Digital banking designed for your lifestyle

Money is changing and so is the way we use it. Now your crypto, paycheck, and debit card are all in one sleek app.

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.

Send money instantly ⚡

Cogni Pay makes sending money easy. Send funds securely, instantly, and for free between all Cogni members.

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Stay safe with single use cards 🔒

Add a layer of protection while you shop

Single-use electronic cards help protect you from fraud when buying from new or unsecured sites.

Create virtual cards for trial subscriptions

Easily create single-use electronic use cards with alias numbers to shop online so your main card number is never revealed.

Use for buying those wink wink items 😜

Cogni single-use electronic cards were created to make your online shopping experience safer and more private.

Get up to 20% 🤑 off digital cards

Member exclusive discounts on digital cards at over 1,500 brands like Uber, Airbnb, Adidas, H&M, ebay and more.

Magically 🪄 categorize your spending & track 🍃your CO2 footprint

Effortlessly manage your personal finances

Keep an eye on your spending in different categories so you always keep track of your budget throughout the month.

Automatically categorize your spending

See your categorized spending summaries from groceries, to transportation, and more.

Track your carbon footprint

Cogni calculates your carbon footprint along side your purchases to provide actionable insights like how your spending compares to the U.S average.

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Picture of phone with the bank dashboard

Credit score monitoring 📈

Cogni makes it easy to know where your credit score stands by tracking your score changes in real time so you can stay on top of your financial goals.

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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. “

— Pedro W​

Sign up in less than 3 minutes

Open an account in minutes – no credit check, no overdrafting, no minimums, and early access to our new super wallet.

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.