3.4.9 Safe to install
Revolutionizing Mobile Banking Experience with Cogni

Cogni offers a seamless mobile banking experience packed with innovative features, making it a top choice for users seeking convenience and security in managing their finances.
Welcome to the Future of Banking.
Cogni is a people-driven digital banking app designed with you in mind. We have developed a secure digital banking platform that offers easy access without any unnecessary or hidden fees. With our user-friendly mobile app, you can deposit, spend, track your money, and make payments effortlessly.
Open a Cogni Account and join the Banking Revolution.
- No account maintenance fees.
- No minimum balance requirement fees.
- No overdrafts.
- Transfer money instantly and free with Cogni Pay.
- Freeze your card and report any fraudulent or unauthorized transactions directly in the app.
Enjoy free ATMs*:
- No fees at over 55,000 Allpoint ATM locations worldwide.
- Use the Allpoint ATM locator in the mobile app to find the nearest location.
- Access to over 15,000 international Allpoint ATMs while traveling abroad.
Experience quick and easy access to your account with no hassle:
- Make instant and free money transfers with Cogni Pay.
- Find your digital and single-use cards in the app, offering separate card numbers and security details for easy access to your money even when your primary card is not present.
- Easily view transaction history and statements within the app.
- If you lose your primary card, simply freeze it and report fraud conveniently in the app.
- If your primary card is stolen, report it in the app, and we will send you a new card promptly.
Discover all your banking solutions in one place:
- Freeze a card and report it lost or stolen.
- Dispute transactions.
- Track your spending.
- Generate single-use cards.
- Set account activity notifications.
More ways to deposit funds into Cogni:
- Set up direct deposit.
- Make instant and free money transfers with Cogni Pay.
- Deposit cash at participating Visa ReadyLink locations.
Your money is always safe and secure with Cogni:
- Your account is FDIC insured up to $250,000.00.
- We protect your data with advanced 256-bit AES level encryption, multi-factor authentication, Touch ID and Face ID, as well as strong internal access controls and audited processes.
- Generate unlimited single-use cards to safeguard your account when making online or in-app purchases.
Make payments and transfers:
- No need for a checkbook, as we offer the option to generate and send checks for free.
- Transfer money quickly and free to your Cogni friends using Cogni Pay.
*Digital Gift Cards and Pay Early features displayed in the tiles are coming soon.
Privacy Policy:
- Learn how we collect and use your information by visiting our Privacy Policy at https://getcogni.com/terms-and-privacy/mobile.html
Terms and Conditions:
- Learn more about our account terms by visiting our Terms and Conditions Policy at https://getcogni.com/terms-and-privacy/mobile.html
- Our Terms and Conditions contain Cogni's fee schedule.
*The Cogni Debit Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
*Allpoint Network - over 55,000 fee-free ATM locations worldwide.
*Visa ReadyLink: When reloading your card at Visa ReadyLink Cash Deposit locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink Cash Deposit locations may be found using the locator in the app.
Overview
Cogni - Mobile Banking is a Freeware software in the category Business developed by Cogni, Incorporated.
The latest version of Cogni - Mobile Banking is 3.4.9, released on 05/03/2024. It was initially added to our database on 10/19/2023.
Cogni - Mobile Banking runs on the following operating systems: iOS.
Users of Cogni - Mobile Banking gave it a rating of 5 out of 5 stars.
Pros
- User-friendly interface for easy navigation
- Secure login process utilizing biometric authentication
- Innovative tools for money management and budgeting
- Easily send and receive money through the app
- Access to customer support within the app
Cons
- Limited availability, may not be accessible in all regions
- Occasional bugs or technical issues reported by some users
- Features may be limited compared to larger banking applications
FAQ
What is Cogni?
Cogni is a mobile banking app developed by Cogni, Incorporated.
What features does Cogni offer?
Cogni offers features such as mobile check deposit, bill pay, budgeting tools, account alerts, and peer-to-peer payments.
Is Cogni secure to use?
Yes, Cogni uses advanced security measures such as encryption, biometric authentication, and real-time fraud monitoring to ensure the safety of user data.
Can I link external accounts to Cogni?
Yes, users can link external accounts from other financial institutions to view all their finances in one place through Cogni.
Is there a fee to use Cogni?
Cogni is free to download and use, but some fees may apply for certain transactions or services.
How can I contact customer support for Cogni?
Customers can contact Cogni's customer support through the app or by visiting the company's website for additional contact options.
Does Cogni offer investment services?
Cogni does not currently offer investment services, but users can access budgeting tools to help manage their finances effectively.

Pete Milner
I'm Pete, a software reviewer at UpdateStar with a passion for the ever-evolving world of technology. My background in engineering gives me a unique insight into the intricacies of software, allowing me to provide in-depth, knowledgeable reviews and analyses. Whether it's the newest software releases, tech innovations, or the latest trends, I'm here to break it all down for you. I work from UpdateStar’s Berlin main office.
Latest Reviews by Pete Milner
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