Now that is closing, I am looking for an alternative. For me, these are the most important things Simple does:

Simple Shared. Probably the biggest one. A joint account that we use as our main account, while still having personal accounts deeply integrated. All money comes into the Shared account, we each have our own debit cards, and transactions are marked with whose card was used.


Goals & Expenses. The original reason to use Simple: envelope-style budgeting built in. Safe to Spend shows your account balance minus the Goals/Expenses which is nice. Expenses are automatically filled and drawn from for known recurring things like rent, Internet, etc.

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Protected Goals. Under the hood, these are a separate savings account with higher interest. But the experience is like any other goal in the app, except it is set aside completely from your Safe to Spend. Perfect for larger savings.

Mobile and online first. I have never walked into a bank in the past decade or so, and I like it that way. You can do everything in the app, including pausing your debit card, ordering a new one, and any support queries/chat.

Instant transfers between Shared and Personal accounts. We use our Personal accounts as our “pocket money” and set aside a small bit each paycheck to go to our Personal accounts. In the app, we can default to the Shared UI but then easily jump into our personal account.

Of course this is all assuming that “closing Simple” includes the app and website. I think the “best” case scenario would be BBVA rebranding the service to BBVA Simple or something and keeping the experience the same. But I don’t really trust them to do that.

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