Change Savings by Appreciate: Easy Spare Change Investing App

See what people are saying about Change Savings

I was able to save 2000 rupees last month by using change savings feature on the Appreciate app. And it also invested that 2000 rupee in the US market. Watching app helping grow my money.

Sahil Samarth

Appreciate app is user-friendly and intuitive. Investing in US stocks has never been this simple. I'm hooked!

Vinay Garg

I was able to save 2000 rupees last month by using change savings feature on the Appreciate app. And it also invested that 2000 rupee in the US market. Watching app helping grow my money.

Sahil Samarth

Appreciate app is user-friendly and intuitive. Investing in US stocks has never been this simple. I'm hooked!

Vinay Garg

Start Change Savings, even with just Re 1!

We round up your transaction and invest your change. For example, say you spend Rs. 95 on groceries. We’ll round up to Rs. 100 and invest Rs. 5 for you.

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Change Savings makes you save more regularly with small investments that don’t impact you or your lifestyle.

Save Every Time You Spend

Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.

Save Every Time You Spend

Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.

Save Every Time You Spend

Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.

Save Every Time You Spend

Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.

Save Every Time You Spend

Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.

Small investments. Large returns.

Add up to Rs.1,000 per month towards your investment portfolio just by rounding up your transactions. That Rs.1,000 could become lakhs of rupees over time!

Daily micro-savings and tools to maximize disciplined savings, every day!!
Access to US market that offers higher returns
AI enabled portfolio recommendations - hassle free investment decision making for you
Automated rebalancing and portfolio management - you can rest easy

Easy, one click,
low cost - for everything

Over the past decade, the US S&P Fortune 500 companies have outperformed the BSE/NSE by over 20%. We ensure you can access this market easily, with no friction and at a low cost.

Zero Commission, no minimum investment, no subscription fees

One click investing that’s seamless & hassle free

Complete transparency with no hidden fees

Your money’s safety is our top priority

Safe, Secure, Trustworthy - for everytime

AI-enabled fraud alerts

24/7 monitoring of all activity
Transaction flow tracking from the first step to the last
AI-enabled auto-flagging of suspicious activity

Direct integration with Yes Bank

A trusted name with top-notch security standards
Fully compliant with FEMA, and RBI regulations

State-of-the-art security features

Gold standard KYC to authenticate your account
Industry leading AES 256 encryption
Stringent security measures

US-govt-backed portfolio insurance

Safeguard your portfolio, held in the US by Appreciate's clearing partner DriveWealth, in case of bankruptcy or other systemic failures
Portfolio insurance worth $500,000 included
Backed by the US-govt agency Securities Investor Protection Corporation

Note: Insurance not available to protect against trading losses.

We work with registered advisors in India & US

We work with reputed brokers and investment advisors based out of India and the US so you can invest in a safe, secure and compliant manner.

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Why you should choose Appreciate

Global Investing, Higher Returns - for Everyone

Investing Solutions - for Every Need

Easy, One Click, Low Cost - for Everything

Learn How and When to Invest - Everyday

Safe, Secure, Trustworthy - Everytime

Appreciate is an online trading and investment platform. With Appreciate you can easily invest in US equities, fixed deposits, ETFs, bonds, digital gold, savings accounts and many more lucrative investment products at a very low cost to diversify your portfolio and enjoy higher returns. Appreciate will soon be offering a range of exciting new products, including mutual funds, MSME loans, Indian equities, personal loans, exotic assets, insurance, and IPOs.

Appreciate online trading app offers many differentiated financial products designed to help investors grow their wealth significantly. With products like:

Goals: A goal-oriented investment product designed to help you achieve your financial goals.
Fraction: A micro-investment product that enables you to start investing in the US markets with as little as Rs. 1.
Pro: A trading product that helps you to trade directly in global stocks and ETFs with all the professional tools you need, supported by advanced analytics, charts, and research.
Change Savings: A spare change investment product that helps you to save and invest spare change from everyday transactions, allowing you to passively build your wealth.

Invest in US Stocks: Buy and sell shares of companies listed on the US stock exchange.
Start a SIP: Develop a consistent investing habit by initiating your monthly systematic investment plan.
Invest in ETFs & Bonds: Own shares of the top companies in the U.S. Invest in fixed-income securities and diversify your investment portfolio, reducing potential risks associated with the stock market.
Save When You Spend: Invest your spare change in leading global companies and build wealth.
Invest in FDs: Put your money into traditional assets like fixed deposits for consistent monthly returns.

Invest in Mutual Funds. Diversify your portfolio by investing in Indian mutual funds.
Get MSME Loans. Secure loans to build and grow your business.
Invest in Indian Equities. Trade shares of Indian companies listed on the stock exchange.
Get Personal Loans. Access personal loans whenever needed via the Appreciate app.
Invest in Exotic Assets. Diversify and significantly grow your wealth by investing in exotic assets like wine and art.
Buy Insurance and safeguard your family with a life insurance policy.
Invest in IPOs. Participate in upcoming IPOs to become a part of their growth story.

At Appreciate, your security is our utmost priority. We've incorporated state-of-the-art security measures to ensure your safety, such as end-to-end data encryption, multi-factor authentication, and strict protocols to prevent unauthorized access to your information and funds. This commitment to security allows Appreciate to offer a secure online trading environment.

The Appreciate app for share market offers the lowest transaction fees, zero subscription, zero remittance and zero withdrawal charges, assisting you in saving more as you invest in your future.
Start investing in AI-recommended stocks and enjoy higher returns!

Appreciate makes global investing easy. Our AI tool helps you achieve your financial goals effortlessly. We work with regulated partners to offer the products and services you need.

We are SEBI Registered Investment Advisor, Authorized Person and IFSC registered Broker.

Our app’s UI / UX is highly user-centric.
We have features that are geared toward users of all types. Whether you are financially savvy or a novice, the Appreciate online trading app can help you achieve all your financial goals
Our team is best-in-class. Globally experienced founding team with an advisory team comprising of leaders from the Indian banking and financial services industry
We use AI / ML extensively for your benefit. We’ve deeply embedded advanced technologies to make the experience better and safer
We are mission-driven. We’re driven by a mission to improve the financial well-being of millions of individuals in emerging markets, starting with India.

No, there is no minimum investment amount required to trade on the Appreciate app. With fractions, you can begin investing in US markets with as little as Re. 1.

Because it is more convenient and cost-effective. With the Appreciate app you can invest in the US markets with just one click at the lowest costs.

Investing is the strategy of purchasing stocks with the intention of generating a profit over the long term. Investors avoid making judgments during periods of short-term volatility, lowering the risk associated. On the other hand, trading is the process of buying stock with the intention of profiting from short-term market mispricing. There is more risk involved since traders attempt to profit from the very unexpected short-term market volatility.

Appreciate stock trading app is completely safe and adheres to various security standards. We take data security and privacy very seriously. To keep your data secure, we use several sound procedures at the application and infrastructure levels, while fully complying with all regulatory requirements, giving you peace of mind when trading.Your investments are SIPC-insured for up to $500,000 to safeguard your portfolio, in case of bankruptcy or any other systematic failure.

Disclaimer:

Investment in securities market are subject to market risks, read all the related documents carefully before investing.

Appreciate Broking IFSC Private Limited is a registered broker dealer with IFSCA Registration No.: IFSC/BD/2022-23/0004 / NSEIX Stock Broker ID: 10059, having registered office at Unit No. 1632, Signature Building, 16th Floor, Block No. 13B, Zone 1, GIFT SEZ, Gandhinagar - 382355

Change Savings

Spend Daily? Save Daily!

See what people are saying about Change Savings

Start Change Savings, even with just Re 1!

Easy To Set Up and Manage

Small Investments Made Regularly

Save Every Time You Spend

Easy To Set Up and Manage

Small Investments Made Regularly

Save Every Time You Spend

Easy To Set Up and Manage

Small Investments Made Regularly

Save Every Time You Spend

Easy To Set Up and Manage

Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.

Small Investments Made Regularly

Save Every Time You Spend

Easy To Set Up and Manage

Small Investments Made Regularly

Save Every Time You Spend

Small investments. Large returns.

Easy, one click, low cost - for everything

Your money’s safety is our top priority

AI-enabled fraud alerts

Direct integration with Yes Bank

State-of-the-art security features

US-govt-backed portfolio insurance

We work with registered advisors in India & US

Frequently asked questions

Why you should choose Appreciate

Open Your Free US Trading Account

Easy, one click,
low cost - for everything