Cogni - Mobile Banking Reviews

Cogni - Mobile Banking Reviews

Published by on 2021-08-25

Welcome to the Future of Banking. Cogni the people-driven digital banking app
designed with YOU in mind. We have created a secure digital banking platform
that provides easy access without charging any unnecessary or hidden fees.
Deposit your money, spend and track your money and make p...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

Cogni - Mobile Banking Reviews

  • By

    Best online banking app out there!

    I have used a local credit union as my main bank for 8 years and I have made the switch to Cogni. I love the in app money sharing it's like venmo on steroids. I also love the customer service you get when signing up with this company. They always have an answer to my questions. It took Just about 5 days for my funds to transfer the first time, but customer service answered every call. Was nervous at first but all is well and I love it. Switching my direct deposit over to Cogni along with a few co-workers. Cool App and great cards!

  • By

    My first mobile bank!

    Applied for a checking account at Capital One - took me over an hour at the branch. Applied for a Cogni account on my phone, took me 3 minutes while still in my PJ 😍 Cogni doesn’t offer as many features as the other big banks yet, but I can see that they’re updating the app frequently BASED ON USER FEEDBACK!! 👏👏👏 it’s super easy to use and it doesn’t use complicated language to confuse you .... Also, I just ❤️ the Single Use card feature. Looking forward to more awesome features!

  • By

    I’m trapped and it’s Cognis fault

    Wow where can I begin. I opened an account and transferred all my money (which was over $2000) into this account. Come to find out, they locked my account for up to 7 business days due to “unusual activity” when the only activity on the account has been the initial transfer to find the account. So I call, and they tell me I’m screwed and I don’t have access to any money for a week - oh, and they have no idea what will happen to the direct deposit from work that is supposed to hit the account in two days. So thanks for making me default on some bills and conning me into this while y’all are unwilling to help. As soon as this *hit show is done, I’ll take all the money and transfer it back into Chase and close this account because this is A JOKE

  • By

    Pleasantly Surprised

    Heard about this no fee banking app from a friend. So far, so good. A couple of neat features that my other bank accounts don’t offer, like digital cards that expire after you use them for a piece of mind and my friend can send me money which instantly reflects on my balance so I don’t have to go through the hassle of venmo. I even submitted feedback on the app, and someone actually acknowledged it. I could consider this as a primary account once some additional features get added.

  • By

    My first digital bank!

    Quick and easy application process. I was approved in less than 5 minutes. The app is easy to use and has a clean interface. The ability to freeze card and generate single use cards, within the app, are great features for online shopping and subscriptions. I can easily load and transfer money to and from the account. Cogni Pay to my friends is also fast and easy. Free ATM withdrawals from Allpoint locations is an added bonus!

  • By

    Banking app

    In addition to how user friendly this application is- the sleek and modern design is quite the twist on the common banking app. It’s apparent that Cogni is focused on maintaining an up to date application by implementing features as developments are constantly being made in the space. With the shift in our world that is e-commerce there is a focus on technical competencies that are both easy to use and easily accessible, while staying current. Cogni nailed it.

  • By

    Smooth experience and user friendly bank!

    I would recommend using Cogni, so far my experience has been wonderful! I love the one time used card feature, which protects me from online fraud transaction. I would love to see more features being developed. If you haven’t opened an account, I highly recommend you to try Cogni! You will not be disappointed 🙂

  • By

    Great new way to bank!

    Cogni is my new favorite way to bank. I moved cash easily in and out from another bank, as well as transferred $ to other Cogni users instantly. Physical card has NFC (tap to pay), and is nicely designed. Intuitive app shows you atm locations of where to withdraw/deposit cash for free. Overall, well designed and my new way to pay and manage my $!

  • By

    Better than a regular bank

    I like using Cogni because it's fair. There are no fees at all! When you happened to have not enough money on your card and you try to pay with it, what do expect? A declined transaction, and certainly not an overdraft fee like in Bank of America or Chase. Thanks to Cogni, I'm not worried anymore of being charged unreasonable fees. And by the way, the app is great 😊

  • By

    Best FinTech app on the market

    I love this app. The single use cards are the best feature. Any time I go to a new online or offline merchant now, I generate a single use card instead of using my usual credit card. I think this reduces the risk of compromising my account details should a merchant’s site gets hacked. Only wish Cogni has automatic replenishment for the account.

  • By

    All I really needed for college

    I’m trying to be financially cards aren’t my schtick right now. I was shopping around for a simple app where I can manage my money, shop online every now and then 💁🏻‍♀️ and have no fees. Check check check! This app is exactly what I need and the pretty debit card doesn’t hurt 😍

  • By

    Works perfectly as advertised

    With Corona, it was great to get an account and electronic card in less than 5 minutes. Real customer service answered my call without a big call center voice prompt feel. Looking forward to see more features come out as the company grows.

  • By


    I’ve wanted to switch to a mobile bank for awhile but I hadn’t found the right one until I found Cogni! Their app is so easy to use and it has some awesome features that I didn’t have with my old bank. 10/10 recommend anyone who’s looking to switch up their banking switch to Cogni!

  • By

    Helpful banking application for college student

    My Cogni Card has been of excellent and convenient use thus far, and I am looking forward to the innovative services that will be implemented in the future! As a college student I find this application to be especially helpful. It seems like it is a great demographic for the Cogni banking app.

  • By

    Cogni is the future

    I come from a time where even logging into my account is a nightmare, and it takes 5 business day to get an account. I’m happy to say that with Cogni I got an account asap! I’m glad I got a chance to experience smooth and efficient account opening process. On my phone!!!

A better way to Contact apps

You can now contact Cogni - Mobile Banking customer service directly
via Email using our new site -

Contact Cogni - Mobile Banking directly

Is Cogni - Mobile Banking Safe?

Yes. Cogni - Mobile Banking is very safe to use. This is based on our NLP (Natural language processing) analysis of over 638 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.8/5 . Justuseapp Safety Score for Cogni - Mobile Banking Is 50.6/100.

Is Cogni - Mobile Banking Legit?

Yes. Cogni - Mobile Banking is a totally legit app. This conclusion was arrived at by running over 638 Cogni - Mobile Banking User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Cogni - Mobile Banking Is 50.6/100.

Is Cogni - Mobile Banking not working?

Cogni - Mobile Banking works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Reported Issues: 4 Comments

By Frank spears
Apr 30 2021

Cogni is a bunch of thieves, like Disney boii they stole all my money, if you trust them with your money they’ll steel your money to, and they treat me like I’m the thief.

By Jeanette Klingle
Dec 05 2020

Was trying to set up accou now its got me paying you 500. And some dollars through PayPal. I thought this was free to set up a basic account. Sincerely [email protected]

By Angie Kelley
Sep 18 2020

Does cogni get paid early

By Nicole
Aug 23 2020

Does Congi have early direct deposit? Do you receive your money 2days early? Really interested in knowing about the direct deposit,please if someone could message me back that would be great.
Thanks Nicole M.

Have a Problem with Cogni - Mobile Banking? Report Issue

Leave a comment:

Why should I report an Issue with Cogni - Mobile Banking?

  1. Pulling issues faced by users like you is a good way to draw attention of Cogni - Mobile Banking to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Cogni - Mobile Banking customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Cogni - Mobile Banking.

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