# Athena Money — Own more. Owe less.

> Integrated spending account and home loan management with rewards. (iPhone/iPad app by Athena AI Holdings Inc.)

- Source: https://appshunter.io/ios/app/athena-money/id6770807471 (this page in markdown: same URL + `.md`)
- Developer: [Athena AI Holdings Inc](https://appshunter.io/developer/1896764128)
- Category: Finance, Productivity
- Price: Free
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 38 MB
- Languages: American English
- Released: 2026-09-11
- Data updated: 2026-10-02
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/athena-money/id6770807471/reviews.md

## What is Athena Money?

Everyday banking, built around the biggest thing you own — your home.

Athena is a financial technology company, not a bank. Banking services
are provided by Grasshopper Bank, N.A.; Member FDIC.

Athena pairs a full-featured spending account with your home loan, so your
money and your mortgage finally live in one place. Spend from Athena Cash
with a Visa® debit card, watch your balance, rate, and equity side by side,
and — when you qualify — earn a monthly cash reward for banking where your
home loan lives.

The Athena app puts all of it in your pocket. Check your balance and see
every transaction the moment it posts. Send money to anyone, deposit a check
with your camera, and switch your direct deposit in minutes. Freeze your
card in a tap if it goes missing, and confirm anything sensitive with Face
ID. When your mortgage payment is due, you'll see it coming — right next to
the money that pays it.

App Features:

- Athena Cash spending account with a Visa® debit card
- Add your card to Apple Wallet
- Freeze and unfreeze your card in a tap
- Change your card PIN securely in the app
- Send money to people you know
- Request money from people who owe you
- Pay bills — by bank transfer or mailed check
- Deposit checks with your camera
- Transfer money to and from your other banks
- Switch your direct deposit in minutes
- See your home loan: balance, rate, equity, and next payment
- Earn a monthly cash Member Reward — when you qualify (see Member Reward
  terms in the app)
- Track sends live on your Lock Screen and Dynamic Island
- Sign in with passkeys — no passwords to steal
- Face ID confirmation on every sensitive action
- Real-time activity with running balances
- Statements, secure messages, and support in the app

Athena is a financial technology company, not a bank. Banking services are
provided by Grasshopper Bank, N.A., Member FDIC. Deposits are FDIC-insured
up to $250,000 per depositor, for each account ownership category, through
Grasshopper Bank, N.A. The Member Reward is a promotional reward and is not
a deposit product or interest. Athena AI Holdings Inc. · NMLS #2771910 ·
Equal Housing Lender. Mortgage products subject to credit approval.

## Key features

- Athena Cash spending account
- Visa debit card
- Home loan tracking
- Monthly cash rewards
- Secure sign-in with Face ID
- Direct deposit switching
- Check deposit via camera

## Is Athena Money safe?

Not enough ratings yet to assess Athena Money.

## Is Athena Money legit?

Athena Money has limited verification signals. The AppsHunter Legitimacy Score for Athena Money is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/athena-money/id6770807471/reviews.md

### 5/5 — So simple, so fast!

*2026-09-14*

I love how tech enabled this app is! From onboarding to logging in to connecting accounts - you can see the technology at work to make navigation and moving money easy to use. Finally, technology helping people manage money!

## Frequently asked questions about Athena Money

### Does Athena Money have ads?

Yes, Athena Money contains advertisements. As a free service, ads are displayed to support its operation.

### What is the rating for Athena Money?

Athena Money has a high rating of 5.0 stars based on 2 user reviews.

### Is Athena Money free to use?

Yes, Athena Money is available for free. The app is supported by advertisements.

### What devices support Athena Money?

Athena Money is currently supported on iPhone devices.

### How secure is Athena Money?

Athena Money prioritizes security with features like Face ID confirmation for sensitive actions and passkey sign-in, eliminating the need for passwords.

### What is the age rating for Athena Money?

Athena Money has an age rating of 4+, making it suitable for a wide range of users.

### How often is Athena Money updated?

The latest version of Athena Money is 1.0.4, and it was last updated on September 24, 2026. This indicates a recent update cycle.

### Can I link my other bank accounts to Athena Money?

Yes, you can transfer money to and from your other banks within the Athena Money app.

## Version history (last 5 releases)

### 1.0.4 — 2026-09-24

• Passkey setup is now one screen and one prompt. Sign in with Face ID, no password.
• Set a PIN when you activate an Athena Card, so it works at ATMs and PIN terminals right away.
• When a contact has more than one phone number, Athena asks which number to use for Send and Request.
• Messages and notifications now sit in the header on Move and Cards, not just Home, with unread badges that follow you across tabs.
• The direct deposit row on Move stays tappable after you switch, so you can update how your paycheck is split any time.
• The Referral Bonus is now stated as available to members with an Athena mortgage. Full terms are in Membership & Rewards and the Notice of Financial Incentive.

### 1.0.3 — 2026-09-17

Fixes and improvements

• Fixed a problem where setting up your account could stop
  responding after you saved your passkey. If you got stuck on
  this screen, you can now retry without force-quitting.

### 1.0.2 — 2026-09-16

- Full support for larger text sizes and VoiceOver throughout the app
- Labeled fields on the account-opening form
- Clearer wording when saving a Send Money recipient
- Small fixes and improvements

### 1.0.1 — 2026-09-14

This update brings fixes and refinements from your feedback since launch.

• Face ID now unlocks the app automatically when you return to it, with no extra tap.
• Fixed the filter rows on Activity and Athena Cash, which could scroll the wrong way or interfere with the list beneath them.
• Legal documents, agreements, and disclosures now load directly from our servers, so your terms are always current and every disclosure opens correctly.
• Updated the Membership and Rewards terms.
• Improved contrast on the FDIC and NMLS disclosure footer for easier reading.
• Clearer labels in Settings and on the Move tab, and a simpler greeting on Home.

### 1.0 — 2026-09-12

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-02.*