iPhone Screenshots


Cogni is a free, lifestyle-focused digital banking app that is designed with you in
mind that provides easy access to your money without any unnecessary or hidden fees.

Welcome to the Future of Banking.

Cogni the people-driven digital banking app designed with YOU in mind. We have created a secure digital banking platform that provides easy access without charging any unnecessary or hidden fees. Deposit your money, spend and track your money and make payments all within the comfort of the easy-to-use mobile app.

Open a Cogni Account and Join the Banking Revolution.

• No account maintenance fees.
• No minimum balance requirement fees.
• No overdrafts.
• Cogni Pay allows you to transfer money free and instantly.
• Freeze your card and report fraudulent or unauthorized transactions in the app.

Free ATMs*:

• No fees at over 55,000 Allpoint ATM locations worldwide.
• Find the nearest location using the Allpoint ATM locator in the mobile app.
• Traveling abroad, we have you covered! Access to over 15,000 international Allpoint ATMs.

Quick and Easy Access to Your Account with No Hassle:

• Make Instant and Free money transfers with Cogni Pay.
• Your Digital and Single-Use Cards are found within the app and offer separate card numbers and security details, allowing you easy access to your money even when your Primary Card is not present.
• Easy to read transaction history and statements viewable within the app.
• Lost your Primary Card? No worries. Freeze the card and report fraud right in the app.
• Was your Primary Card stolen? Conveniently report this in the app and we will send you a new card.

Your Banking Solutions Found in One Place:

• Freeze a card and Report a card lost or stolen.
• Dispute transactions.
• Track spending.
• Generate single-use cards.
• Set account activity notifications.

More Ways to Deposit Funds into Cogni:

• Set up direct deposit.
• Make Instant and Free money transfers with Cogni Pay.
• Visit participating Visa ReadyLink locations to deposit cash.

Your Money Is Always Safe and Secure with Cogni:

• Your Account is FDIC insured up to $250,000.00.
• Your data is protected with advanced 256-bit AES level encryption, multi-factor authentication, Touch ID and Face ID, and employ strong internal access controls and audited processes.
• Generate Unlimited Single-Use Cards to safeguard your account when making online or in-app purchases.

Make Payments and Transfers:

• No checkbook but we offer the option to generate and send checks for free.
• Cogni Pay allows you to transfer money fast and free to your Cogni friends.

* Digital Gift Cards and Pay Early features displayed in the tiles are coming soon.

Privacy Policy:

• Learn how we collect and use your information by visiting our Privacy Policy at https://getcogni.com/terms-and-privacy/mobile.html

Terms and Conditions:

• Learn more about our account terms by visiting our Terms and Conditions Policy at https://getcogni.com/terms-and-privacy/mobile.html
• Terms and Conditions contain Cogni’s fee schedule.

*The Cogni Debit Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

*Allpoint Network – over 55,000 fee-free ATM locations worldwide

*Visa ReadyLink: When reloading your card at Visa ReadyLink Cash Deposit locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink Cash Deposit locations may be found using the locator in the app.

What’s New

Version 2.2.1

- Improved user experience with Gift Card purchase
- Fixed few issues related to Move Money and Login flows

Ratings and Reviews

4.8 out of 5
704 Ratings

704 Ratings

ChoBro_VT ,

Best online banking app out there!

I have used a local credit union as my main bank for 8 years and I have made the switch to Cogni. I love the in app money sharing it's like venmo on steroids. I also love the customer service you get when signing up with this company. They always have an answer to my questions. It took Just about 5 days for my funds to transfer the first time, but customer service answered every call. Was nervous at first but all is well and I love it. Switching my direct deposit over to Cogni along with a few co-workers. Cool App and great cards!

Twixxhorton ,

Not helpful at all

I’d previously had account with them for a short time and actually closed the account on the same day in which I didn’t know what’s my purpose of opening the account for. My attention was that I was gonna use it for a backup account in case something happens to my primary bank. What really not helpful is on the same day when I closed my account, the customer service representative didn’t inform me that whenever you closed the account with them, you wouldn’t be able to open another account with them. What they could have least told me was if I didn’t want to use the account, just simply logged off your account and come back anytime to logged back on your instead of them closing it and didn’t inform their former customers. I don’t really know why they design it like that but it needs to be fixed immediately! You never know that they have former customers that wanted to come back. If I could give them zero stars, I would give them zero stars to this app and the customer service representatives and their other team that flat out lie to me about they didn’t see my email. I’d mostly definitely will not recommend them to nobody until they get this fixed!

stayreal315 ,

My first mobile bank!

Applied for a checking account at Capital One - took me over an hour at the branch. Applied for a Cogni account on my phone, took me 3 minutes while still in my PJ 😍 Cogni doesn’t offer as many features as the other big banks yet, but I can see that they’re updating the app frequently BASED ON USER FEEDBACK!! 👏👏👏 it’s super easy to use and it doesn’t use complicated language to confuse you .... Also, I just ❤️ the Single Use card feature. Looking forward to more awesome features!

App Privacy

The developer, Cogni, Incorporated, 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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