Your bank login stays yours

No bank login, ever

Money Cove uses the figures you enter or import. It does not connect to your bank or ask for your bank password.

Records encrypted before storage

Personal financial records and shared-budget entries are encrypted in the application before they are stored in the database. Secure HTTPS protects connections. Your sign-in account and billing information are handled separately by their providers.

A second layer for your login

Enable two-factor authentication in Settings and keep your recovery codes somewhere safe.

Control your records

Export your data or delete your account at any time, on every plan. Financial information is never sold. Money Cove has no advertising. Only entries deliberately added to a shared budget are shared with your partner.

Employers using Teams see seat counts only. They cannot see personal balances, transactions, goals or household budgets.

Clear about our limits

No online service can promise zero risk. We only display certification and UK storage statements after their evidence and provider arrangements have been verified.