[5] As of August 2019, notable investors in Acorns included Jennifer Lopez, Alex Rodriguez, Bono, Ashton Kutcher and Kevin Durant.

[19] Acorns's flat-fee structure can be highly significant for clients with small balances or who rely solely upon the firm's round-ups for investing into their accounts:[20] for example, if making one purchase on every day of a calendar year, the highest sum an account-holder theoretically could contribute (at ninety-nine cents of change on each of three hundred and sixty-five purchases) is $361.35; minus their annual fee, they would forfeit 9.96% of their money, with only the remaining 90.04% available to their investment portfolio; this difference becomes further exaggerated whenever a transaction yields less than ninety-cents in change, or when fewer than one purchase is made per day.

Per its C.E.O., Mr. Noah Kerner, in 2018, the average account-balance of Acorns was $500.00,[21] which, when assessed three dollars monthly, would effectively impose an annual assets-under-management (A.U.M.)

As is the case with most robo-advisor investment platforms, Acorns portfolios are composed of third-party passively-managed exchange-traded funds (E.T.F.s), which additionally charge their own underlying expenses.

[22] In 2017, Acorns was censured and fined by the Financial Industry Regulatory Authority for failing to maintain proper customer records.