Athena Money
Own more. Owe less.
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Everyday banking, built around the biggest thing you own — your home.
Athena is a financial technology company, not a bank. Banking services
are provided by Grasshopper Bank, N.A.; Member FDIC.
Athena pairs a full-featured spending account with your home loan, so your
money and your mortgage finally live in one place. Spend from Athena Cash
with a Visa® debit card, watch your balance, rate, and equity side by side,
and — when you qualify — earn a monthly cash reward for banking where your
home loan lives.
The Athena app puts all of it in your pocket. Check your balance and see
every transaction the moment it posts. Send money to anyone, deposit a check
with your camera, and switch your direct deposit in minutes. Freeze your
card in a tap if it goes missing, and confirm anything sensitive with Face
ID. When your mortgage payment is due, you'll see it coming — right next to
the money that pays it.
App Features:
- Athena Cash spending account with a Visa® debit card
- Add your card to Apple Wallet
- Freeze and unfreeze your card in a tap
- Change your card PIN securely in the app
- Send money to people you know
- Request money from people who owe you
- Pay bills — by bank transfer or mailed check
- Deposit checks with your camera
- Transfer money to and from your other banks
- Switch your direct deposit in minutes
- See your home loan: balance, rate, equity, and next payment
- Earn a monthly cash Member Reward — when you qualify (see Member Reward
terms in the app)
- Track sends live on your Lock Screen and Dynamic Island
- Sign in with passkeys — no passwords to steal
- Face ID confirmation on every sensitive action
- Real-time activity with running balances
- Statements, secure messages, and support in the app
Athena is a financial technology company, not a bank. Banking services are
provided by Grasshopper Bank, N.A., Member FDIC. Deposits are FDIC-insured
up to $250,000 per depositor, for each account ownership category, through
Grasshopper Bank, N.A. The Member Reward is a promotional reward and is not
a deposit product or interest. Athena AI Holdings Inc. · NMLS #2771910 ·
Equal Housing Lender. Mortgage products subject to credit approval.
• Passkey setup is now one screen and one prompt. Sign in with Face ID, no password.
• Set a PIN when you activate an Athena Card, so it works at ATMs and PIN terminals right away.
• When a contact has more than one phone number, Athena asks which number to use for Send and Request.
• Messages and notifications now sit in the header on Move and Cards, not just Home, with unread badges that follow you across tabs.
• The direct deposit row on Move stays tappable after you switch, so you can update how your paycheck is split any time.
• The Referral Bonus is now stated as available to members with an Athena mortgage. Full terms are in Membership & Rewards and the Notice of Financial Incentive.
The developer, Athena AI Holdings Inc, 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
- Search History
- Identifiers
- Usage Data
- Diagnostics
- Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
For more information, visit the developer’s accessibility website .
Information
- Seller
- Athena AI Holdings Inc.
- Size
- 39.6 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Athena AI Holdings Inc.
