Your money, finally working
as hard as you do.
Kova connects all your accounts, tracks every euro, and turns spending data into an actual plan. It's free to start — no card, no commitment, no confusing dashboards.
Six reasons your bank
is already nervous.
Smart Budget
Every transaction gets categorised the moment it lands — no tagging, no spreadsheets. You get a heads-up before you overspend, not after.
Goals Vault
Name your goal, set a date, and Kova works backwards to tell you exactly how much to put away each week. Watch the progress bar fill.
Investment Hub
Fractional shares, ETFs, and crypto — all from €5. Your first investment shouldn't require a finance degree.
Net Worth Tracker
Every bank account, investment portfolio, and pension — one single number. Updated daily, so you always know exactly where you stand.
Spending Insights
"You spend 40% more on Fridays." Patterns you never noticed, spotted automatically. The data's been there all along — now it actually means something.
Kova Score
Your personal financial health score in one number. Higher score, better rates — Marcus went from 540 to 710 in four months.
Three steps from "where did my
money go?" to "look how much I saved."
Download Kova — free
Available on iOS and Android. No card required, no trial periods, no fine print. Just download and go.
Connect your accounts
Secure bank sync takes about 60 seconds. Kova reads your history and starts categorising immediately — you don't lift a finger.
Set your first goal
Holiday, emergency fund, a new laptop — whatever it is. Kova tells you the weekly number that gets you there, on time.
Watch your Kova Score climb
Weekly tips, specific to your situation. Better habits, better score. A better score means better loan rates — real, measurable impact.
Your money is safe here. Really.
Kova never holds your money — we're a read-only connection to your bank. Your data is encrypted in transit and at rest, always. We meet the same security standards as the banks themselves, not just the legal minimums.
Bank-grade encryption
256-bit AES encryption for stored data. TLS 1.3 for everything in transit. Your credentials never touch our servers.
Regulated by BaFin & FCA
Fully authorised and regulated across Europe. We hold the same licences as traditional banks. No shortcuts, no loopholes.
2FA required
Two-factor authentication is mandatory — not optional. Biometric login, session timeouts, and instant lock on suspicious activity.
Start free. Upgrade when it makes sense.
Most people start seeing results in the first week. The free plan alone pays for itself — but if you want the full picture, Plus is €7.99/month.
Everything you need to stop losing track of where your money goes.
- Smart Budget — automatic categorisation
- Goals Vault — up to 3 goals
- Spending Insights — weekly summary
- Investment Hub
- Net Worth Tracker
- Kova Score
The full picture — unlimited goals, investing, and your complete net worth in one place.
- Everything in Free
- Unlimited Goals Vault
- Investment Hub — from €5
- Net Worth Tracker — all accounts
- Priority customer support
- Kova Score + tax optimisation
Your personal financial advisor, built into the app. Know your score, cut your taxes, talk to an expert.
- Everything in Plus
- Kova Score — weekly, with tips
- Tax optimisation suggestions
- Financial advisor chat (1h/month)
- Early access to new features
- Dedicated support line
Cancel anytime. No hidden fees. Seriously.
What 380,000 people actually say.
"I found €280 a month I was wasting — on subscriptions I forgot I had, on coffee shops I never noticed adding up, on a gym I went to twice. The spending insights are embarrassingly accurate. My partner and I use Kova together now. First app we've agreed on."
Found €280/month in waste"Kova made me feel in control for the first time. The Goals Vault is the reason I actually have savings now — not just good intentions."
First real savings at 28"I started investing for the first time at 31. €5 into an ETF felt safe enough to try. Now I do €150 a month without thinking about it."
€5 → €150/month in 6 months"My Kova Score went from 540 to 710 in four months. I didn't do anything dramatic — just followed the weekly tips. When I applied for my mortgage, the broker said my credit profile was 'unusually clean for my age.' Got a rate 0.4% lower than the standard offer."
Stop wondering where your money goes.
Join 380,000 people who already know. It takes two minutes to set up, costs nothing to start, and the first insight usually pays for itself.