How it works Features Pricing

Understand your money, calmly.

A calm companion for your finances. See your accounts, spending, and cashflow in one place. No noise, no judgement — just clarity.

Download on the App Store Get it on Google Play
Cove Money app showing dashboard and AI chat

Your bank is already here

Securely connected through Australia's Consumer Data Right.

Commonwealth Bank Westpac ANZ NAB Macquarie Commonwealth Bank Westpac ANZ NAB Macquarie
How It Works

Three steps to financial clarity

1

Explore first

Open the app and start exploring immediately. Preview mode shows you realistic example data — no account, no sign-up, no commitment.

2

Make it yours

When you're ready, create an account and subscribe. Your data stays private and the subscription unlocks your real financial picture.

3

Connect your bank

Securely link your accounts with read-only access. Your transactions, balances, and insights sync automatically throughout the day.

Features

Everything in one calm place

Accounts overview

All your bank accounts, credit cards, and loans in one view. See your net worth, track balances, and always know where you stand.

Smart insights

Spending patterns, recurring payment alerts, and gentle nudges. We surface what matters without overwhelming you with data.

Activity feed

Every transaction categorised and searchable. See where your money goes at a glance, with recurring payments tracked automatically.

AI companion

Ask anything about your money in plain English. Get thoughtful answers with real transaction data — not generic advice.

Built differently

Money is complicated enough.
The app shouldn't be.

We built Cove Money for people who want to understand their finances without being overwhelmed by them. No gamification. No anxiety loops. No alerts designed to manufacture urgency. Just a calm, honest picture of where you stand.

No noise What you need. Nothing more.
No judgement Your money, without the lecture.
No games Clarity over engagement tricks.
Pricing

Simple, transparent pricing

One plan. Everything included. Cancel anytime.

Personal
$7.99 /month
Secure bank connection
Automatic sync throughout the day
Personal spending insights
AI financial companion
Launching soon
Preview-first onboarding will be available in the app
Security & Privacy

Private by design.
Clear about how your data is handled.

Powered by the CDR

Bank connections are powered by Fiskil, an ACCC-accredited data recipient, through Australia's Consumer Data Right framework. That means read-only access, transparent consent, and control over which accounts you choose to share.

Fiskil Pty Ltd ACCC Accredited Data Recipient
Consumer Data Right

Bank-grade encryption

Encrypted connections and secure tokens help protect your data in transit. Your bank credentials stay with your bank and are not stored by Cove Money.

Read-only access

Cove Money can only read your accounts and transactions. We can never move money, make payments, or change anything in your bank.

Australian-hosted core data

Core application and financial data are hosted in Australia. We also use trusted providers for supporting services such as authentication and transactional email.

Control stays with you

You choose which accounts to share and can withdraw bank access at any time. See our Privacy Policy for more detail on providers and cross-border processing.

Your finances,
finally settled.

Download Cove Money and start exploring for free.

Download on the App Store Get it on Google Play