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Your money. Your lifestyle. One app.

Join the community in just two minutes.

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Digital banking built for your lifestyle.

  • Get paid two days early**
  • Send and receive money immediately with Cogni Pay.
  • Access to 55,000 free ATM’s
  • Disposable single-use digital cards
  • Multiple ways to move money
  • Direct Deposit for easy access to your paycheck & more

Your dollars go further with Digital Gift Cards.

Buy for yourself or send a gift. Get pre-loaded discounts with Cogni digital gift cards at over 1,500 brands, with exclusive deals and up to 12% off.**

Cogni+ works with you, not your credit score.

Unlock Cogni+ by being yourself with no financial requirements.**

Get interest-free cash advances up to $1,000. Access to Retail and Travel benefits at every step of your journey.* (coming soon)

Cogni works for people.

See how they talk about us:

“Great FinTech App - Love this app! Single-use cards are the best feature. Whenever I go to a new on or offline merchant now, I generate a card instead of using my credit card to reduce the risk and not compromise my account details.”

Cogni is a community. Talk to our team about anything.

We’ll get in touch in our open hours:

Monday - Friday: 8am - 9pm EST

Saturday: 9am - 4:30pm EST