# Cogni Multi-Chain Wallet — user reviews > 94 indexed App Store user reviews of Cogni Multi by COGNI, INCORPORATED, rated 4.73/5 from 1,421 ratings. - Source: https://appshunter.io/ios/app/cogni-multi-chain-wallet/id1483957512/reviews - App overview in markdown: https://appshunter.io/ios/app/cogni-multi-chain-wallet/id1483957512.md - Rating breakdown: 5★ 1,255 · 4★ 78 · 3★ 20 · 2★ 9 · 1★ 60 ## What do users think of Cogni Multi? Overall sentiment: negative **Pros** - 🚀 Smooth onboarding - 👍 User-friendly app - 🔒 Secure features like single-use cards - 💡 Innovative banking services - 🤩 Great customer service **Cons** - 🐛 Buggy app and login issues - ⏱️ Slow deposit and transfer times - 🤔 Limited functionality compared to traditional banks - 🤯 Unreliable account access and funds availability - 🙄 Poor communication and unresponsive support **Commonly reported bugs** - Accounts being closed without explanation - Inability to access funds or make transactions - Persistent login and onboarding issues - Delayed or missing direct deposit payments **Most requested features** - Savings account option - Faster deposit and transfer processing - Improved customer support and communication - Expanded feature set to match traditional banks ## Newest reviews (11 of 94) ### 3/5 — BUY/SELL *2024-11-30, version 3.6.5* My question is very rare When is the Cogni multi-chain wallet giving its users option to link cards to buy crypto currency in the Cogni app ? Since the banking is no more working and now it’s been tuned into a Chain wallet ### 2/5 — Disappointed *2024-06-27* The app feels simplistic and boring. I feel like the app was created 10 years ago. I’m giving 2 stars because Cogni ran a referral bonus promotion, and they haven’t delivered on what the promotion offered. I was supposed to receive $5 for opening the account and $5 per referral. After weeks of waiting, many phone calls to support and unanswered emails, I still haven’t received the promotional funds. Support says “there is an IT ticket” with my name on a very long list of others, who also haven’t received the promo funds. Do better Cogni, I’m embarrassed I referred anyone at all. ### 2/5 — Not satisfied *2024-06-02, version 3.5.1* Update the card info for members and maybe I’ll give more of a favorable review ### 4/5 — I love it but bummed the card doesn't look like the photo *2024-05-28* I love it they are a modern and better bank that lets you add your crypto wallet or make your own one. Everything is wonderful. But I'm very disappointed the Debit card doesn't look like the one on the app store photo it looks like a debit card for a child. But it's just a card so whatever works. ### 1/5 — Definetly not the future of Banking *2023-11-29, version 3.4.4* Im only giving a 1 because that's the lowest I can go.Ever since day one I've had problems here first started when I switched my telephone number it took them two weeks just to get things set back up for me.Then I had a merchant dispute theyTell me they can't help because it's not a fraud charge.Which I don't think their manager knew what he was talking about at all but I've come to find that out because all he does is tell people lies anyways and doesn't ever contact you back when he says he's gonna. it's been over two months and my disputes aren't resolvedAnd all I get is run around every day,Some new lame excuse.If I was anybody just to let you know I've only been here three months not even. I would save yourself the headache.I've never been treated so poorly by any bank ever ### 1/5 — delete the carbon footprint feature *2023-09-11, version 3.4.0* this app is woke and tries to track your carbon footprint like all the big tech companies. i suggest boycotting like we did to target and bud light ### 1/5 — Awful *2023-06-05, version 3.3.1* I can’t even get past the account registration page. It won’t even allow me to take a photo or scan my ID barcode. Don’t waste your time ### 1/5 — Don’t set up Direct Deposit *2023-06-01, version 3.3.1* AVOID THIS APP!! Warning, do not sign up and definitely do not set up any direct deposit! They trick you..! ### 4/5 — I’m new *2023-04-01, version 3.2.6* So far I’m new n it seems like everything’s okay! But once I know anything else about this, I’ll make a new review! ### 1/5 — Admin *2023-03-20, version 3.2.4* This bank is garbage now that they can’t deal with my problem they keep hanging up on me the admin swears he called me but he never did this is the worst hospitality worst bank service I’ve ever had I can’t access my money I have kids ### 1/5 — Good idea, bad execution *2023-03-14, version 3.2.3* It’s could have been almost as good as Revolut which I use extensively in EU but the app is extremely buggy: can’t add virtual card to Apple Pay - “something went wrong”, can’t deposit money from my checking account through plaid - “something went wrong”. So basically the app is useless for me. ## Most critical reviews (10 lowest-rated) ### 1/5 — Broken *2025-06-16, version 3.6.5* App “can’t find the Internet” pretty sure this whole business is shut down… ### 1/5 — Worthless and defunct *2024-11-30, version 3.6.5* Open the app to find…nothing. No way to transfer in or out. Zendesk has closed their account. Beware. ### 1/5 — WHERE IS MY MONEY?! *2024-09-24* I DO NOT, I REPEAT I DO NOT RECOMMEND THINK SO CALL BANKING APP. I made a deposit into this COGNI bank account and the next day it updated and now my money is gone! VANISHED. I called the customer support and check my balance it states that my money is still there but every time I swipe my card it declines and it shows $0 in my account on the app. I have sent 10 emails so far no one has reached out me about this problem. DO NOT get this app. I HAVE 4 more stories like this. I have reported this to police and made a scam report. People do not work hard everyday for there money to be stolen. ### 1/5 — Just trash *2024-09-23, version 3.6.1* Trash ### 1/5 — There isn't even an option to create an account *2024-09-06, version 3.5.8* Can't create an account. What a joke ### 1/5 — Not good to have *2024-09-06, version 3.5.8* You can never get in touch with no one. They customer service skills are horrible, they don’t support they customer also did I say you can never reach an agent by phone only email and it take hours sometimes days for a response I wouldn’t recommend this company to my dog if he needed an account ### 1/5 — Scam / Stole my money *2024-07-24, version 3.5.4* Deposited 6k into my account, account closed for “suspicious activity”. Was told a check was on its way , waited 30 business days only to not receive anything. Was told a 2nd check has been issued and nothing ever came. They stopped replying to my emails and are useless over the phone with their endless lies, been 6 months now and I have yet to receive my money back from Cogni, i’ll be filing a BBB claim soon here. Worst bank to exist with the poorest customer service. Total scam. ### 1/5 — Onboarding is atrocious *2024-04-17, version 3.4.9* User name and password alone don’t work along w sms. The id scan isn’t useful either needed to update address. ### 1/5 — Login Issues *2024-03-06, version 3.4.7* When you change your number one time you start to go through login issues and they will take a whole month or two to help you out dont download a very horrible banking app of I could give it no stars I would. ### 1/5 — they Never opened my account *2024-01-27* Took all my information and said they will review it to open my account in the next few days. ONE MONTH LATER and I still have the same message. When I called them I got no response after submitting ALL my personal information. Feels pretty suspicious after taking all my personal information to open an account and no response from them or anything just a bunch of Spam emails for there bank. ## Most praised reviews (10 highest-rated) ### 5/5 — i like this bank *2024-06-27, version 3.5.3* good bank ### 5/5 — Beginning review *2023-07-16, version 3.3.7* So far so great inthe beginning it was congi ### 5/5 — Fascinating! *2023-06-28, version 3.3.5* Very cool and different from all other previous bank experiences!! Highly recommend!! ### 5/5 — Love the app *2023-06-27, version 3.3.5* Love the usability.. ### 5/5 — Amazing *2023-06-26, version 3.3.3* Love it!!! ### 5/5 — I loooooove it!!!! *2023-06-12, version 3.3.3* The best banking app!!! ### 5/5 — Absolutely wonderful *2023-05-17, version 3.2.9* Absolutely wonderful customer service ### 5/5 — 🤩By Far 🤩 *2023-03-18, version 3.2.4* I love Cogni, and everyday they show it back… I’m a forever client, member, and user of Cogni. ### 5/5 — Love the app *2022-12-21, version 3.0.0* Great user experience ### 5/5 — Awesome *2022-04-13, version 2.2.5* Reallly like using them. I have had no issues. The bank is really cool. The app is easey to use. --- *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 2026-06-10.*