Turn saving and investing into a fun, visual, and rewarding experience. Build your island, unlock new biomes, stash your savings, invest with insight, and earn 3.30% APY* all while you’re playing, not stressing.
Plus, your cash is protected with FDIC insurance up to $1 million**, and your investments are SIPC insured up to $500,000.
Invest with Insights
Start investing with simple, beginner-friendly tools. Personalized stock insights help you make thoughtful decisions so you can grow your island and collect decorations with confidence. A small 0.8% annual fee applies only to invested assets, so you can grow your portfolio without hidden costs. Investments are SIPC insured up to $500,000, keeping your assets protected.
Feel the Joy of Spending While You Save
Stash your money into vibrant decorations. Each stash helps you build your savings, giving you instant gratification for every step toward your goals.
Earn APY
See how your savings can grow with a base APY of 3.30%, giving your money a boost without the effort. Your uninvested cash is FDIC insured up to $1 million** for added security.
Upgrade Island Life with Cove Premium
Cove Premium puts you at the highest APY tier, waives the advisory fee on invested assets, and unlocks an exclusive island biome. You’ll also receive free in game perks each month to improve your life on Cove and give you a boost to reach your real-life financial goals.
Compete and Connect
Climb the leaderboards, win the Island of the Week, and join a community of Covelings who are redefining what it means to manage money.
Join Thousands of Covelings
Ditch boring financial tools and start enjoying the process of building your future. Download Cove for free today and start building your island!
Disclosures
Eden Financial Technologies Incorporated (“Cove”) is not a bank. Cove is a financial technology company and an SEC-registered Investment Adviser. Registration does not imply a certain level of skill or training. Banking services for legacy Cove accounts are provided by Evolve Bank & Trust, Member FDIC. Banking services for new Cove accounts are provided by Alpaca Securities LLC.
*The APY displayed represents the minimum rate available to customers enrolled in the cash sweep program. This APY is subject to change at any time without notice and is not guaranteed. The APY is generated from uninvested cash held in a brokerage account through a sweep program, which is not a traditional savings account. More information can be found in the Alpaca Customer Agreement.
* & ** Cash Sweep Program
Uninvested cash is swept to one or more FDIC-insured program banks through our partner broker-dealer, Alpaca Securities LLC. Each program bank provides FDIC insurance up to $250,000 per depositor, allowing up to $1,000,000 in combined FDIC coverage if your cash is spread across four partner banks. FDIC insurance does not cover any securities or other investments. More information can be found in the Alpaca Customer Agreement.
** Investments & SIPC Insurance
Brokerage services are provided by Alpaca, a registered broker-dealer and member FINRA/SIPC. Investments held in your Cove brokerage account are SIPC protected up to $500,000 (including up to $250,000 for cash). SIPC does not protect against losses due to market fluctuations. More information can be found in the Alpaca Customer Agreement.
Investment advice is provided by Eden Financial Technologies Incorporated DBA Cove. Eden Financial Technologies Incorporated DBA Cove is an SEC-registered investment adviser. Investment advice is provided by Cove and investments in your Cove account are not FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Alpaca Securities LLC serves as the qualified custodian for Eden Financial Technologies Incorporated DBA Cove. Alpaca Securities LLC is a member of FINRA and SIPC.
Terms of Service: https://www.usecove.com/legal/terms-of-service
Privacy Policy: https://www.usecove.com/legal/privacy-policy
I’ve used a lot of finance tracking / saving apps, but this is a one of a kind. Nothing I have ever used is able to encourage someone to save money so effectively. Their devs are also really responsive and helpful if you ever have any questions or suggestions. My favorite part about the app is the social feature which allows you to share your savings with friends + send money, and this creates and even stronger incentive to save money, cause who wants to look broke lol. The UI is also very user friendly and looks really clean, which is important to me since so many banking apps are the equivalent of using windows vista.
To be determined
Joey Cool🐾
If you’re looking into this app, like me ,you probably realized that you need some incentive, you understand gamification, or it just looks cool. Speaking from my corner of the universe it motivates me more than a bank account would. I’m being cautious due to me not researching the company thoroughly, but there’s a refreshing idea here. Granted I haven’t withdrawn any money yet so time will tell if that’s an issue. Hence why it’s TBD, but I think it clears a hurdle in the act of saving. I can’t verbalize it maybe the gratification. Either way excited to see what the team develops.
Saving the fun way!
Agapeadam
I first downloaded the app after meeting one of the founders. His passion for helping ordinary people create a habit of investing in themselves and their future was contagious.The app is really simple, creating enough fun to keep coming back while also not demanding lots of time. The customer service is quick and responsive, and they are always looking for suggestions to improve the game, the savings mechanisms, and the investments. I highly recommend this app.
Developer Response
Hi Agapeadam! Thank you for the review, it means a lot to us. Really glad you are enjoying it.- David, cofounder
Makes saving addictive
Brandonval1837
I downloaded the app about 2 weeks ago and i’ve already saved a generous chunk without even realizing with the reoccurring deposit feature, it makes saving fun while at the same time allowing you to invest in etfs from $SLV to starting your own $QQQ fund in game. I joined the discord and the devs are extremely helpful and listen to the community about feedback. Im extremely excited for the future of this app! Great people with great principles
Developer Response
Hi Brandonval! Thanks so much for the awesome review, it means a lot to us. We are excited to keep building with you all :)- David
Fences and Walls
Day and Night Cycles
Banana Dome Farm
Version 7.7.7
The developer, Eden Financial Technologies 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:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
