Track spending, hit savings goals, and get AI-powered nudges that actually make a difference — all in one calm, beautiful app.
Vertex AIVertex AI
Vertex AIVertex AINo jargon. No overwhelm. Just clarity, at your own pace.
1Download Cozzy and securely link your bank. You're up and running in under two minutes.
2She learns your patterns and surfaces insights that actually fit your life — not generic advice.
3Less anxiety, more clarity. You'll know where you stand — and learn to get more from every euro
Budgeting tools, spending insights, and an AI coach that help you spend mindfully and save consistently.
Auto-categorisation and clear visuals turn a wall of transactions into something you can actually read.
Flexible budgets that adapt to your lifestyle. Track by category and get a gentle nudge before you overspend — never a telling-off.
Set targets for a holiday, an emergency fund, or that next big purchase. Track the progress and stay on course, at your pace.
Ask Cozzy anything about your finances in plain English — get summaries, budget checks and tips.
Each payment lands sorted, named and categorised — so your history reads like a story, not a bank statement.
Short reads, videos and guided paths that make sense of your money — calm, jargon-free, and genuinely useful.
Switch to a beautifully crafted dark theme that's gentle on your eyes during late-night budget sessions. Every screen, fully optimised.
Your financial data is sensitive. Here's exactly how we protect it — and what we'll never do with it.
Through Open Banking, Cozzy gets read-only access to your accounts — so we can never move your money. You sign in with your bank, and we never see your password.
Your information is encrypted in transit and at rest, using AES-256 and TLS — on every connection, on every device.
Your database and our servers run in Ireland and the Netherlands, and our AI processing runs in Google Cloud's EU multi-region. Our Security Policy names the few support services that run outside the EU.
Cozzy is funded by subscriptions — never by selling or sharing your personal information. Ever.
Cozzy stays off until you switch her on. Even then she sees only anonymised summaries — never your raw transactions, name or email — and your data is never used to train AI models.
Turn off AI anytime, or delete your entire account and all its data from inside the app — no emails, no waiting.
Beautiful, intuitive screens designed to make managing money feel effortless.
Download the app from your app store and create your free account in under 2 minutes. Then securely link your bank accounts via Open Banking to see all your finances in one place.
Three steps:
Three things to know:
The connection itself is carried by a company called Yapily, which is regulated to do exactly this. We are starting with Bank of Ireland, Permanent TSB and Revolut, with more banks on the way. The full detail is in our Security Policy.
Our Security Policy explains each of these in plain English.
Set savings goals for anything — a holiday, emergency fund, or that next big purchase. Cozzy tracks your progress automatically and provides AI-powered insights to help you spend mindfully and save consistently.
Yes, Cozzy is free to download and use. You can track spending, set budgets, create savings goals, and get AI-powered financial insights at no cost.
Cozzy's AI Coach lets you ask questions about your finances in plain English. She gives you personalised spending summaries, budget checks, and actionable tips based on your actual transaction data.
Cozzy connects to your bank via Open Banking, supporting major banks across the UK and Europe. Your login credentials are never shared with Cozzy — the connection is handled securely by regulated Open Banking providers.
We work with organisations who care about their members' financial wellbeing — from employers to community lenders to educators.
Financial education and tools that reduce employee stress and lift workplace wellbeing.
A member-facing financial coach that complements your services without competing on lending.
Curriculum-ready financial literacy content for schools, universities, and adult learners.
Personalised advice grounded in clients’ real financial data, not guesswork. Deeper insight, closer relationships.
Partner with Cozzy to bring financial wellness to your members. We'd love to discuss how we can support the people you serve.
We typically respond within 24 hours