Goin is an AI financial platform for saving, investing in cryptocurrencies and finding shopping offers. It is available on Android and iOS, with a Chrome extension for browser offers. Users can connect a bank or card through PSD2 and save through expense round-ups, scheduled contributions, habit-based rules or a percentage of income. Goals and wallets separate money and track progress. Users can also pay into friends’ goals or request money that arrives instantly. Goin offers investments in more than 50 cryptocurrencies, including Bitcoin, Ethereum, Cardano, Polygon and Avalanche. Its saving accelerator advertises 5% APY through investment in a DeFi protocol. Cashback is available for spending with participating brands, while the app offers hundreds of discounted virtual gift cards. The Chrome extension adds cashback, gift cards and coupons across more than 1,000 brands. 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. Inactive accounts may be charged monthly fees after three, nine and twelve months. Goin Pro costs 1.33€/month.
Who it is for
Goin may suit people looking to combine automated saving, cryptocurrency investment and shopping rewards in one platform. Its Chrome extension may also suit users seeking offers while browsing.
What is good
- Supports round-ups, scheduled contributions and custom saving rules.
- Offers investments in more than 50 cryptocurrencies.
- Chrome extension offers deals across more than 1,000 brands.
- Free plan includes automatic saving, investment options and rewards.
What to know first
- Inactive accounts may incur monthly fees after three months.
- Goin Pro costs 1.33€/month.
- Saving accelerator’s advertised 5% APY involves DeFi investment.
Verdict
Goin brings savings tools, cryptocurrency options and shopping rewards together across its apps and browser extension. Review the inactive-account fees and the DeFi basis of the advertised accelerator rate before choosing its features.
Goin plans and pricing
All plansCompared on automated savings apps
- Free plan
- Yes
- Card roundups
- Yes
- Scheduled transfers
- Yes
- Custom savings rules
- Yes
- Interest on savings
- Yes
- Withdrawal method
- manual
