UNest Review 2026
US app for opening a custodial (UTMA/UGMA) investment account for a child, with automatic contributions and family gifting.
*Affiliate disclosure: We may earn a commission if you open an account via our link, at no extra cost to you.
What is UNest?
UNest is a US investing app founded in 2018 that helps parents save and invest for their children. Parents open a custodial UTMA/UGMA account, set automatic recurring contributions and choose diversified portfolios. Family and friends can contribute through gifting links, and the app includes rewards that add money to the account from partner purchases. The child takes control of the custodial account at the age of majority set by their state.
Key Features of UNest
Custodial account
UTMA/UGMA account opened in your child’s name.
Automatic contributions
Recurring deposits on your schedule.
Diversified portfolios
Portfolios based on your child’s age and timeline.
Family gifting
Relatives can contribute with a link.
Rewards
Earn contributions from partner purchases.
Mobile app
Set up and track in minutes.
UNest Pros & Cons
Advantages
- Quick setup from your phone
- Easy family gifting
- Automatic investing
- Flexible use of funds compared with 529 plans
Disadvantages
- US only
- Monthly subscription fee
- Assets belong to the child at the age of majority
- Custodial accounts can affect financial aid
Who is UNest Best For?
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Frequently Asked Questions About UNest
Is UNest safe?
UNest is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.
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