Cove
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One account · every currency

Money that lives everywhere you do.

Hold 40+ currencies in one account. Spend at the real exchange rate in 150+ countries. Send money across a border in about ten seconds. Open it from your phone in five minutes.

Open a Free Account See the Real Rate
Download on theApp Store Get it onGoogle Play

Open in five minutes · freeze your card in a tap

40+currencies held in one account
150+countries you can spend in
~10sto send money Cove-to-Cove
0%markup on the real rate
256-bit encryption Freeze in a tap 24/7 support Disposable virtual cards
Spend

The real rate. Everywhere.

Tap to pay in Tokyo, Lisbon or Lagos and you get the live mid-market rate, the one the banks quote each other. No spread is baked in, and the fee line reads $0.00 before you tap.

  • Converts from whichever of your currencies is cheapest
  • Apple Pay & Google Pay from the moment you sign up
  • A notification on every payment, sorted into categories for you
Send

Money there before you finish typing.

Send to another Cove account in any currency and it lands in about ten seconds, at 3am on a Sunday if that is when you need it. Split a dinner, pay a contractor abroad, settle rent across a border.

  • Request, split, and settle in a group with a link
  • Local bank transfers in 30+ countries
  • See the fee and the rate before you hit send
Borderless by default

One tap here. Landed there.

Your money moves the way a message does: across any border, at any hour, in about ten seconds. The rails are the ones the banks use between themselves, so the wait and the markup never reach you.

150+countries reached
~10stypical transfer
0%markup on the rate
Save

Put money aside without thinking about it.

Round up every purchase to the nearest dollar and the change goes into a Vault. Name it, set a target and watch it fill. It sits apart from your spending and comes back in one tap when you want it.

  • Round-ups and scheduled transfers on autopilot
  • A Vault per goal: travel, taxes, a rainy day
  • Move it back to spending instantly, no lock-in
Travel

Land anywhere already local.

Step off the plane and tap. You walk past the airport exchange desk, and the foreign-transaction fee never appears on next month's statement.

  • Fee-free spending abroad on every plan
  • Fee-free ATM withdrawals up to a monthly limit
  • Decline the "pay in your home currency" prompt and keep the real rate
A turquoise coastline photographed from above at golden hour
The card

Weighs like it means it.

The Cove Signature card is machined from a single block of stainless steel, finished in matte graphite with an aqua edge. It looks the way spending at the real rate feels.

  • Numberless front, with the details kept in the app
  • Freeze, unfreeze, and set limits instantly
  • Generate a disposable virtual card for any checkout
The Cove Signature metal card, a matte graphite finish with an aqua edge
Plans

Start free. Upgrade when it pays for itself.

Every plan spends at the real rate abroad. Higher tiers raise your fee-free limits and add metal, insurance, and priority support.

Standard
Everything you need to hold, spend, and send worldwide.
$0/mo
  • 40+ currencies
  • Real-rate spending abroad
  • One virtual card
Start Free
Plus
More cards and higher fee-free limits for regular travellers.
$3.99/mo
  • Everything in Standard
  • 5 virtual cards
  • Higher ATM limits
Choose Plus
Most popular
Premium
Travel insurance, priority support, and a designed metal card.
$9.99/mo
  • Everything in Plus
  • Metal card, graphite finish
  • Travel & purchase cover
Choose Premium
Signature
The full weight: the highest limits and a concierge, for people who live abroad.
$16.99/mo
  • Everything in Premium
  • Unlimited fee-free ATM
  • 24/7 concierge
Choose Signature
Security

Built to be boring about your money.

The exciting part is spending it anywhere. Everything underneath is deliberately, reassuringly dull.

Encrypted end to end

Every balance and transfer is protected with 256-bit encryption. Card numbers are never printed and never shown to anyone but you.

You hold the keys

Freeze a lost card in one tap, approve logins with Face ID, and get an alert on every payment before it clears.

Funds kept separate

Your money is held with regulated partner institutions, apart from Cove's own accounts, so it's there whenever you want it.

Open in Five Minutes

Your whole financial life, in one calm place.

Open it from your phone in five minutes, with no paperwork and no minimum balance. The next country you land in is the first one you spend in at the real rate.

Download on theApp Store Get it onGoogle Play