Acorns charges a monthly fee based on your plan, and they can increase that fee at any time — continuing to use the app means you agree to pay the new amount.
This analysis describes what Acorns's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the mechanism by which Acorns implements fee adjustments and defines the acceptance framework through continued service use rather than affirmative consent, thereby authorizing unilateral fee modifications within the contractual relationship.
Acorns can raise your monthly subscription fee and your continued use of the app counts as acceptance of the higher fee, even if you did not actively consent — this is particularly impactful for users with small account balances where fees represent a high percentage of invested assets.
How other platforms handle this
Coinbase One members enjoy $0 trading fees on up to $10,000 in trades per day. Coinbase One is a monthly subscription service. The spread still applies to Coinbase One transactions.
We charge fees for our services, which are displayed at the time of your transaction and are also available on our pricing page. Fees may vary depending on the currency, amount, payment method, and destination. We reserve the right to change our fees at any time. We will provide notice of fee change...
The service fee is calculated based on the order amount. For orders up to $200, the service fee is 5.5% + $0.50 (minimum $2.50). For orders above $200, the service fee is 5.5%.
Monitoring
Acorns has changed this document before.
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"Acorns charges a monthly subscription fee for use of its Services. The fee is based on the subscription plan you select. Acorns reserves the right to change its subscription fees upon notice to you. Your continued use of the Services after any fee change constitutes your acceptance of the new fee.— Excerpt from Acorns's Acorns Terms of Service
(1) REGULATORY FRAMEWORK: Subscription fee changes in investment adviser agreements are regulated under the Investment Advisers Act of 1940 and FINRA rules, which require clear disclosure of fees in Form ADV Part 2A. The FTC Act Section 5 and CFPB UDAAP standards apply to the continued-use acceptance mechanism for fee increases. The SEC's Reg BI requires broker-dealers to consider the cost of their services when making recommendations. (2)
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This provision establishes the mechanism by which Acorns implements fee adjustments and defines the acceptance framework through continued service use rather than affirmative consent, thereby authorizing unilateral fee modifications within the contractual relationship.
Acorns can raise your monthly subscription fee and your continued use of the app counts as acceptance of the higher fee, even if you did not actively consent — this is particularly impactful for users with small account balances where fees represent a high percentage of invested assets.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Acorns.