Do I have to be an Acorns Invest customer to start an Acorns Later account?

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Acorns Invest, Acorns Later, and Acorns Checking are all available in our Personal, Personal Plus, and Premium tiers. We bundle our products, tools, and education into subscription plans that help you save, invest, earn, and grow. You can get the most out of Acorns when you use all of our automated tools together — from Round-Ups® to Acorns Earn and Acorns Later.

Here's how to set up an Acorns Later account.

If you need to upgrade your subscription to access Acorns Later, here's how:

From your Acorns app:

  1. After logging in to your account, tap the profile icon in the upper left corner of the screen
  2. Tap "Settings"
  3. Tap "My Subscription"
  4. Scroll down to "Manage Subscription"
  5. Tap "Change tier"
  6. Swipe left to select the Personal tier
  7. Tap "Upgrade"


  1. After logging in to your account, click on "Profile & Settings" in the lower left corner of the screen
  2. Under "Personal Settings," click on "My Subscription"
  3. Scroll down to "Manage subscription"
  4. Click "Change Tier"
  5. Tap "Upgrade" under the Personal tier

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