Now building ยท Australian CDR ยท Free early access

Stop guessing
where it went. Start knowing.

Coyva connects to all your Australian banks and turns your transactions into a clear, honest picture of your finances. No spreadsheets. No manual entry.

100+
AU banks supported
CDR
ACCC regulated
$0
Free for early users
Commonwealth Bank NAB ANZ Westpac Macquarie Up Bank ING Bendigo Bank St George Bank of Melbourne Suncorp HSBC Commonwealth Bank NAB ANZ Westpac Macquarie Up Bank ING Bendigo Bank
// the app

Your money.
Finally clear.

Everything auto-categorised. Every dollar accounted for. One dashboard that actually makes sense.

โšก
Live bank sync
Transactions appear automatically. No imports, no manual entry.
๐Ÿง 
Smart categorisation
Woolworths goes to Groceries. Opal card goes to Transport. Automatically.
๐Ÿ””
Budget alerts
Get notified before you overspend โ€” not after the damage is done.
๐ŸŽฏ
Savings goals
House deposit. Holiday. Emergency fund. Track them all in one place.
coyva.com.au โ€” dashboard
Good morning, Hayden ๐Ÿ‘‹
$1,284.50
Remaining budget ยท March 2026
Income
+$5,800
Expenses
โˆ’$4,516
Spending by category
๐Ÿ›’ Groceries
$432
๐Ÿœ Dining
$221
๐Ÿš— Transport
$185
๐Ÿ’ก Utilities
$145
Recent transactions
๐Ÿ›’
Woolworths
Groceries ยท Today
โˆ’$94.20
๐Ÿ’ฐ
Salary ยท Employer
Income ยท 21 Mar
+$5,800
๐Ÿœ
Guzman y Gomez
Dining ยท 20 Mar
โˆ’$18.90
// how it works

Three minutes.
Total clarity.

Start now โ†’
01 โ€” CONNECT
๐Ÿฆ

Link your bank

Connect any Australian bank account using Consumer Data Right. Works with CBA, NAB, ANZ, Westpac and 100+ more. Takes under 3 minutes.

02 โ€” ANALYSE
โšก

Coyva does the work

Your transactions are automatically imported, categorised and organised. Woolworths โ†’ Groceries. Netflix โ†’ Entertainment. No setup required.

03 โ€” KNOW
๐Ÿ“Š

See the full picture

Track budgets in real-time. Get alerts before you overspend. Watch savings goals grow. Understand your money like never before.

// security & privacy

Your data.
Your rules.

๐Ÿ›ก๏ธ

Powered by Australian CDR

Coyva uses the Consumer Data Right framework โ€” Australia's government-regulated open banking standard. Your bank credentials are never shared with us. Ever.

ACCC regulated
OAIC compliant
Read-only access
Bank-grade security
๐Ÿ”
Zero credential sharing
You authenticate directly with your bank. Coyva only receives a secure, read-only token. We never see your banking password.
256-bit encryption
Australian Privacy Principles
โœ‹

Revoke anytime

Withdraw consent through your bank or through Coyva. Your data is deleted within 2 business days. No questions asked.

๐Ÿšซ

Never sold

Your financial data is yours. We don't sell it, share it with advertisers, or use it for anything beyond showing you your own money.