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Why SmartyPig?

Erica, Iowa City
“I opened a SmartyPig account because I have the option of making my goals public. So long presents I don’t want. I’m sending a link to my parents, grandparents and friends in hopes that by the next time I’m flying off to paradise I’ll have my trip paid for – with a little help from my friends.”
— Erica, Iowa City

  • 1. Because It’s Time To Take Responsibility

    Everyone knows they should eat right and exercise. So why doesn’t everyone do it? Answer: Instant gratification. The cheeseburger looks better than the salad. Extra winks in the morning or watching TV is easier than going for a jog. Same goes for your financial habits: It’s easier to charge the things you want on a high-interest credit card than to save up. (At least until the bills come, with the average family carrying more than $9,000 in debt.) Since May of 1985, when the average U.S. consumer set aside more than 11% of his or her disposable income, saving money has been taking a nosedive, leading up to 2005 and 2006 when we actually spent more than we saved. We’re that out of control! Things simply have to change.

  • 2. Because You’ll Never Miss It Once You Get Started

    You know what we tend to hear? “Once I finally started saving, I didn’t really miss the money.” In fact, because our process automatically deducts the amount you determine from your existing checking or savings account, the only time you’ll see those allotted dollars is when they are working for you, fattening up your SmartyPig savings account. See, saving truly can be easy. You just have to take that first step. Like dieting and exercise, it takes determination. But it’s determination based on optimism: “I can do this!” Not to mention, it’s all worth it when you finally start to see the results.

  • 3. Because We Offer More Bang For Your Buck

    The SmartyPig plan offers results. Period. Sure some of the big banks give you a competitive interest rate with their savings accounts, but so do we. And when you know what it is you’re saving for, you just can’t beat the SmartyPig system. Why? Because SmartyPig’s one-of-kind technology gives you the option of putting your money to work as never before, partnering you up with top retailers who are ready to sell you what you want when you have reached your savings goal. A diamond engagement ring? With SmartyPig, you get your savings plus interest PLUS an extra incentive boost if you choose a gift card from Zales. Not to mention, your SmartyPig account can be public, so that your family and friends can help you reach your goal faster than you ever thought possible. With SmartyPig, you don’t have to search for the best deal. It’s right here, waiting for you.

  • 4. Because It’s Easier

    Tired of being on hold? Tired of getting “error” alerts online. Tired of dead ends and gibberish? Tired of being a needle in a big financial institution’s haystack? Banks are notorious for creating things that are not very intuitive. But at SmartyPig, saving money is as easy as it was when you were a kid. Just a few quick steps to get started and you are ready to start filling your piggybank. From your kid’s allowance, to home improvement for the entire family, to a dream vacation, SmartyPig takes it back to the basics: You save money. We reward you for diligently doing so. Simple. Smart. Savings.®

  • 5.Because There’s Nothing Like It

    Each savings account you create allows you to manage a collection of savings goals, owners and funding sources. For example, you may choose to create a savings account named “Family” and invite your spouse or partner to be a co-owner of the account who can manage goals specific to just the two of you and/or your kids. You could add another savings account at the same time (or at a later time) called “Son” or “Daughter” and invite one of your children to be a co-owner of that account, giving them view-only access so they can learn about the saving process. While yet another could be simply named “My Goals” for the things you want to personally start saving responsibly for. Add as many accounts as you want with as many goals as you want. We also send you your savings plus interest on a debit card or a gift card from a top retailer — no transfers, no checks, no phone calls, no hassles. Read How it Works or Watch our demo now.


  • 6. Because It’s Educational

    The earlier you can teach your child about money, and the responsibility that accompanies it, the better prepared they will be in the future. And with SmartyPig, you can do it together, giving your kids the ability to participate in the hippest online financial services company ever, as well as the opportunity to create solid habits they can hold on to forever. Cool and a parent? Only at SmartyPig.

  • 7.Because It Feels Good

    Like an organized garage or a Friday evening with family and friends after a hard week of work, there’s nothing quite like the feeling of accomplishment. You put in the effort. You’re rewarded for doing so. That’s the simple philosophy behind SmartyPig. We want to help you set goals, encourage you to work hard to realize them and then reward you for doing so. SmartyPig, where Saving Will Never be the Same.®