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Acorns vs Argent

Acorns logo

Acorns

Software

Invest your spare change

From
On request
Rated
-
Full reviewWebsite
Argent logo

Argent

Software

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Argent has a free tier, so it costs nothing to try first.
  • Each has a real cost: Acorns a flat monthly subscription regardless of balance, so $3 a month on Bronze is a heavy percentage on a small account; Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • They diverge on capability: Acorns covers Round-up investing, Argent covers Smart Contract Wallet.

Where they differ

Only the attributes on which Acorns and Argent actually diverge.

Attributes where Acorns and Argent differ
AttributeAcornsArgent
Starting priceOn requestFree
Pricing modelsubscriptionfree
Free tierNoYes
PlatformsWeb, IOS, AndroidIos, Android
Founded20122018

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Acorns

  • Round-up investing
  • Automated investing
  • Portfolio management
  • Recurring investments
  • Bank accounts
  • Credit cards
  • Debit cards
  • Web support

Only in Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

Both cover

  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Acorns

  • Automated investing of spare change from everyday purchasesnot Argent
  • Retirement saving through Acorns Later IRA accountsnot Argent
  • Checking and high-yield savings alongside investingnot Argent
  • Custodial investing and debit cards for children through Acorns Earlynot Argent
  • Earning cashback that is invested rather than bankednot Argent

Argent

  • Self-custodial wallet on mobilenot Acorns
  • Holding digital dollars under your own controlnot Acorns
  • Spending through a virtual card with Apple Pay or Google Paynot Acorns
  • Connecting to dapps through WalletConnectnot Acorns

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Acorns

  • A flat monthly subscription regardless of balance, so $3 a month on Bronze is a heavy percentage on a small account
  • The emergency savings account and the 1 percent IRA match need Silver at $6 a month
  • Custom portfolios, Acorns Early for children and Money Manager are Gold tier only at $12 a month
  • There is no free tier

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

Pricing, plan by plan

Acorns

On request
  • Lite$4.99/month
    • Round-up investing
    • Automated portfolio
  • Plus$9.99/month
    • All Lite features
    • Checking account
    • Dollar-based investing
  • Premier$19.99/month
    • All Plus features
    • Premium investing

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Which should you pick?

Choose Acorns if

  • You need round-up investing.
  • You work on Web, IOS, Android.
  • You also want automated investing.
Acorns review

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Questions people ask

Is Acorns or Argent better?
Neither clearly leads. Acorns starts at On request and Argent at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Acorns or Argent?
Argent has a free tier; the other does not. Paid plans start at On request for Acorns and Free for Argent.
Does Acorns or Argent run on more platforms?
Acorns runs on Web, IOS, Android. Argent runs on Ios, Android.
Can I use Argent for free?
Yes. Argent has a free tier, so you can try it without paying. Acorns starts at On request.
What is Acorns best used for?
Acorns is most often used for automated investing of spare change from everyday purchases, retirement saving through acorns later ira accounts, checking and high-yield savings alongside investing, custodial investing and debit cards for children through acorns early. Of those, automated investing of spare change from everyday purchases and retirement saving through acorns later ira accounts are not what Argent is typically brought in for.
What can Acorns do that Argent cannot?
Acorns covers Round-up investing, Automated investing, Portfolio management, Recurring investments. Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. Both handle Android support.
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