For people who bank with more than one bank
All your banks. One calm balance.
Stop juggling a handful of banking apps. Cove brings every account — across every bank you use — into one clear view, so you can finally see where you really stand.
Free for 7 days, then $9.99/month · Read-only Open Banking · No ads
Sound familiar?
Money in lots of places is hard to hold in your head.
Most of us end up with accounts at more than one bank — for a better rate, a joint account, an old card we never closed. The trouble is no single app was ever built to show it all at once.
- A different app for every bank
- The mortgage at one bank, everyday spending at another, savings somewhere else again — and a separate login for each. Checking where you stand means opening four apps and doing the maths in your head.
- No single, honest total
- No one screen shows what you actually have. Cash here, a card balance there, a loan you try not to think about — never added up in one place.
- Transfers look like spending
- Move money from one bank to another and each app counts it on its own — a big "expense" on one side, mystery income on the other. Your real spending gets lost in the noise.
- Savings scattered everywhere
- An offset here, a high-interest saver there, a buffer in the old account you keep meaning to close. Hard to tell what is truly spare when it is spread across institutions.
From many apps to one
Bring every bank together in three steps
- Connect each bank once
- Link every account through read-only Open Banking — you approve each connection inside your own bank. Cove never sees your banking password and can never move a cent. Add as many banks as you like.
- Everything lands in one place
- Balances and transactions from every connected bank flow in automatically and stay in sync. Your whole financial picture, finally on one screen.
- Cove makes sense of it
- Transactions are categorised as they arrive, transfers between your own banks are matched so they stop looking like spending, and your real net worth is kept up to date.
What one bank app can’t do
The view you only get when everything is in one place.
- Your real net worth
- Cash, savings, cards, loans and a mortgage across every bank, added up into one number — assets minus what you owe — and tracked over time.
- Available cash, everywhere
- See the spendable cash you have across all your banks at once. Toggle individual accounts in or out, so a locked-away buffer never inflates the total.
- Transfers matched automatically
- Send money from your Westpac account to your Up account and Cove recognises both sides as the same transfer — so it never counts as spending or income.
- Spending categorised across banks
- Every transaction from every account is sorted into one consistent set of categories — so "groceries" means groceries, whether you tapped a CBA card or an ANZ one.
- Budgets that span every account
- Set a budget once and Cove counts spending toward it from all your connected banks together — not one limit per app.
- Every account type, side by side
- Everyday accounts, savers, credit cards, offsets, loans and mortgages — grouped clearly so the whole picture reads at a glance.
Connecting several banks, safely
More connections, not more risk.
Every bank you link uses the same regulated, read-only rails. Connecting your fifth bank is exactly as safe as connecting your first. Is Open Banking safe?
- You never share a password
- Connections run through the Consumer Data Right — Australia’s regulated Open Banking. You approve each one inside your own bank; Cove never asks for your banking login.
- Strictly read-only
- Cove can see balances and transactions to show them back to you. It can never move, send or touch your money — there is simply no ability to.
- You stay in control
- Connect as many banks as you like and disconnect any of them whenever you want. Bank data is accessed via Fiskil, an ACCC-accredited data recipient.
Good to know
Multiple banks, answered
How many banks can I connect?
As many as you need. Cove is built for people whose money is spread across several institutions — link your everyday bank, your savings bank, your card providers and your home loan, and see them all together.
Which banks does Cove work with?
Every major Australian bank — Commonwealth Bank, Westpac, ANZ, NAB and Macquarie — plus digital banks like Up and ING and more than 100 mutuals, credit unions and card providers, through the Consumer Data Right.
Is it safe to connect more than one bank?
Yes. Each connection uses read-only Open Banking under the Consumer Data Right, so you approve it inside your own bank and never hand Cove a password. Cove can only ever read your data — it cannot move money — and you can disconnect any bank at any time.
Will connecting my banks let Cove move my money?
No. The connection is read-only. Cove receives balances and transactions to display them to you and can never make a payment, transfer or any change to your accounts.
How does Cove handle money I move between my own banks?
It matches them. When a transfer leaves one of your connected accounts and arrives in another, Cove pairs the two sides and marks them as a transfer — so moving your own money never shows up as spending or income.
What does it cost?
One quiet subscription covers everything, no matter how many banks you connect: 7 days free, then $9.99 AUD per month, cancel anytime. No ads, ever.
See every bank in one calm place.
Connect your banks in a few taps and watch your whole financial picture come together — finally on one screen.
Works with
+ 100 moreFree for 7 days, then $9.99/month · No ads · Cancel anytime