GDPR and Spanish data-protection legislation.Read 30 Sep 2026 · faqs.goin.app
- Saving accelerator
- The saving accelerator advertises 5% APY through investment in a DeFi protocol.Read 30 Sep 2026 · goin.app
Plans and prices
Goin Free automatic saving · investment options · Rewards Read 30 Sep 2026 · faqs.goin.app
Goin Pro €1.33 a month 1.33€/month more cashback · flexible and speedy saving · withdraw money whenever and however you want Read 30 Sep 2026 · play.google.com
Strong points and limits
Strong points
- Connects banks and cards through PSD2.
- Offers several automatic saving methods.
- Invests in more than 50 cryptocurrencies.
- Includes cashback and discounted gift cards.
- Free plan includes saving, investment options and rewards.
Limits
- Goin Pro costs 1.33€/month.
- Inactive-account fees may apply after three months.
- The 5% APY is advertised through DeFi investment.
Who it suits
Goin suits people who want to organize savings into goals, automate contributions or explore cryptocurrency investments alongside shopping rewards. Its free plan includes automatic saving, investment options and rewards, while Pro adds more cashback and flexible, speedy saving.
Verdict
Goin brings automated saving, goals, cryptocurrency investment and shopping rewards together across mobile apps and a Chrome extension. Readers should note the Pro fee, possible inactive-account charges and the DeFi basis of the advertised 5% APY.
Where Specifiction places it
- Automated Savings Apps#8 of 188.3
