Kova: Collective Finance
Pool, track & pay together
Free · Designed for iPad. Not verified for macOS.
Kova is the easiest way for groups to manage money together.
Whether you’re flatmates splitting rent, friends pooling for a trip, or a community collecting dues — Kova replaces the WhatsApp messages, bank transfer screenshots, and spreadsheets with a single transparent platform where everyone can see exactly where the money is.
HOW IT WORKS
Create a group and set a financial goal. Invite your members. Everyone contributes directly into a shared wallet. Track who’s paid, who hasn’t, and how much is left — all in real time. When the goal is reached, make payment. Done.
No more chasing people for money. No more “I’ll send it later.” No more wondering where the funds went.
WHAT MAKES KOVA DIFFERENT
→ Built for groups, not individuals
Every feature is designed for how groups actually manage money — not bolted onto a personal payments app as an afterthought.
→ Full transparency
Every contribution is visible. Every payout is tracked. Every member can see the group’s financial status at any time. No more one person holding everyone’s money in their personal account.
→ Smart reminders
Set deadlines and let Kova handle the follow-ups. Automated reminders before due dates so you don’t have to be the one chasing people.
→ Contribution governance
Group members choose their participation level. Deciding contributors must approve payouts before funds are released, so no single person controls the money.
→ Activity feed
See everything that happens in your group: who joined, who contributed, when payments were confirmed, when payouts were approved. Full history, always available.
→ Progress tracking
Visual progress bars show how close your group is to its goal. Share updates with your group to keep everyone motivated.
USE CASES
• Flatmates splitting rent and household expenses
• Friends pooling for trips, events, gifts, or celebrations
• Estate residents paying community dues and levies
• Alumni groups funding projects and contributions
• Savings groups and cooperatives (ajo, esusu)
• Religious organizations collecting tithes and project funds
• Any group that needs to collect, track, and manage shared money
SECURE AND COMPLIANT
Your money and data are protected. Kova uses bank-grade security, verified KYC identity checks, and is fully compliant with the Nigeria Data Protection Act (NDPA) 2023. Payments are processed through licensed, regulated partners.
GET STARTED IN 2 MINUTES
1. Sign up and verify your identity
2. Create a group and set your goal
3. Invite your members
4. Watch contributions come in transparently
5. Pay out when you’re ready
Stop chasing payments. Start building with your community.
Kova — group money, made easy.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Some bug fixes
The developer, Kova Technologies, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contact Info
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Kova Technologies Ltd
- Size
- 53.4 MB
- Category
- Finance
- Compatibility
Requires iOS 15.5 or later.
- iPhone
Requires iOS 15.5 or later. - iPad
Requires iPadOS 15.5 or later. - iPod touch
Requires iOS 15.5 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
User-Generated Content
- Copyright
- © 2025 Kova Technologies Ltd