Banking that
|
Cosmico connects all your bank accounts, analyses your spending with AI-powered charts, and rewards you for smart financial habits. One intelligent dashboard for everything.
Join 2,000+ early adopters already on the waitlist
Available in
United States
United Kingdom
Canada
Why Cosmico
Everything you need, nothing you don't
A complete AI-powered financial OS designed for modern life. Secure, fast, and effortlessly intelligent.
Instant Transfers
Send money to anyone, anywhere in seconds. No hidden fees, no delays. Just seamless ACH-powered transfers at your fingertips.
Bank-grade Security
Your data is encrypted end-to-end. We use the same security standards as the world's top financial institutions, so your money is always safe.
Spending Analysis
Monzo-style interactive charts show exactly where your money goes: category doughnuts, monthly bars, and daily spend trends, all in real time.
Meet Cosmico AI
Your personal AI banker, available 24/7. Ask questions, get spending summaries, and understand your finances like never before.
Cosmico AI
Always online · GPT-4o-mini
Hi! 👋 I've analysed your accounts. You've spent £284 this month — mostly on food & dining. Want some tips to cut back?
Yes please! What's my top merchant this month?
Your top merchant is Tesco at £62 spent. You also have an active Quest to earn £5 cashback there — you're 60% of the way! 🎯
Contextual spending chat
Cosmico AI reads your live transaction data before every response, so answers are always about your real finances, not generic advice.
Personalised AI rewards
GPT-4o-mini analyses your spending patterns and generates tailored merchant challenges. Earn gift cards and cashback for habits you already have.
Spending analysis on demand
Ask "where did my money go last month?" or navigate to Spending Analysis for full Monzo-style charts: doughnuts, bar charts, and trend lines.
Floating widget — always there
Cosmico AI lives in the bottom corner of your dashboard. One click to open, instant answers with no page navigation required.
Earn rewards for spending you already do
GPT-4o-mini studies your real transaction history and builds a personalised Quest Board of merchant challenges. Complete them to win cashback and gift cards.
AI builds your quests
Every challenge is generated fresh by GPT-4o-mini based on your actual spending, not a one-size-fits-all list. Tesco shopper? You get a Tesco quest.
XP progress tracking
Each quest has a live progress bar that fills as you spend. Watch your XP grow toward the reward threshold with no manual tracking needed.
Real prizes, real merchants
Rewards include Amazon vouchers, cashback, and gift cards from brands you actually use. They unlock automatically when you complete a quest.
Fresh quests, always
Complete your board and new AI-generated challenges appear. Your spending habits evolve and your Quest Board evolves with them.
Quest Board
Powered by Cosmico AI
Tesco Challenge
Spend £80 at Tesco this month
£5 cashback
+120 XP
Costa Coffee Run
Visit Costa 5 times this month
Free drink
+80 XP
Cinema Weekend
Spend £20 at Vue Cinema
Getting Started
Up and running in 3 steps
Create your account
Sign up in under two minutes. No paperwork, no branch visits. Just your email and a few details to get started.
Connect your banks
Securely link all your existing bank accounts in seconds using Plaid. Read-only access, zero risk to your money.
Track & transfer
Let Cosmico AI analyse your spending, generate personalised rewards quests, and help you make smarter financial moves every single day.
All in one place
Your complete financial picture
Stop jumping between apps. Cosmico pulls all your accounts, cards, and transactions into a single intelligent dashboard powered by AI insights, so you always know exactly where you stand.
- 💳Multi-bank account aggregation with real-time balances
- 📊Monzo-style Spending Analysis with category charts, monthly bars and daily trends
- 🤖Cosmico AI assistant to chat about your finances and get instant answers
- 🎯AI-generated Quest Board rewards personalised to your spending habits
- ↗️Instant ACH transfers to anyone with no bank charges
- ⚙️Full profile and settings control for tax residency, address and connected banks
Be among the first
to experience it.
Cosmico is launching soon. Create a free account today and get access to AI-powered spending insights, Quest Board rewards, and your personal AI banker. All completely free.
Create Free Account →