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Just don’t do it. They make it SUPER simple to add money from your bank to their app, but make you jump through hoops to withdraw even your original amount. It’s been nearly a year of me trying to get my money back out & it’s been such a pain. Their “customer service” always blames their “banking partner” and always seems perplexed as to why it’s not working and they say they’ll get back to you once they get back from said banking partner, but it never happens. I q’s trying to withdraw $100. Such a small amount for them. And I kept getting a message saying my daily withdrawal limit was $10k. Okay, cool, I’m well under that so let me withdraw. But it won’t let you. It makes no sense. None of my info changed. I’m withdrawing to the same account I added the money from. So why does it matter what their “banking partner” says?!? I’m so over them. If you look up reviews online (BBB too), you’ll realize they’re just full of excuses and zero answers. They just want you to deposit money & keep it stuck there hoping you’ll forget about it. And in that year wanna know what I “earned”? $1.30! Ha! Just don’t do it. Soooo not worth it.

This app is truly a scam. I’ve made the stupid mistake of leaving my former bank and fully switching over to Yotta. (BIG mistake!) Once my direct deposit came of from my new job, it took me over a week to access my money, after they claim you will receive your paycheck up to two days earlier. I’ve tried the support feature and did not hear back from anyone until 6 days later. Another issue I had was receiving my sign on bonus at work through direct deposit. Yotta must have assumed it was fraud because they locked my account with no explanation. Once I reached out to support again it took me 3 days to get a response from anyone, then “Nick” responded with “we’ll look into this for you” 2 days of silence then I receive a message saying “..upon investigation, your account will remain locked and you will be unable to use Yotta services…” Still no explanation, but it’s hard to pay bills when the money I’ve worked for is being held by a scam company with no reason as to why. Someone needs to investigate this company and arrest the con artists responsible for this company. Also, the lottery is rigged. They don’t explain how the numbers are picked. They wait to see who will come close to winning and make it virtually impossible for anyone to take the grand prize. Yotta needs to be investigated immediately!

Edit: The developer responded by saying that you’ll earn a similar APY compared to an Ally savings account over $25,000. The similar APY will average out to about 0.45% compared to Ally’s 0.60%. The lottery part is “fixed.” Read through the terms and conditions and you’ll see exactly why. The actually obtainable prices, like the $5,000 prize, will be split between all of the other winners who also win the same prize. So you’ll probably only get a few hundred if you’re extremely lucky. Apparently my math is off though per the dev. 🙄 ——————- I can no longer recommend this app. The ticket rate was previously 1 ticket for every $25 you had in the savings account. As of December 14th, 2020, they changed how many tickets you get per week. The ticket rate is now: x1 ticket for every $25 in the account up to $25,000. For balances above $25,000, you will only get x1 ticket for every $150. So if you have $25,000 invested, you will get 1,000 weekly tickets. If you have $50,000 invested, instead of getting 2,000 tickets, you will only get about 1,167 tickets. If you normally had an APY of 1%, be aware that the APY of your balance over $25,000 will now be in the 0.2% range. As of writing this, you might as well go back to using a more mainstream high yield savings account like Ally which has a 0.6% APY on your entire balance.