Frequent Questions About Joy

Can I use Joy if I live outside of the U.S.?

While only those currently in the United States can download the app, you can find our content, complete with brilliant money saving strategies, tons of juicy spending diaries, and plenty of lolz at or on Instagram @joy.

Is Joy free?

Yes! Not only does the app cost nothing to use, it also offers a free savings account. Get customized financial coaching; daily stories, tips, and advice; and a unique savings strategy where our algorithm suggests the exact amount of money you can comfortably stash away each day into your FDIC insured Joy account.

What is Joy Savings?

Joy savings is a free online-only account that you can use as a tool to help you reach your savings goals. Here’s how it works: each day Joy identifies money you can comfortably save — based on your income and spending habits — and suggests a specific amount to put away. You can always decide whether or not to save the money, but when you do approve the save, the money gets socked away in an FDIC-insured account that is separate from your everyday bank account. The cash is yours and you can always withdraw it when you need it, but by regularly putting away money you won’t miss, you’re creating a savings habit and strategy, where a couple daily dollars can add up to a significant amount over time. You can always choose to put away more funds in addition to the ones the Joy algorithm finds for you.

Is Joy Savings interest bearing?

While Joy Savings isn’t currently interest bearing, stay tuned for future plans to incentivize you to save even more money with Joy.

Will Joy overdraft my account?

The unique algorithm Joy uses to find money you can save without knowing means that Joy won’t approve a transfer if there isn’t enough money in your account. In the rare case that one does happen, contact We’ll do our best to make it right.

How do I deactivate and close my account?

You can deactivate and close your account at any time. The process takes seconds and can happen whenever you wish. To initiate the process, reach out to and they’ll walk you through the steps.

What do I need to sign up with Joy?

All you need to sign up for Joy is a US-based phone number (starts with 1 before the area code) and a US bank account. There are no hidden fees, and you can access our unique coaching services, content, and spending strategies for nada.

How do I withdraw a deposit?

Your Joy bank account is linked to your primary checking account, so it’s easy to transfer money back and forth. To withdraw a deposit, simply initiate a transfer, and the cash will appear back in your linked checking account.

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