5 Popular Fintech Apps and Which Ones Still Work

By Henry Gray

Updated Oct 7, 2026Published Dec 8, 20217 min read

Note (October 2026): Earlier versions of this article presented Prism and Mint as current apps; Prism was discontinued on February 20, 2024 and Intuit shut down Mint on March 23, 2024. MoneyLion has been owned by Gen Digital since April 2025.

The five fintech apps covered here are Planto, Prism, Acorns, Mint and MoneyLion. As of October 2026, three are still available: Planto (budgeting, focused on Hong Kong), Acorns (automated micro-investing) and MoneyLion (digital banking and Instacash advances). Prism shut down on February 20, 2024, and Intuit closed Mint on March 23, 2024, directing users to Credit Karma.

Mobility has left a great impact on businesses in every possible aspect. Banking, budgeting and investing apps are now a routine way for many people to manage money from a phone. Fintech (financial technology) applications are a major focus for the banking industry.

Fintech Android Apps Which Can Help You In Daily Life

With these applications, users can deal with banks and other financial institutions without visiting a branch. As a result, paying bills digitally has become more convenient than before.

Be it for crowdfunding, investment, money lending, transaction, or personal finance, these apps serve you with all. This article looks at five well-known fintech apps and explains which of them are still available as of October 2026.

Planto

The Fintech app, Planto helps users manage their personal finances. Users can set financial goals, track savings and expenses, and follow the status of their investments. As of October 2026, Planto is a Hong Kong-focused money tracker whose App Store listing says it connects to more than 50 bank, e-wallet, investment, MPF and reward accounts and categorizes transactions automatically.

Planto keeps a user’s finances in one place. Users create a financial profile in the app, and Planto then tracks spending, savings and goals from the connected accounts.

Its features include budgets, spending analytics and credit card due-date reminders. Developers who want to build a similar product can read guides on how to make a fintech app.

Prism

Another fintech application that was popular for bill management was Prism. Prism was discontinued on February 20, 2024, at 6:00 PM ET, and the app is no longer accessible; the description here explains how it worked. This automated platform tracked bills and sent reminders to pay them, and it let users see their bills and account balances in a single app.

The main benefit was that users did not need to visit a branch to get information about their accounts. While Prism operated, users could do this from home and could also check account balances, monthly expenses and savings through it.

Acorns

Acorns is an automated micro-investing service, founded in 2012 and based in Irvine, California, that invests spare change and recurring deposits into diversified ETF portfolios rather than offering one-to-one human advice. The app offers portfolio options, including sustainable or ESG investments and explains how each option works, although investment returns are never guaranteed. Acorns also publishes financial education articles and videos through Acorns Learn.

Its checking account, used with the Mighty Oak debit card, has no ATM fees at more than 55,000 fee-free ATMs, according to Acorns as of October 2026. Through Acorns Earn, users can also receive bonus investments when they shop with participating businesses.

Mint

Mint worked in a similar way to Planto, but Intuit shut Mint down on March 23, 2024, and prompted its users to move to Credit Karma. While it ran, Mint let users build a personal budget, list their bills and monthly investments, and manage due bills and credit cards.

That made it easier to build a realistic financial plan, and Mint suggested ways to save. Former Mint users can find free credit monitoring plus net-worth and spending tracking in Credit Karma, which Intuit also owns.

MoneyLion

MoneyLion (sometimes mistyped as MobileLion) is a fintech app for online banking, cash advances and financial guidance, and it also shows different loan options. Since April 17, 2025, MoneyLion has been owned by Gen Digital, which completed an acquisition announced in December 2024.

As of October 2026, MoneyLion lists a Spend checking account (formerly RoarMoney) with no minimum balance fees, and Instacash advances of up to $500 (up to $1,000 for qualifying direct-deposit customers) with no interest and no mandatory fees; optional Turbo fees apply for delivery within minutes. Loan options shown in the app, including low-APR offers, depend on the borrower, so rates should be compared before applying.

Users can also keep a record of their savings. MoneyLion Spend has no ATM fees at 55,000+ Allpoint locations; the account is provided by Pathward, National Association, Member FDIC, because MoneyLion itself is not a bank.

These five apps show how fintech has changed: as of October 2026, Planto, Acorns and MoneyLion are still available, while Prism and Mint have been discontinued. Apps like these can save time on everyday money tasks, but fees and account protections should be checked before signing up.

Which of These Fintech Apps Still Work?

Two of the five apps in the original list no longer exist. The table summarizes the status of each app as of October 2026.

What Is a Fintech App?

A fintech app is a mobile application that delivers a financial service, such as budgeting, bill payment, investing, banking or lending, through software instead of a bank branch. Many fintech apps are not banks themselves. MoneyLion, for example, states that its Spend account is provided by Pathward, National Association, Member FDIC, which acts as the FDIC-insured partner bank.

Main types of fintech apps

• Budgeting and money tracking: apps such as Planto connect to bank accounts and categorize spending. A plan like the one in our guide to creating a budget for every income is easier to follow with this kind of tracking.
• Micro-investing and robo-advice: Acorns invests small, automatic amounts in diversified ETF portfolios and offers an IRA called Acorns Later.
• Digital banking and cash advances: MoneyLion combines a checking account with Instacash advances.
• Credit monitoring: Credit Karma, owned by Intuit, offers free credit score monitoring and net-worth tracking. Our explainer on what a credit score is covers how those scores work.

How to Choose a Fintech App Safely

Choosing a fintech app comes down to cost, protection and whether the service is likely to keep running. The shutdowns of Prism and Mint show that a popular app can close, so users should keep their own records.

1. Check who holds the money. If the app is not a bank, find the partner bank named in its disclosures and confirm whether deposits are FDIC-insured through that bank.
2. Read the full fee list. Subscriptions and optional fees add up. Acorns’ website refers to monthly subscription fees starting at $4 (as of October 2026), and MoneyLion charges optional Turbo fees for instant Instacash delivery.
3. Look at the ATM network. Acorns and MoneyLion both advertise more than 55,000 fee-free ATMs; withdrawals outside a network can cost extra.
4. Export your data regularly. When Prism closed, its app stopped being accessible, so downloading statements and transaction histories protects against sudden shutdowns.
5. Treat investment features as investments. ETF portfolios can lose value; read our personal finance tips before moving savings into an investing app.

Alternatives to Mint and Prism

Intuit directed former Mint users to Credit Karma, which offers free credit monitoring and lets users connect accounts to analyze spending and net worth. Former Prism users who want bill reminders can use the budgeting and due-date reminder features in apps such as Planto, or the bill tools built into their own bank’s app. For a broader view of where digital banking is heading, see digital innovations in savings accounts, and for a practical starting point, building a budget that actually works.

Written byHenry Gray

Henry Gray is a content writer with over 10 years of experience creating helpful articles on finance, health, legal, insurance, and business topics. He focuses on writing clear, accurate, and easy-to-understand content that helps readers make informed decisions.

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