Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Worthy Investments review

Last updated:  

Earn a 5% fixed return on bonds that support American small businesses.

ETFs, stocks and other financial markets favor Wall Street and other large corporations. But who looks out for smaller investors? Worthy advocates for a fairer, more human side of finance, using your investment to fund loans for hard-working American small businesses. You’ll earn a 5% fixed return on your investment whether you decide to invest money directly or round up the spare change from your purchases.


Annual fee


Minimum deposit to open


Average return


Average return5%
Available asset typesBonds
Available asset classesSmall companies
Account typesRetirement,Robo-Advisor,Individual,Trust,Traditional IRA

How does Worthy work?

Worthy is an automated investing service that’s a bit different from most other robo-advisors.

  1. Invest directly or round up your change. Worthy allows you to invest money directly or round up your spare change from purchases to invest.
  2. Buy bonds. When you purchase $10 bonds directly or reach a $10 threshold, Worthy purchases a bond for your account. Unlike stocks that require diversification to reduce risk, these bonds earn a fixed 5% return each year.
  3. Support your fellow humans. Coining the term “peer finance,” Worthy puts your investment to work by funding loans to qualified American small businesses.
  4. Manage your account. Visit Worthy online or through an app to manage your account and track your progress.
  5. Sit back. While Worthy isn’t insured by the FDIC or SIPC, its loans are backed by assets that reduce your risk of losing money if a borrower defaults. Worthy also keeps a reserve fund, distributing your money across multiple loans to avoid putting all of your eggs in one basket.
  6. Read up. Brush up on your financial lingo, get helpful tips, read industry news and more in the Worthy blog and learning center.

How much does Worthy cost?

Good news: It’s free. You won’t pay fees to sign up, purchase bonds, make a withdrawal or anything else.

How does Worthy Bonds make money?

If it doesn’t charge any fees and offers a 5% return on its bonds, how does Worthy make money? Simple: the loans Worthy invests in earn more than the 5% it passes onto its investors.

While it doesn’t disclose how much it earns above the 5% it returns to its bondholders, Worthy says that it uses the difference to fund its operations and stay profitable.

What are the benefits of Worthy?

Worthy’s unconventional approach to robo-investing comes with unique benefits:

  • Fixed return. Unlike stocks, ETFs and other financial markets, where returns can vary, Worthy’s bonds pay a fixed 5% return.
  • No fees. Sign up, purchase bonds, sell bonds and more — all for free.
  • Help others. Your investment helps fund loans for American small businesses, helping others while you save for the future.
  • No opening deposit. Your spare change accumulates in your account until you reach a $10 threshold, at which point it’s put toward buying one bond.
  • Convenient access. Bond terms are 36 months. But you can withdraw money whenever you’d like without a fee.
  • Member perks. Worthy investors can access top refinancing and loan options, along with a suite of learning resources to enhance your financial knowledge.

What should I watch out for?

Just like any other investment, returns cannot be guaranteed and your investment can increase or decrease in value, so you’ll want to consider potential drawbacks:

  • Online only. You won’t be able to visit a branch or speak to customer service in person.
  • No flexibility or diversification. You aren’t able to customize your investment as you could with stocks or ETFs.
  • Limited account options. Unlike with other robo-advisors, you can’t yet automatically open an IRA or 401(k), but you can reach out to Worthy to invest through your IRA.

Our pick: You Invest

Free online stock, ETF and options trades with $0 minimum to start.

  • Industry-low pricing
  • No minimum deposit
  • Unlimited free trades

Available asset types Stocks, Bonds, Options, Mutual funds, ETFs
Stock trade fee $0
Option trade fee $0 + $0.65/contract
Annual fee 0%

Customer reviews and complaints

According to its mobile app ratings, Worthy is well-received by customers. As of April 15, 2020, it earns a respectable 4.4 out of 5 stars from Google Play users and 4.3 out of 5 stars in the Apple App Store.

Other than its mobile app ratings, feedback on this trading platform is scarce. Worthy doesn’t have a Better Business Bureau or Trustpilot page. And there are no complaints about Worthy to be found on the Consumer Financial Protection Bureau.

Customers report that Worthy is easy to set up and appreciate the app’s straightforward design. The most common complaint? Authentication errors during the login process.

Compare with other robo advisors

If you like the hands-off approach of investing with Worthy but aren’t sure if it’s the right platform, check out these competitors.

Name Product Minimum deposit to open Available asset types Annual fee
Stocks,Mutual funds,ETFs,Real estate
0.25% on balances up to $99,999

0.4% on balances of $100,000+
Betterment's automatic investment site aims to improve your returns and support good financial habits with passive investing and financial planning support.
$1 per month
Invest your spare change. Anyone can grow wealth.
$10 per month
After an analysis, Blooom will place the trades within your 401k, 403b, 401a, 457 or TSP plan account for a low flat fee.
SoFi automated investing
Put your money to work. Pay zero SoFi management fees.

Compare up to 4 providers

How do I sign up for Worthy?

Worthy helps you start saving in as little as five minutes with a straightforward online application.

  1. Visit the Worthy Bonds website and click Get started.
  2. Enter your email and create a password, then click Sign up.
  3. Enter your first and last name, address and tax info, then click Continue.
  4. Enter your phone number and any other requested info, then click Continue.
  5. Continue through the steps of confirming your identity, entering a verification code texted to your mobile. Then connect your bank account to make your first investment.


To invest with Worthy, you’ll need to meet four eligibility requirements:

  • US citizen
  • At least 18 years old
  • Valid Social Security or tax identification number
  • US residential address

Required information

Ready your personal and financial details before applying:

  • Name
  • Date of birth
  • Email and phone number
  • Residential address
  • Social Security or tax identification number
  • Bank account and routing number for funding account

How to contact Worthy customer service

Get help with questions through digital support:

  • Email —
  • Facebook — WorthyNow
  • Instagram — @Worthynow
  • Twitter — @Worthynow

I’ve signed up. Now what?

Now that you’re signed up, take advantage of the flexible savings, managing and learning tools.

  • Round up your change. You’re asked to link your bank account for an initial bond purchase at signup. Also, link a debit or credit card to round up all future eligible purchases.
  • Buy bonds. Worthy allows you to purchase up to 10,000 bonds at a time, helping you to add to your portfolio whenever you see fit.
  • Set up recurring deposits. Put away a set amount of money at an interval you choose.
  • Manage your account. Log in online or through the app to view your account progress, buy or sell bonds and more.
  • Learn more. Brush up on financial lingo, get investment tips and read industry news through a blog and learning center
  • Get a loan. Worthy members get access to top-notch loan and refinancing options should you need it.

Bottom line

Worthy offers a stable way to invest, allowing you to purchase 5% fixed-interest bonds directly or trigger an automatic purchase once you’ve built up enough in spare change. And you won’t put a penny toward fees.

If you’re looking for more flexible automatic investing, compare other robo-advisors to find an option that can better suit your needs.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    July 28, 2019

    Thanks again and see you there

    • Avatarfinder Customer Care
      July 29, 2019

      Hi Cali,

      Thanks for leaving a feedback.

      Have a wonderful day.

      Kind Regards,

Go to site