The Basics

What is Cogni?

Cogni is a people-driven digital banking app. Our top priority is giving you secure and easy access to your money with no hidden fees.

Cogni offers a mobile banking platform that includes a Visa prepaid debit card issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.

We believe that your money should always be your money, and pride ourselves in providing an alternative to high fee accounts typically offered by traditional banks. You will find no account minimums or overdrafts and will have access to one of the largest surcharge free ATM networks (*At over 55,000 Allpoint ATMs worldwide)

Your deposited money is FDIC insured up to $250,000 per depositor and the Cogni Visa debit card can be used anywhere Visa debit cards are accepted.

Cogni can be utilized by any U.S. resident at least 18 years of age with a valid Social Security number.

The service is available through a mobile banking application found on the App Store and installed on Apple mobile phones (iPhone 7 or newer, iOS 12.0 or later).

Learn more about us on our website.

Who can use Cogni?

Anyone and everyone! (Well, with some caveats.)

To apply for a Cogni account, you must be at least 18 years of age, a U.S. resident, and have a valid Social Security number. 

Once your application has been approved, your Cogni Visa debit card can be used everywhere Visa debit cards are accepted, worldwide. 

Does Cogni charge any fees?

Your money should always be your money. We do not charge fees to apply or open an account. We also don’t charge any monthly fees or minimum balance fees. We make it easy to move money in and out of your account without fees. We also give you access to a network of 55,000+ surcharge free ATMs across the world. 

For a list of the few fees that may be charged, please refer to the Appendix of the Cardholder Agreement.

Do I need to keep a minimum balance in my account?

No. As a member of Cogni, you will not be charged any minimum balance fees. We believe you should have control over your money, so we don’t penalize you for fluctuations in your balance.

How does Cogni make money?

Each time you use your Cogni Visa debit card, our card processors charge the merchant an interchange fee for the service of accepting debit cards. You are never charged for this fee.

We get a portion of this interchange, which we use to provide our Members with fee-free service.

What type of account is offered?

The Cogni account is a personal digital banking account. You are given a Cogni Visa debit card, and your funds are FDIC-insured through our partner bank (Community Federal Savings Bank). 

Cogni accounts support interbank transfers through the Automated Clearing House (ACH) network, including direct deposit, and many other ways of getting money in and out of your account.

We currently do not offer joint accounts nor business accounts. However, both are being considered for our future roadmap, so stay tuned!

Applying for a Cogni account

What do I need to apply for a Cogni account?

Applying for a Cogni account is quick and easy. The application takes 3–5 minutes.

In order to apply, you’ll need to provide the following info:

• Full legal name

• Email address

• Mobile phone number

• Home address

• Social Security number

• Date of birth

Do you check my credit history when I apply for a Cogni account?

No...We do not check your credit history when you apply for a Cogni account, so applying will not affect your credit score.

If I am not automatically Approved, what is the manual review process?

The information you provide in the application is automatically cross-referenced against several industry-standard data sources. However, those data sources do not always provide successful matches, thus we need to review the application manually in order to get you approved for an account.

During the manual review process, you will be contacted by email from our Cogni New Accounts Team (make sure to check your spam/junk folders). We will request some information from you which will help substantiate the information you applied with. You’ll then be able to securely upload PDF’s of those requested documents in the Cogni App.

The duration of the manual review process is dependent on the amount of time it takes for you to get the requested information uploaded to assist with the review. Please be aware that after the requested information are received, it may take several days for our New Accounts Team to fully review and verify this information, depending on the complexity of the individual situation.

Deposits

What options do I have to deposit funds into my Cogni account?

There are several ways of loading money to your Cogni account.

• Direct Deposit: You can set up direct deposit with your employer. All the info you need is readily accessible in the Cogni app.

• Transfer from your external bank: Connect your external bank accounts and make transfers for free.

• Deposit cash: Visit any Visa ReadyLink location (see the locator in the app). Provide the store clerk with cash, and they will add the cash value to your Cogni Visa debit card. This is free via Cogni, but a small retailer fee will apply upon deposit.

• Cogni Pay: You can have a Cogni friend send you money for immediate use.

• Transfer from external wallets: Link your Cogni account to Venmo, Paypal, Apple Cash, or various other digital wallet services and transfer money into your Cogni account.

How long does it take for a deposit to become available?

• Cogni Pay: When another Cogni member sends you money via Cogni Pay, the funds are available immediately.

• Deposit Cash: When depositing cash at a Visa ReadyLink retailer, the funds should be available within 30 minutes (often within a minute or two).

• Bank Transfer: When transferring funds from your external bank account to Cogni (via ACH), the funds are usually available within 3 to 6 business days. Although, there may be instances where we need to extend the hold time longer than that to ensure the initial funds into your account are successfully settled and ready for spending.

• Transfer from external digital wallets: Depending on the third-party service or the transfer method used, the funds could be available immediately or take 1-3 days to become available.

How do I transfer funds from my external bank to my Cogni account?

You can move money between your account at another bank and Cogni for free. Simply visit the Move Money screen in the app and tap the Bank Transfer button. After choosing to Add funds, choose from two options:

1. Sign in to your external bank through the Cogni app (via Plaid)

2. Manually enter your external account and routing numbers

The transferred funds should usually be ready for use within 3–6 business days. If you choose to initiate a transfer through your external bank, they may charge a small fee, and the timeline may vary. Bank transfers are performed via the Automated Clearing House (ACH) network.

Why are my funds subjected to an extended hold?

An extended hold is typically placed on initial bank transfers from an external account, or if previous bank transfer returns have occurred. The hold is placed to ensure extra time is available for your funds to settle.

Can I set up direct deposit into my Cogni account?

Yes! In order to set up direct deposit to have your employer send your paycheck directly into your Cogni account, you'll need to give your employer some information. The necessary information can be found via the Pay/deposit with account info button at the top of the Move Money screen.

Can I get my direct deposit early?

Cogni does not currently offer early access to direct deposits, but our features and services will grow as we do, and this is under consideration.

Can I deposit cash?

You can deposit cash through Visa ReadyLink, at any of their locations, nationwide. Visa ReadyLink locations include but are not limited to: Walmart, Walgreens, 7-Eleven, MoneyGram locations, etc. 

Once you have an account and your physical debit card has been received and activated, visit any Visa ReadyLink location. Provide the store clerk with cash, and they will add the cash value to your Cogni Visa debit card. 

This is free via Cogni, but a small retailer fee will apply upon deposit (varies from $2.00 to $6.00, fee vary by retailer). These fees, set by the retailers, are subject to change without notice.) The funds should be available in your Cogni account within 30 minutes (often within a minute or two).

How do I locate a cash deposit location?

You can find a location to deposit cash into your account in the Cogni app.

• From the Login screen, tap Help > Search cash deposit locations.

• After logging in, from the Move Money screen, tap the Cash Deposit button.

Note: Cogni does not charge a fee for this; however, the retailer does charge a small fee for the service (varies from $2.00 to $6.00, fees vary by retailer. These fees, set by the retailers, are subject to change without notice).

What types of deposits are not supported?

We don’t currently support deposits at ATMs. Additionally, we currently don’t support wires, mobile check deposits, or deposits by mail. However, all of these are being considered for our future roadmap, so stay tuned!

Payments and Transfers

What options do I have to send money from my Cogni account?

There are several ways of sending money from your Cogni account.

• Transfer to your external bank: Connect your external bank accounts and make transfers for free.

• Cogni Pay: Send money securely, instantly, and for free to all other Cogni members. You can even send money to non-Cogni friends which will be available to them immediately after they are approved for an account.

• Mail a paper check: We’ll print it out and mail it for you — just give us the recipient’s name and mailing address.

• Transfer to external wallets: Link your Cogni account to Venmo, Paypal, Apple Cash, or various other digital wallet services and transfer money from your Cogni account.

How do I transfer funds from Cogni to my external bank?

You can move money between Cogni and your account external bank for free. To send money from Cogni to your external account, simply visit the Move Money screen within the app and tap the Bank Transfer button. After choosing to Withdraw funds, choose from two options:

1. Sign in to your external bank through the Cogni app (via Plaid)

2. Manually enter your external account and routing numbers

The transferred funds should usually be ready for use within 3–6 business days. If you choose to initiate a transfer through the external bank, they may charge a small fee, and the timeline may vary. Bank transfers are performed via the Automated Clearing House (ACH) network.

Can I send someone a paper check?

We offer the ability to send physical paper checks. We’ll print it out and mail it for you — just give us the recipient’s name and mailing address.

We don’t support the ability to order a book of paper checks at this time. However, this is being considered for our future roadmap.

Does Cogni offer scheduled payments and bill pay?

No, sorry! We don’t currently support bill pay or scheduling future-dated or recurring payments at this time. However, these features are being considered for our future roadmap, so stay tuned!

Is Cogni compatible with Apple Pay, Venmo, Paypal or Cash App?

Yes. Cogni’s primary and digital card can be added into the Apple Pay wallet and used for Apple Pay purchases. The card or account can also be linked and used within Venmo and Paypal. Cogni is also compatible with Cash App, but the account and routing information must be used for this, as Cash App does not allow the linking of the Cogni card.

Google Pay and Samsung Pay compatibility is on our roadmap. If you don't see a certain feature on here, send us a Feature Request through the App or through our website and we'll see if we can get it integrated!

Card-Based Transactions & Disputes

Why are some of my card-based purchases still pending?

Pending means a transaction to withdraw money from your account has been submitted but isn’t complete. A pending card transaction is effectively holding this balance as unavailable either until the merchant settles the transaction or the hold expires.

Pending card transactions will become “posted transactions” when the settlement communication is received from the merchant. An exact timeframe cannot be provided, although this often happens within 2-3 business days. However, please be aware that we have seen this take up to 10 business days in some cases.

The varying duration is due to how merchants finalize their card transactions in batches. This is normally done once a day, but some merchants batch their transactions less frequently, resulting in the transactions staying pending longer.

Usually, the pending card transaction will disappear when the settlement is processed, but occasionally, it will linger. This happens when the merchant creates a new transaction when they run the batch, rather than finalizing the existing original authorization. The pending charge will expire and disappear automatically, usually after a week or so. 

Can a pending charge be canceled?

Cogni cannot cancel a pending card transaction, but the merchant might have that capability. If the merchant cancels the charge while it’s still showing as pending, they’ll remove it from their list of transactions to finalize. They don’t usually have a way to remove the pending hold, but it should expire automatically after a few days.

If you’d like a refund on a pending transaction, you’ll need to wait for it to post before filing. We’ll determine whether your dispute can be resolved within the first ten business days, at which time provisional credit may will be issued. It may take up to 90 calendar days for a case to officially be resolved.

Why haven't I seen my refund?

Please follow-up with the merchant to best understand when a refund may have been initiated and how long it may take to be communicated to Cogni. Once your refund has been received, it will be demonstrated on your account. 

Why was my card transaction declined?

There are several reasons why a card transaction (purchase or ATM withdrawal) can be declined, too many to list here. Here are a few common reason this happens:

• Your card is set to "Frozen" in the App

• Your account does not have enough available funds to cover the amount of the transaction (including any applicable fees)

• You've reached your daily and/or monthly limit for that particular transaction type

Login to the App to ensure you have enough balance and your card is not currently Frozen. If you have any questions, please contact our Member Services Team at (833) 264-6447 or member-services@getcogni.com.

Why does this transaction appear twice?

Please ensure that the second transaction is not a refund/return being assessed to the account. If it has a positive reflection on your balance, it could be a return of funds. 

It is also possible that an online purchase was itemized into smaller individual charges due to the way the shipping centers operate (for example, Target.com is known to do this). Try looking at the surrounding transactions to see if they total up to the full order amount.

If you believe you received a duplicate charge on your account, please contact our Member Services Team at (833) 264–6447 or member-services@getcogni.com.

What should I do if I notice unauthorized transactions?

Fraudulent and unrecognized transactions should be reported within the App. We recommend that you begin by freezing the card used to perform the transaction. 

1. Go to the Card screen 

2. Switch on the toggle button next to "Freeze card" and follow the prompts

After your card has been Frozen, please report the transaction initiating a dispute for the transaction in question:

3. On the Home screen, locate the transaction in Recent Activity 

4. Tap on the transaction to view transaction details

5. Tap on 'Dispute this transaction' and follow the prompts

For all other disputes and fraudulent activity, please contact our Member Services Team at (833) 264–6447 or member-services@getcogni.com.

What is the status of my dispute?

If you have recently submitted a dispute, the quickest method of checking the status is to contact our Member Services Team at (833) 264–6447 or member-services@getcogni.com.

Please be aware that in most cases, Provisional Credit can take up 10 business days if the dispute was submitted outside of 30-days from initial account funding or 20 business days if the dispute was submitted within 30-days from initial account funding.

Can I withdraw cash at an ATM?

Yes! We've partnered with the Allpoint® ATM network, which makes 55,000 ATMs worldwide totally free for Cogni members. We have an ATM finder in the app that makes it easy to find the nearest Allpoint ATM to you. 

• From the Login screen, tap Help > Search fee-free ATM locations

• After logging in, from the Move Money screen, tap the Fee-Free ATMs button

Note: If you withdraw cash at an ATM outside of the Allpoint ATM network, you will be charged a $2.50 fee in addition to any fees the ATM's owner might charge.

How do I locate a Fee-Free ATM?

We've partnered with the Allpoint® ATM network, which makes 55,000 ATMs worldwide totally free for Cogni members. We have an ATM finder in the app that makes it easy to find the nearest Allpoint ATM to you. 

• From the Login screen, tap Help > Search fee-free ATM locations

• After logging in, from the Move Money screen, tap the Fee-Free ATMs button

Note: If you withdraw cash at an ATM outside of the Allpoint ATM network, you will be charged a $2.50 fee in addition to any fees the ATM's owner might charge.

My Account

Where can I find my account and routing numbers?

Your account number and routing number can be found in the app after you log in. At the top of the Move Money screen, tap the Pay/deposit with account info button.

What are the limits on this account?

A full list of Transaction Limits, both dollar amounts and quantities, can be located within the Cogni App. To view them, login to the app, and tap on the More menu icon (located in the upper right). Then tap on the View transaction limits and fees menu option.

If you have any specific questions, please contact our Member Services Team at (833) 264–6447 or member-services@getcogni.com.

Do you offer a Savings account?

Cogni does not currently offer an interest-bearing Savings account, but our features and services will grow as we do. Providing this core banking function is certainly on our roadmap, so stay tuned.

Is my account restricted?

As a protection for you and/or for our partner bank, there may be times where we need to restrict an account to analyze and resolve potentially abnormal activity. After appropriate evidence is provided or the issue is resolved, the restriction will be removed.

If your account has been restricted, you should receive an email with information regarding your review status and next steps. Please check your email inbox/junk/spam folders for an email from the @getcogni.com domain. If you are unable to locate the email, please contact our Member Services Team at (833) 264–6447 or member-services@getcogni.com.

If I choose to close my account, what’s the process?

We’d be sorry to see you go, but we will be as quick and efficient as possible. 

To prepare your account for closure, empty it by spending, transferring, or withdrawing your funds. You’ll also want to make sure that all direct deposits and pre-authorized withdrawals are switched over to another account. Please be aware that it can take up to 14 business days to successfully process an account closure request. You will receive an email confirmation when this has been accomplished. 

Once you’re ready to close your account, please email the Cogni Member Services Team (member-services@getcogni.com) with a request for account closure from the email address associated with your Cogni account.

Cards

What types of cards do you offer?

We believe that our Members should have easy access to their money. To maximize flexibility, every account comes with the following 3 types of cards:

• Primary Card: This is your Cogni Visa debit card, issued as a physical plastic card mailed to your home address. This also has a digital representation in the app, and can be added to 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo. This card must be activated before it can be used. This is the only card type supported for ATM usage.

• Digital Card: This is a virtual card that’s valid for a full year. This is an entirely separate card number from the Primary card, thus giving you flexibility where and how you use it. For example, you could choose to put this card on file for Amazon purchases while you choose to use your Primary card for physical in-store purchases. This also has a digital representation in the app, and can be added to 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo. This card is automatically activated so it is ready for use as soon as you are approved! 

• Single-Use Card: This is a virtual card that is valid for only a single purchase. They are automatically canceled after the first purchase. Each Single-Use card generated creates an entirely new card number. These provide the ultimate in worry-free shopping, for example on unfamiliar websites. They are also useful for trial subscriptions, since the subsequent subscription charges will be declined. This card is automatically activated each time it is generated! Note: Due to the single-use nature of the cards, they cannot be used in 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo.

Each of these are Cogni Visa debit cards issued by our partner bank and can be used anywhere Visa is accepted.

What’s the difference between my physical Primary card and virtual Digital card?

Your Primary card is a tangible plastic debit card that you’ll receive in the mail after your account is approved. This card can be used to withdraw cash at ATMs and make any of your normal in-store and online purchases.

Your Digital card is a virtual card found only within the app. It offers a separate card number and security details, allowing you easy access to your money even when your physical card isn’t on hand.

Since they are completely unique and separate card numbers, you may add both your Primary and Digital cards to 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo. Although they all draw from the same account balance, this gives you flexibility as to which one you want to use for certain merchants or purposes. 

What’s a Single-Use card?

A Single-Use card is a virtual Visa Debit card that’s automatically activated once generated. It is only good for one single purchase. One-and-done! 

This type of card allows you to make a purchase with total peace of mind. You can use it anywhere that you wouldn’t want your card info to be recorded (think: unreliable online purchases) or where you don’t want recurring charges (think: free trials with automatic subscriptions to follow).

After you use a card, it will automatically be cancelled. You may then generate another Single Use card. For each Single-Use card you generate, you have 30 days to use it (or else it will automatically expire).

When will I receive my card?

Your Digital card and Single-Use cards are ready to use in the Cogni app immediately after you’re approved. 

Your physical Primary card is automatically mailed to your home address and should arrive within 7–10 business days. If it doesn’t show up within two weeks, please contact Member Services at (833) 264-6447 or member-services@getcogni.com.

Once you get your Primary card, it needs to be activated prior to being used. While you wait for your Primary card, please feel free to utilize your virtual Digital and Single-Use cards.

Note: We do not currently offer a way to track the shipment of the physical card, but it is something being considered for our future roadmap.

What’s my CVV number? Where can I view it?

Your card’s card verification value (CVV) code (a.k.a. “security code”) adds extra security when you’re making purchases without handing over your physical card. It’s a 3-digit code found on the back of your physical card.

You can view your CVV code (and other card details) within the Cogni App, simply by tapping the card image. You can of course hide the info by tapping again on the card image.

Can I use my card internationally?

Yes! Your Cogni Visa debit card works wherever Visa is accepted and can be used to withdraw cash from ATMs worldwide. 

We've partnered with the Allpoint® ATM network, which includes over 15,000 ATMs located outside of the United States fee-free for Cogni members. Whether domestic or international, if you use an ATM outside of the Allpoint ATM network, you will be charged a $2.50 fee in addition to any fees the ATM's owner might charge.

Unlike other banks, Cogni does not charge foreign transaction fees for international purchases nor international ATM usage. However, there may be currency conversion fees associated with the transaction that Visa charges for the service.

How do I freeze (or unfreeze) my card?

You can freeze your card to prevent unauthorized use. You can also unfreeze it when you are ready to use it again. Login to the Cogni App and follow this path: 

Go to Cards > Primary (or Digital) > Use the toggle switch to freeze or unfreeze your card.

What if my card is lost, stolen, or worn out, and I need a new one?

If you think you lost your card or someone stole your card or information, you should immediately freeze your card in the Cogni app so it cannot be used.

Go to Cards > Primary > Use the toggle switch to freeze your card

You can then report your primary card as lost or stolen through the Cogni app. We’ll automatically mail you a replacement card with a new card number.

Go to Cards > Primary > Report lost card (or stolen card)

If you feel that your Digital card may have been compromised (or are worried for any other reason), don’t hesitate to give us a call at (833) 264-6447.

If you still have your physical card, but it is simply worn out and isn’t capable of being used at point-of-sale terminals anymore, contact the Cogni Member Services Team at (833) 264-6447 to have a new card sent (with the same card number).

For lost or stolen cards, there is no fee for replacement. For replacement of damaged cards, the first two card replacements are free. Subsequent replacement cards incur a fee for each replacement as stated in the Terms (please refer to the Appendix of the Cardholder Agreement).

How do I set or change the PIN for my card?

When you receive your primary card in the mail, give us a call at (833) 264-6447 to activate your card and set your PIN. Press 1 from the main menu, then follow the prompts until you're presented with instructions to create your 4-digit PIN.

You can also use this same process to change your PIN at a later time. Note: You do not need to know your old PIN in order to set a new PIN.

Security and settings

Is my Cogni account FDIC-insured?

Yes! All funds deposited into Cogni are FDIC-insured through our partner bank, Community Federal Savings Bank. This means your money is federally protected against bank failure. The FDIC insures deposits up to the maximum amount of $250,000 per depositor.

Is my money safe with Cogni?

Yes. Your Cogni account is protected with the same bank-level security you expect from any traditional financial institution. 

All funds deposited into Cogni are FDIC-insured through our partner bank. This means your money is federally protected against bank failure. The FDIC insures deposits up to the maximum amount of $250,000 per depositor.

All data is transmitted securely using AES 256-bit encryption over TLS 1.2. Our technology is also subject to periodic audits by independent experts. This isn’t only to ensure that we’re compliant with financial industry standards, but also to maintain a platform that utilizes the best engineering and security practices possible. 

What if I forgot my password (or my username)?

You can reset your password from the Login screen. Tap on the Help button and then choose the Reset password or username menu option.

How come I am not receiving my code for password reset?

The 6-digit code used to reset your password is sent via SMS (txt message) to the mobile phone number on file for your account. First make sure you are utilizing the same mobile phone number on file for this account.

When attempting to reset your password, you are asked to enter your Username. This Username is case-sensitive. You may not be receiving the code because you are not entering the Username correctly (or perhaps you forgot the Username). 

To make sure you are using the correct Username, tap on ‘Forgot your username?’ link on the Reset Password screen. Then, go to your email inbox and copy and paste your Username into the Reset Password screen and tap Send Code.

If you still do not receive the code via SMS, please call our Member Services Team at (833) 264–6447.

How do I change my password?

After logging in to the Cogni app, tap the Settings button on the bottom navigation bar to get started.

Settings > Security > Change password

How do I update my name?

We believe that just like your money, you should be in control of your identity.

However, for security reasons, we can’t allow you to change your name within the app. Please contact Member Services at (833) 264-6447 if you need to initiate a name change.

How do I update my contact info?

You can update your contact info in the Cogni app after logging in. Tap the Settings button on the bottom navigation bar. Then on the Profile screen, drag and slide the Home address, Email, or Mobile number to the left to see the Edit button.

To ensure safety and security of your account, our Cogni team may reach out to you asking for evidence of the profile change, such as a phone bill, driver’s license, etc. 

Note: For security reasons our Member Services Team is not able to update your Home address, Email, or Mobile number on your behalf, but they can assist if you are encountering problems within the App.

If I change phone numbers, how do I access my account?

If you change your mobile phone number but still have the same mobile device, you should be able to login and change your phone number within the Cogni App.

If you change your mobile phone number AND your mobile device, please send a mobile number change request via email to our New Accounts Team (onboarding@getcogni.com) from the email address associated with your Cogni account for processing. To assist with this, the following information should be included:

• One phone bill showing the old phone number and One phone bill showing the new phone number.

• If your mobile phone bill is under a different name and/or address, please also provide one (1) of the below:

• Valid State-Issued ID, Driver's License (front & back)

• Passport 

• Most Recent Pay Stub, W2, 1099 or Utility Bill

Once the evidence is provided and reviewed, you’ll then be allowed to login on the new device. 

I’ve submitted the information requested for review, now what? 

Once you have properly submitted all of the requested information to assist with your review, please allow some time for our New Accounts Team to review this information. 

Once the review is complete, you will be notified via email of the determination made. If any additional information is needed from you, we will reach out to you via email and/or phone. If you have any questions regarding an ongoing review, please direct them via email to onboarding@getcogni.com

Cogni app

What devices are compatible with Cogni?

Currently, we’re only supported on Apple mobile phone devices (iPhone 7 or newer) running iOS 12.x or newer. While the app might work on an iPad or iPod device, it has not been developed nor tested on those devices, thus issues that arise on those devices are not supported. 

Monthly Summary Reports showing account activity are provided as standard PDFs, which can be viewed on Apple devices without any additional software.

What iOS version is Cogni compatible with?

The Cogni app is supported on the current version of iOS (e.g., 13.x.x) and the previous major release (e.g., 12.x.x).

What other apps are compatible with Cogni?

Cogni’s primary and digital card can be added into the Apple Pay wallet and used for Apple Pay purchases. The card or account can also be linked and used within Venmo and Paypal. Cogni is also compatible with Square’s Cash App, but the account and routing information must be used for this, as Cash App does not allow the linking of the Cogni card.

Google Pay and Samsung Pay compatibility is on our roadmap. If you don't see it on here, send us a Feature Request through the App or through our website and we'll see if we can get it integrated!

When will Android be supported?

An Android offering is of course a part of our roadmap and is currently in the works. Hang tight and to be notified when this is available, please send an email to our Member Services Team at member-services@getcogni.com requesting to be notified when we’re ready!

Help and Member Services

How do I contact Cogni?

Our Member Services Team offers support via both phone and email. 

To speak to a Team Representative, call (833) 264-6447. We’re available Monday — Friday, 8 am – 9 pm EST, and Saturday, 9 am – 7 pm EST. Don’t hesitate to leave a voicemail after hours!

If you’d prefer to email us, we can be reached at member-services@getcogni.com.

These links are also available in the Cogni app for easy access.

How do I submit a Feature Request?

We’re always looking to get Member-requested features developed and delivered! 

You can send a Feature Request through the Cogni app by going to the More menu (the icon on the top right) and tap on the Submit your feedback menu option. From here, you can suggest a feature.

How do I share my feedback?

We’re glad you asked! We have many ways you can share your feedback.

You can send a Feature Request through the Cogni app by going to the More menu (the icon on the top right) and tap on the Submit your feedback menu option. From here, you can suggest a feature, report a bug, or give general feedback. Please don’t include any sensitive information!

We look forward to hearing from you!