Never say #WTFee again

We believe you should keep your money, not give it to a bank. That’s why we designed a mobile banking solution for you with no hidden or surprise fees.

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The Cogni Visa Debit Card is issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc. Crypto wallet funds and digital tokens are not held at any bank and like all cryptocurrencies are not FDIC insured.

No minimum balance & no overdrafting​ 👍🏻

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Instantly send money for free ⚡

Cogni Pay makes sending money easy. Pay and send money for free between all Cogni members.

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The single-use cards and Cogni pay are definitely my favorite parts 🙏🏼

” Whenever I go to a new merchant now, I generate a card instead of using my credit card to reduce the risk and not compromising my account. “

— Filipp G.

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