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Used NerdWallet again for…

Used NerdWallet again for recommendation(s). Horribly disappointed. Brings into QUESTION anything NerdWallet might suggest or recommend. History: Just looked up NerdWallet recommendations for personal Checking accounts. #1 recommended (by NerdWallet) is SoFi Bank, 855-456-7634, 2750 E Cottonwood Parkway, Utah. My 1st experience and result(s) with SoFi Bank is "Zero" (would be a minus if that were a scoring level offered). Why? Here is the sequence of events (as of 5pm EST, today). 1) called 855-456-7634. Listened to about 4 or 5 options to select from (all selections were related to mortgage loans, status, ++). Finally, 'if none of these meet your requirements (something like that), press "0". I pressed "0" and got a message that someone would be with me. Not a long wait, a male answered the phone. I began explaining the reason for my call (opening a check account etc.). After a short period of time (less than a minute) that male said to me, 'I will transfer you to the Banking area'. Now, still not getting to anyone about setting up a new account. Again, a short wait. Then and male name Dominion (something like that) (sp?) came on the line (rather heavy Spanish accent). I asked him (Him), 'what is the phone number I can call to avoid having to go through the meaningless process I just had to experience? He told me that the only phone number was the one that I had used (to eventually get to him)! I asked Dominion (?) if he had ever called 855-456-7634? No! I said, 'then you have no idea of what I went through to get to you.' Which still isn't getting me anywhere... I told him to put me on hold, and then he to call 855-456-7634. He said, I can not do that.' I hung up and started writing this. I waisted a good amount of my time trying to deal with a banking institution that is total USELSS for a checking account. Much like my experience with/aka Bank of America. Which is my fault for using....Puts into question my judgement as well. I didn't think a bank could be worse than BoA. Just found one!!!! Hence, out of respect for Trustpilot I am taking the time to alert you of the apparent gross incompetence (or indifference) of NerdWallet for recommending SoFi Bank. You'd think they (NerdWallet) would have taken the time to 'test-out' SoFi bank. Think the writer got the 'big sales pitch' when writing about how good SoFi bank is (maybe was?).

Date of experience : February 08, 2024

Nerdwallet blocked me

Nerdwallet blocked me, and I don't care, reading the trustpilot Reviews 😁😂 Actually I guess, this might be a Data Protection Issue, so IT isn't their fault, neither mine. I guess , I know too little about that. Nevertheless, we must admit, there are things we do not know CONCERNING EVERY DETAIL, TO BE FAIR

Date of experience : October 26, 2023

Dangerous Website for Giving Personal Data

Beware - The minute you fall for their process of researching loans for small business, your phone begins exploding with calls and text messages, automated ones, from sketchy "funders" and loan businesses. This website is dangerous and should be avoided at all costs.

Date of experience : November 06, 2023

Could not link three of my accounts

Could not link three of my accounts: my mortgage lender (one of the nation's largest) and two investment accounts, because Plaid doesn't support them. I don't have time to play patty-cake with a beta product, sorry.

Date of experience : November 12, 2023

Nerdwallet advertised that

Nerdwallet advertised that, if I entered my information, they would get car insurance quotes for me. I provided my information. I even signed up. Then they kept diverting me to the same sign up screen multiple times, at least 3 times, with NO results. Trouble-shooting did not help. No way to contact them. VERY Disappointed! Would NOT recommend. Now worried about them selling my info.

Date of experience : July 13, 2023

Reply from NerdWallet

Thank you for sharing your experience, Diana. You can get in touch with our support team at [email protected]. Please send us an email and we'll be happy to investigate the trouble you've described with our auto insurance tool.

NerdWallet Spam Mail

I was receiving non-stop NerdWallet emails and I never subscribed or visited the website. I u subscribed more than 10 times and the emails continued. I contacted them and asked them to stop the spam mail because it's I don't want it, I never asked for it, it's harassment and illegal. They continue to send their emails. With no other recourse I threatened them with legal action, the email stopped but afterwards my inbox has been flooded with other spam mail daily. So the result of me asking them to stop sending me emails because I never subscribed to them was them getting angry and filling my inbox with spam mail. NerdWallet needs to be investigated and find or shut down. You guys should be ashamed of yourselves.

Date of experience : May 01, 2023

Was checking my credit score. And to improve my score Nerd Wallet said opening a new credit card would help. So scanned through all the credit cards they had listed and found one that indicated I had excellent approval odds. So I filled out the application. And it was not approved! So a hard hit on my credit score. Thanks but No thanks Nerd Wallet for your advice, closing my account.

Date of experience : August 27, 2023

They do their own reviews, Garbage!

They do their own reviews. Not even real reviews, their team does it based on payouts. Have you seen a bank or other financial institution on here that you know for a fact couldn't be 5 stars, but they still are? I see companies with complaints everywhere else, but you come to Nerd Wallet and they are 5 stars. Something has to be done about buying reviews or in this case whole review sites. It is shady and the US Government needs to step in sadly. I can't believe I am saying that, but there are more pay companies that guarantee you high rankings, than legit review companies with honest customer reviews.

Date of experience : April 10, 2023

NerdWallet’s business partners and advertisers do not influence our product reviews or other editorial decisions. Product reviews are objective, factual and based on the actual features of the products. You can find more information about our editorial independence policies here: https://www.nerdwallet.com/l/editorial-guidelines

Tricks you in to creating wallets

If you access associated site or their site, you are tricked in to creating a wallet with a standard Google access popup. I'm a fairly computer savvy senior and they got me. I'm not letting this go. Don't trust an app that uses underhanded tactics to pump up its userbase numbers.

Date of experience : August 13, 2022

Information purposes it's good but ethically so wrong

Information purposes it's good But everyone they recommend or suggest is hard to believe they are being ethical in their reviews . Etrade is latest b.s ....give it 4.5 stars I sign up jump through hoops and 10 days later I'm canceling. Good concept but if you only review and offer services of companies who pay you and those companies suck not only is it bad for them but nerd wallet sucks just as bad suggesting these companies or giving them 4.5 stars when everyone else gives them 3 stars

Date of experience : November 01, 2021

Nerdwallet claims that student loans…

Nerdwallet claims that student loans forgiveness companies... Some of which legit do all of the paperwork to get your loans into the program are scams and charge fees. So is my tax preparation company a scam as well? Not only does Nerdwallet do this they also then offer you options to companies that will buy out your student loan debt and get you a lower interest rate so that you can at that point never enroll even yourself into the gov't forgiveness program because now it's considered private debt. Shammm Nerdwallet.

Date of experience : December 10, 2018

Not A Good Idea

Shady as can be. Went to nerd wallet late one night to find a more competitive auto rate. Put in my information and started getting contacted by the shadiest of companies. That's not the bad part. By the next morning, had almost a dozen new hard credit checks. My credit score dropped by almost 80 points. Literally, overnight. Checked my credit again,7 months later, and it's back up, but it still shows that there's 13 credit checks in my recent history. When you get multiple auto or home loans within a 14-day period, it's supposed to correct itself and count as a single credit check. I don't know what nerd wallet did. But, it definitely didn't go that way. When putting in my info, thought that they'd run a credit check themselves, then offer that guarantee to their partners, so that you'd only have a single credit check on your history. Not the case at all. They literally just take all of your info and forward it to any rando company to run additional credit checks over and over. With your info all over like that, you have to worry about more potential for security breaches. Super unprofessional. Not saying you shouldn't use Nerd Wallet to read up or research things. But, go to a more credible website to do business. Best of luck!

Date of experience : April 28, 2023

HOW I GOT MY CREDIT UP TO 800s FAST

They are amazing...Well let me share this real quick; I was finacially down few months ago due to my bad credit, my score was below 600 and I had a lot of bad items on my credit. But I thank God for his grace after I contacted Peter Lewis on globaltechnologies46 @ gmail. com. Global Technologies is a genius, he helped me remove all negative items only credit, cleared all debts and also take up my score to 800s. I'm so grateful to God and them because I was able to get myself back financially and most especially I bought my first house. You can contact Peter if you need his services. Tell him I referred you.

Date of experience : July 31, 2019

Bait and Switch mortgage advertising

NerdWallet engages in Bait and Switch mortgage advertising. Even the lender was surprised. In the morning, I screenshotted a NerdWallet advertisement for a 5.5% rate with $1176 fees for a 15 year mortgage and various other parameters. I even downgraded my credit rating by 100 to be conservative. I then spent an hour filling out an online application for the lender they'd quoted, only to find out the best they could do was 6.25% (and a higher total fee) for the exact same parameters as before. I went back and rechecked the NerdWallet website, and they were still advertising the same 5.5% rate for that lender. I took my screenshot, with parameter selections showing, and sent it to the lender. The lender said he'd send it to his technical team, but he didn't know why the quote was so different.

Date of experience : June 09, 2023

Thank you for taking the time to share your experience about this. The offer you saw on NerdWallet may only have been available by following a link from the NerdWallet page, as opposed to visiting the lender's website directly. If you did experience this discrepancy after following a link from NerdWallet, please let our support team know and we'll be happy to investigate. You can connect with us at [email protected].

Bait and Switch, sold my info

Nerdwallet advertised that, if I entered my information, they would get car insurance quotes for me. I provided my information. Then they sent my information to multiple car insurance agencies who bombarded me with emails and texts, all wanting the same info I just provided to Nerdwallet. Total bait and switch.

Date of experience : July 12, 2023

This company is a complete Scam

This company is a complete Scam. I followed Nerd Wallets suggestion and applied for a debt consolitation loan based on my credit score of 723. Their website stated that it would not impact my credit score. I filled out all the information and submitted it and immediately I started getting alerts on my phone about a new hard credit pull from a bank called Truist. I am starting to think that all of these credit companies such as Nerd Wallet, Credit Karma, and Credit Sesame are complete scams and wish I would have never followed their recomendation. My credit score just dropped 14 points because of this. Of course they have no customer service to speak of so ill just leave a bad review and move on.

Date of experience : July 27, 2023

Thank you for sharing your experience, Eric. No hard inquiry of your credit is performed as part of NerdWallet's personal loan pre-approval process. If you were matched with a lender and continued on to their formal application process, or applied with them directly, a hard inquiry would then be conducted, and this is disclosed as part of the process. NerdWallet has a responsive support team that can be reached at [email protected]. If you did not submit a formal application before being notified about a hard inquiry, please send us a message and we'll be glad to investigate.

Honest scumbags

I give them credit they do say from the outset all reviews are on advertising accounts and they get paid if you purchase anything. But before knowing that contacted them about Synchrony Bank and a fraud case based on Identity Theft. They thanked me but said their reviews were on the savings accounts and investments accounts. I don't know about you but a dishonest bank in one area is probably dishonest in all areas.

Date of experience : May 17, 2021

AMAZING Experience

I used NerdWallet to get my first credit card, and was nervous because I wanted to make sure I didn't run into any issues (annual fees, not approved, etc). NerdWallet compared all of the applicable cards and provided all the info I needed to make the right choice. Thank you Nerds!

Date of experience : December 22, 2014

Just another old school, Internet swindler...pay per click

Just another old school, internet swindler making money from pay per click. Don't trust their information. Tried all their recommendations for international payment to a foreign company and none worked. Shocked! Then read reviews how they are now just a pay per click bait business.

Date of experience : November 21, 2019

I did not concent to your emails. Delete my information.

I came here just to express how a don’t appreciate that my information was given/sold to NerdWallet. I’m being targeted by this company to purchase their services. I don’t know how you got my information but please stop sending me emails. This screams shady business from the get-go.

Date of experience : July 19, 2022

NerdWallet

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NerdWallet Reviews

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Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

About NerdWallet

Founded in 2009, NerdWallet provides personal finance advice and education both online and through its app. Consumers can compare banking, credit card, lending and insurance options. The website and app are free to use. The company does not offer financial products directly. It does, however, earn money through various partnerships for financial services. NerdWallet is available for consumers in the U.S., U.K., Canada and Australia.

Pros & Cons

  • Free credit monitoring
  • Free net worth and cash flow tracker
  • No phone support
  • No direct products

What is NerdWallet?

NerdWallet is an online platform offering both advice and various financial comparison tools, such as online calculators, as well as financial news impacting consumers. NerdWallet strives to help consumers make informed decisions about spending and saving. The platform features a wide range of information on borrowing, including numerous credit card comparison tools, so you can select a card based on your own financial goals or habits.

NerdWallet also offers a free app that allows you to monitor your credit score, track your budget, set bill reminders and get personalized financial advice. Users can also use the app to compare companies and products.

How does NerdWallet work?

Anyone can access the comparison tools and financial advice on NerdWallet’s website, but if you want a customizable dashboard for your personal finances, you will need to sign up for a free account. All you need is an email address to create an account or access the app.

You will then have the option to add your Social Security number, credit cards, bank accounts and house information. This allows you to access your cash flow, net worth and credit score. How much information you link to NerdWallet’s dashboard is your choice.

NerdWallet services

NerdWallet offers consumers and small and midsize businesses tools so they can learn, shop and make decisions about their money. NerdWallet offers over a dozen consumer-focused marketplaces, which provide side-by-side product comparisons and complete product details.

The various consumer marketplaces include:

  • Credit cards
  • Personal loans
  • Student loans
  • Small business

If you download the app, you can monitor your finances and get personalized credit card offers. You can also track bills and get personalized financial advice.

NerdWallet pricing

NerdWallet is completely free to use. There is no cost to set up an account, view your credit score or track spending and cash flow.

NerdWallet makes money from partnerships with companies that offer financial products, including bank accounts, car insurance, car loans, credit cards, home insurance, life insurance, home loans, personal loans and more. You can see a full list of these partners on NerdWallet’s website.

NerdWallet FAQ

According to the company, checking your credit score on NerdWallet only prompts a soft inquiry on your report and therefore does not affect your score. Even checking your score often will not affect your overall score.

Your Social Security number is needed to pull your credit score. You can skip providing NerdWallet with your Social Security number, but you won’t be able to track your credit score.

It depends on what you’re looking for. If you are searching for reviews and comparison tools, NerdWallet is superior. However, many users prefer Credit Karma for credit monitoring.

NerdWallet uses VantageScore 3.0 from TransUnion.

Is NerdWallet legit?

NerdWallet is a legitimate company that has been around since 2009. It is upfront with how it makes money and is transparent about its partners. Its free app is highly rated both on Google Play and the Apple App Store.

NerdWallet Company Information

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Reviewed Sept. 26, 2023

NerdWallet is amazing for staying organized! Keeps my net worth, credit score & bills all in one place. I highly recommend this app!! Best in the business. I also love how I received many tips & articles to read to stay up to date on the latest financial news.

We appreciate your kind feedback, Kenia! We're so glad you're finding our features helpful and it sounds like you're making great use of them to keep your finances in shape :)

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Reviewed Aug. 29, 2023

I like reading the articles. They are helpful. I really liked the article on student loans. It prompted me to get ready for paying back to start back up. I like the fact that every week I get to see my credit score. It’s in my inbox. Ready for me to look at.

Thanks for the kind review, Pam! It sounds like you're taking control of your finances and we're glad to be a helpful resource for that journey.

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Software & Service

Excellent personal finance education plus your credit score, net worth, and more.

Kathy Yakal

Bottom Line

  • Imports financial transactions
  • Explores credit score, net worth, cash flow
  • Voluminous financial literacy content
  • Minimal advertising intrusion
  • Can't create your own budget
  • Little editorial content on mobile app

NerdWallet's mission is to provide consumers and small businesses with the tools, information, and insight they need to make financial decisions. It teaches you what your credit score is and helps you track it, and it has lots of information to help improve your financial literacy. NerdWallet also lets you import financial transactions, meaning the line items from your banks and credit cards, so you can use the app to track your net worth and cash flow. NerdWallet is free, supported by targeted recommendations for financial products like credit cards and mortgages, though the ads aren't intrusive. With a clear and intuitive user interface, NerdWallet is one of the best personal finance apps you can download.

Since our last review, NerdWallet has improved its dashboard, created an effective new cash flow view, and introduced an innovative implementation of the 50/30/20 budget (more on that later). While NerdWallet is clearly among the best personal finance apps, our Editors' Choice winner is Simplifi by Quicken , which has more tools for budgeting and managing your money. Simplifi is not free, however, and NerdWallet is.

What Is a Credit Score?

A credit score is just what it sounds like: It’s a grade on your creditworthiness, only instead of A–F, the range is 300–850. Checking their credit scores is one of the most common things people do with a personal finance app.

If you’ve ever applied for a credit card, car loan, or mortgage, the lender has requested your credit score to make sure they think you are a good candidate for the loan or line of credit you want. Potential employers and landlords sometimes pull this number, too, as a way to check that you're in good financial standing.

How is the number calculated? Credit card issuers and other loan originators report the current status of your debt (such as how much debt you have and whether you make on-time payments) to three major reporting bureaus: Equifax, Experian, and TransUnion. Each of those bureaus computes a credit score based on that data, and they are usually slightly different from one bureau to another. Plus, your score may change regularly, which is a good reason to keep a close watch on it even if you’re not applying for more credit. An unexpected change in your credit score could also tip you off early to fraud (for example, someone taking out loans in your name) and data breaches.

You want to keep your credit score as high as you can, and knowing what factors go into it is critical for this. NerdWallet has articles and interactive content that explain it all in great detail and help you stay on top of your score.

How Do You Sign Up for NerdWallet?

You provide the same information to NerdWallet as you do to competing sites like WalletHub . After you create an account by entering a username and strong password, the app asks for contact information and a Social Security number, which it needs to pull your credit information. If you want to include transactions from your bank accounts and credit cards, you must also verify your mobile phone number.

what is nerdwallet reviews

Is NerdWallet Safe to Use?

Yes, NerdWallet is safe. NerdWallet supports multi-factor authentication (MFA) in addition to other industry-standard security controls. It encrypts your financial data (128-bit encryption) for enhanced safety. To connect to your financial accounts and import transactions, which is optional, NerdWallet uses Plaid and Yodlee, two trusted third-party platforms that have their own security protocols, to make the actual connections between NerdWallet and your banks. See NerdWallet’s security page to learn more.

What Does NerdWallet Tell You About Your Credit Score?

Once you give NerdWallet your Social Security number and connect your financial accounts (if you choose), you get insight about your financial state as soon as you log in, including your most recent credit score. The app doesn’t overwhelm you with financial product recommendations right at first like Credit Karma does, though it does provide links to the products it supports, like credit cards and personal loans, mortgages and auto loans, and auto and life insurance. 

NerdWallet only pulls one credit score from TransUnion once a week, unlike Credit Karma, which provides two scores daily. Like Credit Sesame and others, it shows you the factors that go into your credit score, ranked from highest impact to lowest: payment history, credit utilization, age and mix of accounts, balances, and recent inquiries. A credit simulator shows you what would happen if you took specific actions, like opening a new credit card or letting accounts go past due. Finally, you can see your full credit report, which every competing app also does. 

Calculators round out the app’s credit score tools and data. They focus on paying off debt faster, calculating total loan costs, balance transfers, and income taxes. I am happy with NerdWallet’s coverage of credit score issues, especially considering how much educational content it offers.

what is nerdwallet reviews

NerdWallet’s Dashboard

NerdWallet’s dashboard is a mercifully short page. Other personal finance apps tend to give you too much information, which can be overwhelming and confusing. NerdWallet's dashboard includes newly redesigned Weekly Insights, a personalized set of cards containing suggestions for your weekly check-in that you can flip through. You also see your credit score, your current month’s cash flow, your real-time net worth (with links to deeper details), and links to financial product offers.

What Sets NerdWallet Apart?

NerdWallet can calculate your net worth because it supports connections with your online financial accounts, allowing you to import transactions. Not many other personal finance apps can show you every single transaction from your bank accounts and credit cards, though Mint does. The difference is that Mint doesn't give you in-depth information and analysis of your credit score or show you your credit report. Mint only shows one credit score (from TransUnion) and gives a light summary of the factors that affect it.

In NerdWallet, it’s not easy to find the list of transactions from your banks and credit cards, and the list of categories for each expense—such as restaurants or rent—isn’t extensive. You can’t add or edit individual categories, but you can enter transactions manually. If you're primarily interested in tracking your spending and income in this way, Mint is better at it.

what is nerdwallet reviews

Competing sites, particularly Credit Karma, have some articles about credit scores and how to improve them. But NerdWallet excels here. It doesn’t just teach you about credit scores. It covers numerous aspects of personal finance, including budgeting and saving, making money, and investing. Multiple self-guided online courses cover topics like building credit. There are also podcasts and tons of articles that are well-researched and clearly written.

The 50/30/20 Budget Rule

NerdWallet has another unique feature that can help you zero in on your spending and try to improve it—cash flow graphs that help you identify spending trends over time. NerdWallet supports the 50/30/20 budget rule. That is, 50% of your spending should be for needs, 30% for wants, and 20% for savings and debt repayment. 

The app uses pre-assigned categories for this first iteration of the 50/30/20 budget, but the company plans to make this new feature more customizable in the future. As it is, it’s still a good learning tool that can help you understand and better budget your money. If you want a more traditional budget tool that lets you set spending goals for a variety of categories and link them to online bank accounts, we recommend Mint, which is also free.

Another differentiator: NerdWallet has a section dedicated to financial product offers, rather than peppering the site with them. Instead, it puts them near related editorial content. Its placement of products doesn’t seem as random and ubiquitous as it does on some competing sites.

Differences Between the Mobile App and Web Versions of NerdWallet

what is nerdwallet reviews

NerdWallet seems to believe its users are action-oriented, and the mobile app is set up for action. You use it to check a credit score quickly, or see if a specific transaction has cleared, or look for a promising financial product. But you wouldn’t necessarily study financial topics from your phone, so you won’t find the volumes of personal finance editorial content on the mobile apps that appear on the browser-based website. 

NerdWallet's mobile apps are focused on the recurring tasks of personal finance management. You will, however, find contextual, relevant content on some pages so that you can learn while you're doing them. 

Tops for Teaching Financial Literacy

NerdWallet teaches you about personal finance with well-researched and objective information. No personal finance app that I’ve found comes close to offering the depth, clarity, and volume of knowledge found on NerdWallet’s pages. It’s the best personal finance app for supporting financial literacy, and the only one that can import transactions and calculate your true, real-time net worth.

Our Editors' Choice winner among personal finance apps is Simplifi by Quicken . It does more than NerdWallet, with tools to create budgets and more actively manage your money day to day. NerdWallet is free, though, and Simplifi isn't, so you may still end up using NerdWallet for all the areas where it excels at helping you learn more about money.

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  • Credit Karma

About Kathy Yakal

I write about money. I’ve been reviewing tax software and services as a freelancer for PCMag since 1993. Along the way, I took on reviews of other types of business and personal finance technology. Prior to that, I had spent a few years writing about productivity and entertainment applications for 8-bit personal computers (my first one was a Commodore VIC-20) as a member of the editorial staff at Compute!

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what is nerdwallet reviews

Excellent personal finance education plus your credit score, net worth, and more

Kathy Yakal

Bottom Line

  • Imports financial transactions
  • Explores credit score, net worth, cash flow
  • Voluminous financial literacy content
  • Minimal advertising intrusion
  • Can't create your own budget
  • Little editorial content on mobile app

NerdWallet's mission is to provide consumers and small businesses with the tools, information, and insight they need to make financial decisions. It teaches you what your credit score is and helps you track it, and it has lots of information to help improve your financial literacy. NerdWallet also lets you import financial transactions, meaning the line items from your banks and credit cards, so you can use the app to track your net worth and cash flow. NerdWallet is free, supported by targeted recommendations for financial products like credit cards and mortgages, though the ads aren't intrusive. With a clear and intuitive user interface, NerdWallet is one of the best personal finance apps you can download.

Since our last review, NerdWallet has improved its dashboard, created an effective new cash flow view, and introduced an innovative implementation of the 50/30/20 budget (more on that later). While NerdWallet is clearly among the best personal finance apps, our Editors' Choice winner is Simplifi by Quicken , which has more tools for budgeting and managing your money. Simplifi is not free, however, and NerdWallet is.

What Is a Credit Score?

A credit score is just what it sounds like: It’s a grade on your creditworthiness, only instead of A–F, the range is 300–850. Checking their credit scores is one of the most common things people do with a personal finance app.

If you’ve ever applied for a credit card, car loan, or mortgage, the lender has requested your credit score to make sure they think you are a good candidate for the loan or line of credit you want. Potential employers and landlords sometimes pull this number, too, as a way to check that you're in good financial standing.

How is the number calculated? Credit card issuers and other loan originators report the current status of your debt (such as how much debt you have and whether you make on-time payments) to three major reporting bureaus: Equifax, Experian, and TransUnion. Each of those bureaus computes a credit score based on that data, and they are usually slightly different from one bureau to another. Plus, your score may change regularly, which is a good reason to keep a close watch on it even if you’re not applying for more credit. An unexpected change in your credit score could also tip you off early to fraud (for example, someone taking out loans in your name) and data breaches.

You want to keep your credit score as high as you can, and knowing what factors go into it is critical for this. NerdWallet has articles and interactive content that explain it all in great detail and help you stay on top of your score.

How Do You Sign Up for NerdWallet?

You provide the same information to NerdWallet as you do to competing sites like WalletHub . After you create an account by entering a username and strong password, the app asks for contact information and a Social Security number, which it needs to pull your credit information. If you want to include transactions from your bank accounts and credit cards, you must also verify your mobile phone number.

what is nerdwallet reviews

Is NerdWallet Safe to Use?

Yes, NerdWallet is safe. NerdWallet supports multi-factor authentication (MFA) in addition to other industry-standard security controls. It encrypts your financial data (128-bit encryption) for enhanced safety. To connect to your financial accounts and import transactions, which is optional, NerdWallet uses Plaid and Yodlee, two trusted third-party platforms that have their own security protocols, to make the actual connections between NerdWallet and your banks. See NerdWallet’s security page to learn more.

What Does NerdWallet Tell You About Your Credit Score?

Once you give NerdWallet your Social Security number and connect your financial accounts (if you choose), you get insight about your financial state as soon as you log in, including your most recent credit score. The app doesn’t overwhelm you with financial product recommendations right at first like Credit Karma does, though it does provide links to the products it supports, like credit cards and personal loans, mortgages and auto loans, and auto and life insurance. 

NerdWallet only pulls one credit score from TransUnion once a week, unlike Credit Karma, which provides two scores daily. Like Credit Sesame and others, it shows you the factors that go into your credit score, ranked from highest impact to lowest: payment history, credit utilization, age and mix of accounts, balances, and recent inquiries. A credit simulator shows you what would happen if you took specific actions, like opening a new credit card or letting accounts go past due. Finally, you can see your full credit report, which every competing app also does. 

Calculators round out the app’s credit score tools and data. They focus on paying off debt faster, calculating total loan costs, balance transfers, and income taxes. I am happy with NerdWallet’s coverage of credit score issues, especially considering how much educational content it offers.

what is nerdwallet reviews

NerdWallet’s Dashboard

NerdWallet’s dashboard is a mercifully short page. Other personal finance apps tend to give you too much information, which can be overwhelming and confusing. NerdWallet's dashboard includes newly redesigned Weekly Insights, a personalized set of cards containing suggestions for your weekly check-in that you can flip through. You also see your credit score, your current month’s cash flow, your real-time net worth (with links to deeper details), and links to financial product offers.

What Sets NerdWallet Apart?

NerdWallet can calculate your net worth because it supports connections with your online financial accounts, allowing you to import transactions. Not many other personal finance apps can show you every single transaction from your bank accounts and credit cards, though Mint does. The difference is that Mint doesn't give you in-depth information and analysis of your credit score or show you your credit report. Mint only shows one credit score (from TransUnion) and gives a light summary of the factors that affect it.

In NerdWallet, it’s not easy to find the list of transactions from your banks and credit cards, and the list of categories for each expense—such as restaurants or rent—isn’t extensive. You can’t add or edit individual categories, but you can enter transactions manually. If you're primarily interested in tracking your spending and income in this way, Mint is better at it.

what is nerdwallet reviews

Competing sites, particularly Credit Karma, have some articles about credit scores and how to improve them. But NerdWallet excels here. It doesn’t just teach you about credit scores. It covers numerous aspects of personal finance, including budgeting and saving, making money, and investing. Multiple self-guided online courses cover topics like building credit. There are also podcasts and tons of articles that are well-researched and clearly written.

The 50/30/20 Budget Rule

NerdWallet has another unique feature that can help you zero in on your spending and try to improve it—cash flow graphs that help you identify spending trends over time. NerdWallet supports the 50/30/20 budget rule. That is, 50% of your spending should be for needs, 30% for wants, and 20% for savings and debt repayment. 

The app uses pre-assigned categories for this first iteration of the 50/30/20 budget, but the company plans to make this new feature more customizable in the future. As it is, it’s still a good learning tool that can help you understand and better budget your money. If you want a more traditional budget tool that lets you set spending goals for a variety of categories and link them to online bank accounts, we recommend Mint, which is also free.

Another differentiator: NerdWallet has a section dedicated to financial product offers, rather than peppering the site with them. Instead, it puts them near related editorial content. Its placement of products doesn’t seem as random and ubiquitous as it does on some competing sites.

Differences Between the Mobile App and Web Versions of NerdWallet

what is nerdwallet reviews

NerdWallet seems to believe its users are action-oriented, and the mobile app is set up for action. You use it to check a credit score quickly, or see if a specific transaction has cleared, or look for a promising financial product. But you wouldn’t necessarily study financial topics from your phone, so you won’t find the volumes of personal finance editorial content on the mobile apps that appear on the browser-based website. 

NerdWallet's mobile apps are focused on the recurring tasks of personal finance management. You will, however, find contextual, relevant content on some pages so that you can learn while you're doing them. 

Tops for Teaching Financial Literacy

NerdWallet teaches you about personal finance with well-researched and objective information. No personal finance app that I’ve found comes close to offering the depth, clarity, and volume of knowledge found on NerdWallet’s pages. It’s the best personal finance app for supporting financial literacy, and the only one that can import transactions and calculate your true, real-time net worth.

Our Editors' Choice winner among personal finance apps is Simplifi by Quicken . It does more than NerdWallet, with tools to create budgets and more actively manage your money day to day. NerdWallet is free, though, and Simplifi isn't, so you may still end up using NerdWallet for all the areas where it excels at helping you learn more about money.

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About Kathy Yakal

I write about money. I’ve been reviewing tax software and services as a freelancer for PCMag since 1993. Along the way, I took on reviews of other types of business and personal finance technology. Prior to that, I had spent a few years writing about productivity and entertainment applications for 8-bit personal computers (my first one was a Commodore VIC-20) as a member of the editorial staff at Compute!

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NerdWallet Review: Is Nerdwallet Safe And Legit

Are you on the hunt for a reliable and trustworthy platform to manage your finances? If so, you may have come across NerdWallet. And when you came across nerdwallet.com , one question had to come to mind? Is Nerdwallet safe and legit?

But before you dive in headfirst, it’s important to make sure that the company is safe and legitimate. In this article, we’ll explore NerdWallet’s offerings and investigate whether or not it’s a platform you can trust with your finances.

As you may already know, NerdWallet is an online resource that offers a range of personal finance tools and advice to help you save money. From auto loans to credit cards to mortgages, they claim to provide everything you need to make informed decisions about your finances.

But let’s be honest, in today’s digital age, it’s natural to be cautious when it comes to sharing personal information and managing your finances online. That’s why we’ve taken the time to dig into NerdWallet’s safety and legitimacy.

We’ll be discussing customer reviews and the features that make NerdWallet stand out from the crowd. So, if you’re still unsure and wondering “Is NerdWallet safe and legit?”, don’t worry – we’ve got you covered. Keep reading to find out if NerdWallet is the right platform for your financial needs.

What Is Nerdwallet?

NerdWallet Review Is Nerdwallet Safe And Legit

Nerdwallet is a one-stop destination for comprehensive personal finance services, including budgeting tools, advice, and access to financial products. It has become an authority in helping users take control of their finances and build wealth over time. Think of Nerdwallet as a library, where you can find a wealth of financial information and resources at your fingertips.

However, it’s important to note that Nerdwallet is staffed by journalists, not experienced financial planners. That’s where michaelryanmoney.com comes in. While Nerdwallet offers general information, my website provides personalized insights and real-world experience.

Think of it like the difference between reading a recipe book versus having a private cooking lesson with a professional chef. While both can be helpful, the latter offers a level of expertise and nuance that can’t be found in a book or on a generic website.

At michaelryanmoney.com , I offer tailored financial planning services, and my insights and advice are based on my 30 years of experience as a financial planner. I don’t see myself as a competitor to Nerdwallet; instead, I see us as complementary resources. Nerdwallet offers a wealth of general financial information, while my website provides personalized insights based on real-world experience.

Overview Of Services Offered

NerdWallet is more than just an online resource for financial tools and advice – it’s a one-stop destination for all of your personal financial needs. With its comprehensive services, including budgeting tools, advice, and access to financial products, NerdWallet has become a trusted authority in the realm of financial management.

Since its founding in 2009, NerdWallet has been dedicated to helping individuals take control of their finances and build wealth over time. The platform’s intuitive interface provides users with the resources they need to make informed decisions about money management, investments, credit cards, insurance policies, banking solutions, and more.

What is Nerdwallet?

  • Comprehensive services in budgeting, advice, and products
  • Founded in 2009, has become a personal finance authority
  • Offers resources for money management, investing, credit, and more
  • Empowers all levels of experience
  • Expansive library includes calculators, reviews, comparisons
  • Provides personalized guidance tailored to individual goals
  • Trusted source of sound financial advice

But this is what I really appreciate the most about NerdWallet – because they share the same mission as I have.

What sets NerdWallet apart is its commitment to achieving financial literacy for everyone. By providing unbiased information that helps consumers save time and money while making smart decisions, NerdWallet’s robust suite of services has made it a reliable source of information for millions of people worldwide.

Whether you’re a novice investor or a seasoned trader, NerdWallet empowers all levels of experience with personalized guidance tailored to individual goals and objectives. Its expansive library includes calculators, reviews, and comparisons to help customers find the best options available when shopping around for various types of accounts or services.

So whether you’re looking to improve your credit score or just want tips on how to start investing from scratch, NerdWallet can be trusted as a credible resource for sound financial advice. With its mission to provide financial literacy for all, NerdWallet is the go-to platform for anyone looking to take control of their finances and achieve their goals.

Financial Security Measures

ertainly! Security is a top concern when it comes to managing personal finances online, and NerdWallet has taken steps to ensure the safety of its users’ sensitive information.

  • Data protection software that encrypts confidential customer data
  • Comprehensive online security protocols
  • Cybersecurity monitoring 24/7
  • A secure network infrastructure

First, NerdWallet employs Secure Socket Layer (SSL) encryption to protect its users’ data as it’s transmitted between the platform and the user’s computer or mobile device. Additionally, the company has implemented two-factor authentication to add an extra layer of protection when logging in.

NerdWallet also utilizes firewalls and intrusion detection systems to prevent unauthorized access to its servers, and its employees are required to follow strict security protocols to safeguard user data.

In the unlikely event of a data breach, NerdWallet has a dedicated incident response team that will work to quickly resolve the issue and notify affected users. The company also offers identity theft insurance to help users recover from any resulting damages.

While no system is completely foolproof, NerdWallet’s comprehensive security measures provide a high level of protection for its users’ sensitive information.

Credit Card Scams and Fraud

Customer Reviews And Ratings

Having discussed financial security measures, it’s time to look at how customers view NerdWallet in terms of trustworthiness. After all, user feedback and customer reviews are a great way to gauge whether or not an online service is reliable.

When it comes to ratings, NerdWallet scores high with users who’ve used its services in the past.

On Reviewopedia, one of the most trusted consumer review sites on the web, NerdWallet receives a 4 out of 5 star rating from over 600 reviewers. Most praise the accuracy and ease-of-use of the website coupled with helpful advice about using personal finance products and services. Other reviews cite how detailed the information provided by NerdWallet can be for those looking to make informed decisions about their financial future.

Nerdwallet’s commitment to providing exceptional customer service is reflected in its consistently positive reviews and ratings. With over 13,000 reviews on Trustpilot and an overall rating of “Excellent,” Nerdwallet has established itself as a reputable source for financial advice and products. Customers praise Nerdwallet’s easy-to-use platform, comprehensive tools, and personalized recommendations.

In addition to Trustpilot, Nerdwallet has also received high ratings from other trusted review sites such as Consumer Affairs and the Better Business Bureau. These ratings are a testament to the company’s dedication to providing unbiased, informative, and helpful resources to its users.

But Nerdwallet doesn’t just rely on customer feedback to improve its services. The company regularly conducts surveys and analyzes data to identify areas for improvement and enhance the user experience. This commitment to ongoing improvement and innovation ensures that Nerdwallet continues to provide top-notch services and maintain its reputation as a leader in the personal finance space.

Here are two Reddit threads that discuss Nerdwallet if you want to read other first hand reviews of Nerdwallet:

Be careful with Nerdwallet personal loan offers and remeber to lock your credit report by u/No-Block-9222 in personalfinance
How legit is Nerdwallet.com? by u/MontagueorCapulet in personalfinance

Pros And Cons Of Using Nerdwallet

Nerdwallet is a leading financial services platform and offers a variety of money management tools. But before signing up for any service, it’s important to understand the pros and cons associated with using Nerdwallet.

The main advantage of using Nerdwallet is that it provides comprehensive money management features, such as budgeting tools, credit score tracking, and more. Additionally, there are many helpful resources available to users ranging from blog posts to advice articles written by experts in the field. Plus, the user-friendly design makes navigating through the website easy and efficient.

On the other hand, there may be potential security risks when sharing personal information online. Also, certain products or services offered by Nerdwallet come with high fees which can add up quickly if not monitored closely. Finally, customers may have limited customer support options should they need assistance with their account or run into problems while using the platform.

Overall, Nerdwallet has both advantages and disadvantages to consider when deciding whether or not to use this financial services platform. It’s important for anyone considering registering for an account to weigh these factors carefully before committing to anything long-term. With this knowledge in mind, readers can now turn their attention towards exploring alternatives to Nerdwallet.

Alternatives To Nerdwallet

While Nerdwallet is a great tool for tracking investments and budgeting, there are plenty of other options out there that may offer more features and better services. For those who need an extra push in the right direction with their financial planning, it might be beneficial to look into hiring a professional financial advisor or seeking debt management advice. Additionally, some people may feel safer using credit monitoring tools like Credit Karma or Experian Boost. All of these can help individuals make smarter decisions when it comes to how they handle their money.

An analogy to compare michaelryanmoney.com to NerdWallet would be to think of Michael Ryan as a personal trainer while NerdWallet is like a gym. Just as a gym offers various equipment and resources for a person to use, NerdWallet offers a range of financial tools and services for users to manage their finances.

However, just as a personal trainer can offer individualized and personalized guidance based on their expertise and experience, Michael Ryan’s experience as a financial planner provides personalized insights and guidance to his clients that a platform like NerdWallet cannot match.

For those looking for something outside of traditional banking and investment tracking methods, apps such as Mint and Acorns provide innovative ways to manage finances. They both offer budgeting tools, but Mint also provides bill pay reminders and account aggregation.

Acorns goes one step further by allowing users to invest spare change from everyday purchases into stocks and ETFs—something not available through Nerdwallet’s offerings. Ultimately, the best option will depend on your individual needs and goals. With so many alternatives available today, you’re sure to find something that meets your needs perfectly!

Frequently Asked Questions

How much does it cost to use nerdwallet.

It’s completely free to use Nerdwallet! There are no hidden fees or charges whatsoever. Nerdwallet makes money through partnerships with various financial institutions and receives a commission when users sign up for products or services through their platform. So not only is it a valuable resource for financial advice, but it won’t cost you a penny to use.

Does Nerdwallet Have Access To My Banking Information?

Rest assured, as far as I know – Nerdwallet does not have direct access to your banking information. Instead, they provide a secure platform that allows you to link your accounts to view your financial data in one place. This gives you the ability to monitor your finances easily, without having to log in to multiple accounts. Nerdwallet takes data privacy and security seriously, so you can trust that your information is protected while using their services.

NerdWallet is more than just an online financial platform. It’s a reliable resource that empowers people to make informed decisions about their money. As we have discussed in this review, NerdWallet takes measures to protect its customers’ data through encryption and secure servers, as well as offering two-factor authentication for extra protection. All the financial services they offer are fully regulated by national authorities in each country where they operate, which means customer funds remain safe.

But NerdWallet is more than just safe and legitimate. It’s also highly regarded in the industry, having received numerous awards from reputable organizations like Forbes Magazine and GOBankingRates. With a plethora of educational materials such as articles and tutorials, NerdWallet provides users with the resources they need to better understand their finances and make smart investments.

Moreover, NerdWallet employs multiple layers of defense to ensure customer accounts remain protected from hackers or other malicious threats. Users can set up additional passwords or pins for added security measures, which gives them peace of mind.

In conclusion, NerdWallet offers a comprehensive suite of services that are both safe and legitimate. It’s no wonder why it’s considered one of the top personal finance websites today. So, if you’re looking for reliable financial advice, NerdWallet is definitely worth considering. Don’t forget to leave a comment below if you have any questions or feedback. And, if you found this review helpful, please share it with your friends and family. Lastly, be sure to sign up for our newsletter below to get even more helpful information for your personal finances.

  • Sharing the article with your friends on social media – and like and follow us there as well.
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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.

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Everything You Need to Know About NerdWallet

NerdWallet has become one of the largest online destinations for information on all things personal finance. Here’s a look at what they offer and how they operate.

NerdWallet is a highly popular personal finance site in the U.S. that lets users make more informed financial decisions.

It does this through comparing different products and services available from banks, insurance companies and other financial services.

NerdWallet was founded in 2009 but has quickly become a well-known destination for better understanding different financial offerings and choosing the best for one’s particular situation.

What is NerdWallet?

NerdWallet is a website that helps educate consumers about the various financial products and services available on the market. It does this through reviews and comparison tools to help them make smart decisions about the financial services they choose.

It was founded in 2009 by Tim Chen and Jacob Gibson and originally offered a web application that let consumers compare bank-issued credit cards.

Banks would pay a success fee to Nerdwallet for new customers who signed up for their service.

Since then, NerdWallet has grown to 200 employees and has developed relationships with eight different banks and a dozen insurance companies.

American aged 30-36 are most likely to seek financial advice (2018)

What Services Does NerdWallet Offer?

In their own words, NerdWallet “offers financial tools and objective advice to help people understand their options and make the best possible decisions”.

They do this through both reviews and comparisons of different financial products, including:

Credit Cards

Every year, NerdWallet creates an overall “Best credit cards” review. It also focuses in on specific types of cards, like the best rewards, cash back, and travel cards.

You can find information for other types of credit cards, too, like low interest, bad credit, or balance transfer cards.

Just like with credit cards, there are a variety of reviews that will help you select the best checking account, savings account, and more.

They also review a handful of banks according to different categories, such as:

  • Online and mobile banks
  • Brick and mortar banks
  • Credit unions

Investing can be a tangle of choices, and this is yet another area where NerdWallet works hard to excel.

From the best brokers for different types of traders to the best IRA providers, online brokers and tax software, Nerdwallet aims to cover all the bases of basic investing and financial management.

The site also includes investment calculators for retirement, Roth IRAs and 401(k) savings plans.

NerdWallet helps prospective homeowners understand and decide between the various mortgage options, including 30 year fixed mortgages, 15 year fixed mortgages, 5/1 ARM rates and more.

They also include tools to help you understand how much home you can afford, what your mortgage payment will be (approximately) and how much you could save if you refinance at today’s rates.

Loans and Insurance

You can also find reviews of loans and insurance on NerdWallet. There are free calculators you can use to estimate payments.

NerdWallet also offers an Ask an Advisor service where you can ask financial questions for free to experts including CPAs and certified credit counselors.

You can ask questions anonymously.

How Does NerdWallet Work?

NerdWallet breaks its services down into different categories, where users can go depending on the stage they’re on with regard to the different financial services.

For example, if you’re looking to buy a home, you need to know how much home you can realistically afford.

In those cases, you’d use one of Nerdwallet’s calculators.

You can also learn more about how mortgages work and the different types available, as well as compare between them when you’re ready to take the next step.

Review, Compare, Calculate, Learn

NerdWallet categorizes financial services based on certain criteria.

You can review prospective services based on unbiased, independent ratings, as well as compare between options.

You can also use NerdWallet’s online calculators and learn more about some of the most common questions related to buying and working with the different financial services you’re interested in.

Everything is categorized neatly on the sidebar of the website, so it’s easy to navigate between options to filter out exactly what you want.

Why Should I Create an Account with NerdWallet?

NerdWallet allows you the option to create an account with them in exchange for your latest credit score each week.

This weekly update lets you see how your credit score has changed over time.

As this is only a “soft pull” (meaning it’s not done by a lender to evaluate your creditworthiness) of your credit, signing up won’t affect your score.

How Legitimate and Trustworthy is Nerdwallet’s Website?

Reviews and ratings come from other NerdWallet users as well as anonymous posters while recommendations for different lenders and companies come from Nerdwallet itself, which has a partnership with these companies.

How Does NerdWallet Make Money?

NerdWallet aims for full transparency and is not shy about how they make money.

We partner with financial institutions, lenders, and others so we can provide you with the best offers for financial products and provide clarity for all of life’s financial decisions. NerdWallet states on its website, adding, we may receive payment if you apply for and receive one of their products.

Much like an affiliate commission or a finder’s fee, NerdWallet makes money when you choose one of their partners and get approved by them.

Currently, NerdWallet features over 7,000 different financial products (and growing), but not all of them have a compensation agreement with the company.

What Are Some of NerdWallet’s Strengths?

NerdWallet provides a number of benefits to young people just starting out on the road to financial freedom.

Whether getting your first credit card or buying their your home, NerdWallet offers you plenty of choices and the tools to make smarter financial decisions.

Top 5 cities where millennial homebuyers are increasing (2017)

Reviews of Major Credit Card Companies, Lenders and Financial Institutions

From banks to insurance to credit cards, Nerdwallet reviews which options are best for different situation.

This allows users to get a direct opinion on which cards may be right for their needs.

All of the major credit card providers are featured on NerdWallet and you can easily find the highest ranked credit cards for your particular needs, such as credit cards for people with bad credit, cards for people who want airline miles, cards with the best cash back rewards and much more.

Financial Advisors Available to Answer Questions

If you have a financial question, you can head over to https://www.nerdwallet.com/ask where you can ask a financial advisor any question free or charge.

Advisors who participate on NerdWallet are carefully curated, so you can be assured at getting top notch advice.

Current questions being asked run the gamut from when to max out a health savings account, to helping ones aging family get started with Medicare.

If you like the answer you’re given, but want a bit more information, you can schedule a consultation with the advisor directly, or just say thank you!

Free iPhone App

NerdWallet also offers a free iPhone/iPad app that lets you see your credit score (from TransUnion®) and report for free as well as receive alerts if there are major changes to your score.

You can also be matched with the best credit cards according to your current credit score and financial goals.

What Are Some of NerdWallet’s Weaknesses?

NerdWallet does a great job of comparing and recommending various financial tools, including credit cards.

However, a few reviewers on BBB and Trustpilot have complained that after using NerdWallet, they have received spam emails and unwanted credit card offers. Others do not see value in NerdWallet's loan services.

As with any resource, be sure to do sufficient research before signing up for a service or financial product.

Many Americans struggle with understanding financial concepts

Common Questions People Ask About NerdWallet

Who are nerdwallet’s partners and affiliates.

Partners include large financial institutions, like Capital One and Bank of America. You can see a full list of NerdWallet's partners on their website .

What Should I Watch For When Working with Nerdwallet?

You should understand (and Nerdwallet makes no secret of this) that they are paid should you apply to (and be approved for) various financial products.

As long as you’re aware of NerdWallet receiving a “finders fee” for your application and approval, you can largely trust the details they provide on the various financial products in their roster.

It always pays to do your own independent research, however.

What Do Customers Say About NerdWallet and Its Services?

People enjoy the ease with which they can ask questions and use the tools that NerdWallet provides.

Since NerdWallet doesn’t even require you to sign up for an account, many people find the privacy a breath of fresh air compared to many other comparison sites that make their money on selling your details.

Customers do insist that you should do your own homework when it comes to seriously evaluating various financial offerings, and understand that not all financial resources are evaluated or presented here, but even with that in mind, Nerdwallet and its app are a good way to make more informed choices, particularly where credit cards are concerned.

How Accurate are NerdWallet’s Reviews?

As with any review, you might want to approach the information with a dash of skepticism. But overall, people interested in managing their finances right will find a wealth of reasons to consider Nerdwallet among their favorites.

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Are you in the wrong Medicare Advantage plan? What to review now

Many people choose Medicare Advantage plans without exploring their options or noticing what changes their plan may have made, according to research from KFF, a health policy nonprofit. But now that a new year has started, you may realize the plan you picked during Medicare’s fall open enrollment doesn’t work for you. Or maybe you stuck with your old plan and it changed this year. (That can happen, too.)

Medicare Advantage open enrollment, which runs from Jan. 1 to March 31, gives members the option to switch Medicare Advantage plans or move back to Original Medicare.

“It’s set up especially for people who begin the year enrolled in a Medicare Advantage plan and allows them to make certain changes,” says David Lipschutz, associate director of the Center for Medicare Advocacy.

Here’s where to start.

DOES YOUR CURRENT COVERAGE WORK FOR YOU?

Even if you haven’t had a chance to stress test your plan yet, do some research while you still have time to change your mind. Are there providers or specialists you want to see or hospitals you prefer? Make sure they’re in your network.

Check your medications, particularly if you’re on a newer drug that may be covered differently by different plans. How much do your prescriptions cost under your plan?

Then, think about your situation this year. “Are there any procedures, like a surgery that’s coming up?” says Christopher Fong, director and co-founder of Smile Insurance Group in Mesa, Arizona. “Is it outpatient? Inpatient? How many emergency room visits do you have? Do you need an electric scooter?” The more you can predict your health care usage, the more accurately you can determine whether you’re in the right plan.

Next, consider your lifestyle. Do you travel or plan to spend part of the year in another state? Make sure your insurance offers an extended network or travel benefit. Or consider Original Medicare, which allows you to see any doctor in the country who accepts Medicare.

WHAT CAN YOU DO DURING MEDICARE ADVANTAGE OPEN ENROLLMENT?

During this time, people who are already enrolled in a Medicare Advantage plan can switch — once — to another Medicare Advantage plan, or they can return to Original Medicare and purchase a Medicare Part D prescription drug plan. But if you don’t already have Medicare Advantage, you can’t join a plan now.

That said, although you can return to Original Medicare, you may not be able to sign up for Medicare Supplement Insurance, or Medigap. Medigap’s open enrollment period — when insurance companies must offer you a plan at the same price as everyone else, regardless of health issues — lasts for six months after you’re 65 and have Medicare Part B. After that, aside from a few states and situations, you’ll be subject to medical underwriting to qualify.

“While you can get in and out of a Medicare Advantage plan on an annual basis, your rights to purchase a Medigap policy are usually far more restrictive,” Lipschutz says.

SHOULD YOU SWITCH PLANS?

Some circumstances are red flags — meaning you should probably change your coverage. If your primary care physician or primary hospital system is now out of network, for instance, you’ll want to look for a plan that includes them.

If an expensive medication isn’t covered, see if there’s a plan that includes it. (You can input your medications into the plan finder on Medicare.gov to see options.) Make sure, when you’re estimating drug costs, that you’re as accurate as possible about what you’re taking, including name and dosage. “Some people will get confused between the generic version and the brand name version, and there’s a huge difference,” says Emily Gang, CEO of the Medicare Coach, a site that provides Medicare guidance.

If you had a health event and found that you weren’t covered in the way that you expected, give switching plans some thought, but consider that any money you’ve paid is a sunk cost. You’ve already spent it, Gang says. And it may not make sense to start over in a new plan with a new deductible.

In general, resist switching plans for the perks alone. “We’re not proponents of benefit chasing unless everything else lines up correctly for the member,’” Fong says.

Then, next year, do your homework during Medicare’s fall open enrollment from Oct. 15 to Dec. 7. “Ideally, you look at the plan details in advance to avoid any surprises,” Gang says.

__________________________

This article was provided to The Associated Press by the personal finance website NerdWallet. Kate Ashford is a writer at NerdWallet. Email: [email protected]. Twitter: @kateashford.

RELATED LINKS:

NerdWallet: What is Medicare Advantage open enrollment? https://bit.ly/nerdwallet-medicare-advantage-open-enrollment

Medicare.gov: Explore your Medicare coverage options https://www.medicare.gov/plan-compare/

METHODOLOGY

KFF’s analysis used survey data f(13) or community-dwelling Medicare beneficiaries from the Centers for Medicare & Medicaid Services (CMS) Medicare Current Beneficiary Survey (MCBS) 2020 Survey File. The MCBS survey is a continuous, in-person, longitudinal survey of a representative national sample of the Medicare population(14).

KFF. (2022). “A Relatively Small Share of Medicare Beneficiaries Compared Plans During a Recent Open Enrollment Period.” https://www.kff.org/medicare/issue-brief/a-relatively-small-share-of-medicare-beneficiaries-compared-plans-during-a-recent-open-enrollment-period/

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6 Apps That Will Help You Stick To Your Budget In 2024

Woman managing home finances using smart phone calculator app and laptop

Whether you're a broke student struggling to pay your tuition or are a freelancer with multiple sources of cash inflow, money definitely does not come easy. Regardless of what you do or how much you earn, setting aside some money to help you out in rocky times is crucial. However, keeping track of your finances is far from easy, and figuring out how to begin is often the most difficult part.

Since Notion has tons of templates for budgeting monthly expenses , you may find people recommending you use it to track your finances. However, if you've never used Notion, you may have to take time to familiarize yourself with the platform. Other than the time you'll need to dedicate to learning the ins and outs of Notion, you may be better off using a dedicated app to budget your expenses.

Fortunately, there are tons of iPhone and Android apps that you can install on your device to help you stick to your budget. All the apps we've included are rated highly in the Apple Store and Google Play Store and are downloaded by tens of thousands globally.

Goodbudget is a free app available on both Android and iOS . The budgeting app developed by Dayspring Partners has over a million downloads on the Google Play Store and has a rating of 4.6 stars on the App Store.

Goodbudget uses the envelope system, a budgeting method that allows you to track your monthly spending by dividing your monthly income into separate envelopes. Each envelope represents a specific expense category, such as groceries, food and dining out, and gas. Depending on how much you think you'll need to allocate to each expense, you'll have to assign an amount to each envelope. Make sure to omit your fixed expenses, like tuition and rent, from your income before allocating amounts to your envelopes.

Once each envelope has been created, you can only spend the money assigned to each envelope. Once you've spent all the money in a certain envelope, you'll need to wait until the next month to spend in that category. When you launch the app, you'll see four tabs: Envelopes, Transactions, Accounts, and Reports. 

The Envelopes tab displays your envelopes and the remaining amount for each envelope. As the name suggests, the Transactions tab lists all your financial transactions and is the tab you need to go to as soon as you receive a payment or spend some money. The Accounts tab displays all your savings, checking, cash, and debt accounts. The Reports tab visually displays your spending habits by providing charts for how much you spend by envelope, your monthly income vs spending, and if you track debt accounts, your debt progress report. Unfortunately, you can only add a maximum of 10 monthly and annual envelopes on a free account.

If you aren't a fan of the envelope budgeting system to track your finances, we recommend giving the 50/30/20 tracking system a shot. Put simply, to use this budgeting system, you need to split your expenses into three different categories: needs (non-negotiable expenses), wants (non-essential purchases), and savings. NerdWallet is a free app available on both iOS and Android . 

With over a million downloads on the Google Play Store and a solid 4.8-star rating on the App Store, there's no doubt that a lot of people trust this app with their finances. To begin tracking your spending with NerdWallet, you only need to create an account and link it with your credit and debit cards, savings accounts, checking accounts, etc. You'll also be asked to enter some personal information, and then your past transactions will be grouped into different categories automatically. 

Keep in mind that NerdWallet can access your transaction history and credit score. The app automates the process of manually tracking each transaction you make, which is helpful if you tend to forget things easily. What makes this app stand out from the others is that NerdWallet notes the dates of your past payments and then lists your upcoming bills. 

So, if you have a lot of bills to pay off every month, this feature can help. You can also lock the app and use your device's passcode or Face ID to unlock it to ensure your finance record stays private.

If it's your first time tracking your finances and you're looking for an app that has an easy-to-use interface, you'll love Wallet. Designed by BudgetBakers, the Wallet app has over five million downloads on the Google Play Store and has 4.4 stars. The free app is available on both Android and iOS devices.

Unlike most of the other budgeting apps you'll find, all you need to do to begin tracking your finances using Wallet is to sign up with your Google account. Once you connect Wallet with your bank account, each transaction you make will automatically be added to your expenses. With Wallet's premium subscription, your transactions will also automatically be categorized. However, if you're wary of linking your bank account with a third-party app, you can add your balance and manually record each expense as time passes.

To avoid overspending, you can set up a one-time or recurring budget to help you see where your money is going. If you tend to forget to pay your bills on time and then have to pay an additional late fee, you can use the app's Planned Payments feature to keep track of any transactions you need to make.

Sometimes, you may need a reality check to remind you not to spend too much. One of the best parts about using the Wallet app is the fact that you get a quick overview of your top expenses and your last transactions as soon as you launch the app. You can also add a widget to your iPhone home screen or your Android home screen , displaying the amount you currently have and how much of your income you've already spent.

Money Manager Expenses & Budget

If you're someone who likes planning months ahead of time, the Money Manager Expenses & Budget is an app you need on your device. Money Manager Expense & Budget is a finance tracking app designed by Realbyte Inc. and has over ten million downloads on the Google Play Store. It's free to download and is available on both Android and iOS devices. When you first launch the app, it'll guide you through the initial setup process. You can then manually tweak the app's default settings after understanding how the app works.

The app allows you to create weekly, monthly, and annual budgets for several categories like food, social life, pets, transport, culture, household, apparel, and more. You can view all the transactions you made at the end of the moment in a neat calendar visual. The app can keep track of multiple financial accounts like your debit card, investments, cash, loan, insurance, etc. 

If you receive a payment or need to make a transaction on a specific day of every month, you can also set up recurring expenses and incomes to be automatically added to your account. If you subscribe to the app's premium version, the app can also be connected to your PC; you can enjoy an ad-free experience and connect more than 10 accounts.

If you live with your significant other and are tired of falling behind on your bills, Honeydue is an app you need to install on your device right away. Developed by WalletIQ Inc., the couple finance tracking app has been downloaded by more than 100K people on the Google Play Store. 

The app has been primarily designed to cater to couples, is available on both Android and iOS devices, and is free of cost. The app has an easy-to-use interface; setting it up will only take a few minutes. When configuring the app initially, you'll be asked to enter your name, your partner's name, and their email. You'll then be asked to enter any common bills. 

Honeydue not only helps you and your partner ensure you're both on the same page regarding your spending budget but also reminds you before your bills are due. If you and your partner decide to split a meal or purchase something together, you can also input split expenses to let the other person know how much they owe you. Each transaction is color-coded according to which category it belongs to, along with an emoji indicating whether you or your partner made that purchase.

Rocket Money

Rocket Money, formerly Truebill, is another great app for limiting overspending. The app is available on  iOS and Android devices and is rated 4.3 stars on both the Google Play Store and App Store. Upon installing the app, you'll be asked to answer a few questions. Some of the questions include how Rocket Money can help you achieve your top financial goals and how you currently manage your finances.

Rocket Money can help you figure out when your money goes and tracks your bank and investment accounts. A significant chunk of your income also probably goes towards subscriptions. Rocket Money can help you cut down on the amount you spend every month on subscriptions.

The app hunts down recurring subscriptions you've accidentally subscribed to and cancels them on your behalf. One of the worst things that can happen to you (financially) is realizing that you forgot to cancel a free trial. Rocket Money takes it upon itself to help you out in this sector and reminds you when your free trials are nearing their end. Similarly, you'll also be notified if a service you're subscribed to decides to raise its prices. Additionally, the budget tracking app can also track your upcoming bills and notify you when you need to pay them.

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Wells Fargo Bank Review: Checking, Savings and CDs

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Wells Fargo

Overall institution rating

Megabank Wells Fargo offers a large network of branches, many ATMs and a variety of financial products. Monthly fees on basic bank accounts can be easily waived, but savings rates tend to be low. If you have a high enough balance across eligible accounts, you could receive upgrades on interest rates (but they’re still lower than the national average).

Best for: Those who prefer access to branches, keep multiple accounts at the same bank and aren’t concerned with earning competitive interest rates.

Penalty for CFPB settlement: NerdWallet deducted 0.5 star from Wells Fargo’s overall rating due to a consumer banking-related settlement with the Consumer Financial Protection Bureau. For more information about this penalty, see our methodology page . For more details on the CFPB action, see this article about the Wells Fargo fines .

  • Large branch network.
  • Large, free, nationwide ATM network.
  • 24/7 customer service by phone.
  • Expensive overdraft fee.
  • Low rates on some savings accounts and CDs.
  • Monthly fees (though some are avoidable).

Full review

Wells Fargo Everyday Checking

Member FDIC

Wells Fargo’s Everyday Checking has a $10 monthly service fee that can be avoided in one of a few ways, including keeping a $500 minimum daily balance or having $500 or more in total qualifying direct deposits each month. Primary account owners who are 17-24 years old or customers who link the account to a Wells Fargo Campus ATM card or Campus Debit card can also avoid the fee.

Checking account holders can take advantage of approximately 11,000 Wells Fargo ATMs. This trails Chase and Bank of America’s networks of about 15,000 ATMs each.

» Want a more competitive account? See our list of the best checking accounts

Wells Fargo Way2Save Savings

Wells Fargo’s Way2Save account has a $5 monthly fee, waived with a $300 minimum daily balance or a recurring savings transfer from checking to savings. The bank makes it easier to waive this fee than some other national banks, but there are many online banks that don't charge a fee at all. The 0.15% annual percentage yield is very low.

» Want to see more options? Compare NerdWallet’s best savings accounts

Certificates of deposit

Wells Fargo CD

Wells Fargo has very few standard CDs available online, and they come with a high $2,500 minimum deposit and low yields. There are also no term lengths above one-year available online. If you want to open a CD with a longer term, you have to go to a branch. In general, you can find better rates elsewhere online. Compare with NerdWallet's list of the best CD rates .

» Learn more about Wells Fargo CD rates

Customer experience

Wells Fargo offers extensive branch coverage. Its mobile banking apps offer check deposit, person-to-person payments and bill payments, and they're well-rated by app store users.

Customer service is available 24/7 by phone. It can also be reached through social media channels.

Wells Fargo earns high marks in this category. However, note that NerdWallet deducted 0.5 star from Wells Fargo’s overall rating due to a CFPB settlement. In addition to the nearly $4 billion in fines levied by the CFPB in December 2022, Wells Fargo has been penalized by government regulators multiple times, including for the creation of unauthorized accounts for customers to meet sales targets, and then for charging unnecessary fees on mortgages and auto loans. The bank paid millions of dollars to affected consumers and made leadership changes in the wake of the scandals.

» Interested in more from this bank? Check out the best Wells Fargo credit cards

Overdraft fees

Unlike an increasing number of banks that have reduced or eliminated overdraft fees completely, Wells Fargo charges an overdraft fee of $35, with a maximum of three fees per day. You can opt to use your Wells Fargo savings account, credit card or line of credit as a backup source of funds. There is no transfer fee when money is moved from those options to checking to cover an overdraft.

Wells Fargo personal checking and savings accounts include a feature called Extra Day Grace Period. The feature gives customers who have overdrawn their account one business day to deposit enough money to cover the overdrawn amount and have the overdraft fee waived. The deposits must be made by midnight E.T. the business day following the day the overdrafts occurred.

The bank also does not charge an extended overdraft fee for accounts that are in the red for several days in a row. Some banks tack on these charges, also called continuous overdraft fees, to negative-balance accounts.

» Want more details? Read our in-depth coverage of Wells Fargo's overdraft fees and policies

How does Wells Fargo compare?

Methodology.

NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.

How we rate banks, credit unions and other financial service providers

Best Accounts

More from nerdwallet.

Frequently asked questions

Wells Fargo is comparable to other national banks in that it has similar features: large ATM and branch networks, low savings rates and high overdraft fees. It can be convenient to bank at Wells Fargo, especially if you have a mortgage or other account there. Wells Fargo also has a history of multiple settlements with regulators over opening 1.5 million unauthorized bank accounts, along with charging customers fees in those fake accounts.

Both national banks have similar offerings, though Chase has more ATMs and a free overdraft program for linked savings transfers. Wells Fargo and Chase have about the same number of branches. See more on our Chase vs. Wells Fargo comparison .

You can open an account online on Wells Fargo’s website or at a branch. You’ll need the following: your Social Security number, ID, and the minimum amount of money to open the account, such as $25 for the basic checking and savings options. For an online application, you also need the details to another bank account for transferring money.

You need to call or visit a Wells Fargo branch. Prepare beforehand with these steps to closing a bank account .

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