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Know your money. Grow your money.

Track spending, hit savings goals, and get AI-powered nudges that actually make a difference — all in one calm, beautiful app.

You're on the list! 🎉

We'll email you when Cozzy is ready to download.

Cozzy spending insights showing category breakdown with percentages and totals
Cozzy budget tracker showing category spending limits and progress bars
Cozzy app transaction list with automatic categorisation and colour-coded spending
How It Works

Your money, finally making sense

No jargon. No overwhelm. Just clarity, at your own pace.

Cozzy sprout emerging from its pot1

Get Settled In

Download Cozzy and securely link your bank. You're up and running in under two minutes.

Cozzy growing and learning your patterns2

Cozzy Gets to Know You

It learns your patterns and surfaces insights that actually fit your life — not generic advice.

Full Cozzy character — confident and in control3

Feel More in Control

Less anxiety, more clarity. You'll know where you stand — and learn to get more from every euro

Features

Everything you need to master your money

Budgeting tools, spending insights, and an AI coach that help you spend mindfully and save consistently.

Budget categories showing spending limits and usage per category
Budgeting

Spend with intention

Flexible budgets that adapt to your lifestyle. Track by category and get alerts before you overspend.

Spending breakdown showing category percentages and totals
Insights

Know where every cent goes

Automatic categorisation and visual breakdowns make smarter decisions effortless.

Olivia AI assistant offering personalised financial questions and insights
AI-Powered

Your personal money mentor

Ask anything about your finances in plain English. Get tips, summaries, and budget checks — powered by AI.

Savings goal tracking holiday to Portugal at 45% complete
Savings

Watch your goals come to life

Set targets for holidays, emergency funds, or that next big purchase. Track progress and stay on course.

All your accounts, one app

Securely link via Open Banking. Transactions sync automatically.

Learn as you earn

Curated podcasts, books, and articles tailored to your financial goals.

Never miss a beat

Timely alerts for bills, overspending, and savings milestones.

Dark Mode

Easy on the eyes, day or night

Switch to a beautifully crafted dark theme that's gentle on your eyes during late-night budget sessions. Every screen, fully optimised.

Cozzy app in dark mode showing quick actions and weekly spending
See It In Action

A quick look inside Cozzy

Beautiful, intuitive screens designed to make managing money feel effortless.

Cozzy transaction list with automatic categorisation
Cozzy spending breakdown by category with visual charts
Cozzy budget categories with spending limits and progress
Cozzy savings goals tracker showing progress towards targets
Cozzy AI financial coach providing personalised money insights
Cozzy financial education hub with podcasts, books, and articles
Cozzy Education Hub with podcasts, books, articles and learning paths
Education Hub

Financial wellness starts with understanding

Cozzy's Education Hub brings you curated content from trusted sources - your cozy corner for financial learning.

  • Bite-sized lessons on budgeting, saving, and investing
  • Curated podcasts from financial educators
  • Book recommendations with key takeaways
  • Articles tailored to your financial goals
Bank-level encryption
Open Banking powered
Your data stays yours
GDPR compliant
FAQ

Frequently Asked Questions

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.

Yes, Cozzy uses bank-level encryption and is GDPR compliant. We connect to your bank via Open Banking, which means we never see your login credentials. Your data stays yours.

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. It 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.

Enterprise

Financial Wellness for Your Team

Empower your employees with financial education and tools. Reduce financial stress and boost workplace wellbeing.

Financial literacy training
Reduce employee stress
Engagement analytics

Let's Talk

Bring financial wellness to your organisation. We'd love to discuss how Cozzy can help your team.

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We'll get back to you within 24 hours.

We typically respond within 24 hours