Commerce · alternatives · 2026

24 alternatives to Rand

Build lasting wealth, earn 5% APY

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Rand launched in 2023; newer entries below may have overtaken it.

1. 1
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

2. 2
   Robinhood Cash Management▲125

   Invest, spend, and earn 2.05% APY

   2019 · robinhood.com · its alternatives →

3. 3
   Tellus Boost▲81

   Earn 3% on your cash & boost your rate daily.

   2020 · tellusapp.com · its alternatives →

4. 4
   Yield-as-a-Service▲152

   Earn up to 5.5% APY on your excess cash

   2022 · sivo.com · its alternatives →

5. 5
   Brew Money▲640

   Earn ~6% APY on crypto with self-custody, withdraw anytime

   2022 · apps.apple.com · its alternatives →

6. 6
   Monie▲78

   5% APY high yield account for your dollars

   2021 · its alternatives →

7. 7E9
   Earn 9.62% on US Treasury I Bonds on Yotta▲83

   Hey all My name is Adam, and I’m a co-founder at Yotta (YC S20), an app that uses behavioral psychology to help people save money by making saving exciting. We built a feature on Yotta where you can earn 9.62% APY via US Treasury I Bonds. (https://www.withyotta.com/i-bonds) This is an absurd yield for a security that is backed by the full faith and credit of the United States Government - the strongest guarantee you can get. For comparison, most high-yield savings accounts with FDIC coverage are paying ~2%. The backstory: I Bonds were established by the US Treasury in 1998 to…

   2022 · its alternatives →

8. 8
   CRED Mint▲168

   Earn up-to 9% interest, while investing in CRED members

   2021 · cred.club · its alternatives →

9. 9
   Dream▲99

   The savings lottery where you never lose

   2018 · dreamlottery.co · its alternatives →

10. 10
    DimeFi▲76

    Earn 12% APY powered by DeFi, Interest paid out daily

    2021 · dimefi.com · its alternatives →

11. 11
    Finnt▲185

    Next-gen banking app for students

    2023 · apps.apple.com · its alternatives →

12. 12
    ibble Financial▲68

    Curated news paired with trivia and investing competitions

    2019 · getibble.com · its alternatives →

13. 13
    Vinquo▲5

    Earn 5% APY on your cash, insured - 10x your savings

    2021 · vinquo.com · its alternatives →

14. 14
    StepsInvesting▲183

    Invest with every step you take

    2024 · its alternatives →

15. 15
    X Money▲125

    Your money, on the world's most powerful network.

    Aug 2026 · money.x.com · its alternatives →

16. 16
    Lofty▲221

    Real Estate Investing With Instant Liquidity – Lend & Earn

    2024 · lofty.ai · its alternatives →

17. 17
    Mayfair▲108

    Your cash shouldn’t be earning peanuts.

    2023 · its alternatives →

18. 18
    Business Earn Account▲4

    Extend your runway with up to 7.55% APY

    2024 · rand.app · its alternatives →

19. 19
    Thresholds▲191

    Earn up to 6% on your USD, paid daily in Bitcoin

    2021 · onesafe.io · its alternatives →

20. 20
    Crescent▲96

    Earn 4% APY with up to $75m in FDIC insurance

    2023 · crescent.app · its alternatives →

21. 21
    Peak Money▲93

    Reach your saving goals faster

    2019 · its alternatives →

22. 22
    Yotta Savings▲154

    Win up to $10 million by saving in an FDIC insured account

    2020 · withyotta.com · its alternatives →

23. 23
    Finny▲96

    An easy, fun, and free way to learn personal finance.

    2020 · askfinny.com · its alternatives →

24. 24
    CardPointers▲112

    Easily earn more cash back & points from your credit cards

    2022 · cardpointers.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →