# Cove - Gamified Finance — The fun finance app > Gamified finance app for saving, investing, and earning APY with a visual island-building experience. (iPhone/iPad app by Eden Financial Technologies Incorporated.) - Source: https://appshunter.io/ios/app/cove-gamified-finance/id1589645033 (this page in markdown: same URL + `.md`) - Developer: [Eden Financial Technologies Incorporated](https://appshunter.io/developer/1513286970) - Category: Finance, Games, Casual - Price: Free with in-app purchases - Rating: 4.79/5 from 168 App Store ratings · 32 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 443 MB - Languages: English - Released: 2022-08-25 - Data updated: 2026-08-25 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cove-gamified-finance/id1589645033/reviews.md ## What is Cove? Turn saving and investing into a fun, visual, and rewarding experience. Build your island, unlock new biomes, stash your savings, invest with insight, and earn 3.30% APY* all while you’re playing, not stressing. Plus, your cash is protected with FDIC insurance up to $1 million**, and your investments are SIPC insured up to $500,000. Invest with Insights Start investing with simple, beginner-friendly tools. Personalized stock insights help you make thoughtful decisions so you can grow your island and collect decorations with confidence. A small 0.8% annual fee applies only to invested assets, so you can grow your portfolio without hidden costs. Investments are SIPC insured up to $500,000, keeping your assets protected. Feel the Joy of Spending While You Save Stash your money into vibrant decorations. Each stash helps you build your savings, giving you instant gratification for every step toward your goals. Earn APY See how your savings can grow with a base APY of 3.30%, giving your money a boost without the effort. Your uninvested cash is FDIC insured up to $1 million** for added security. Upgrade Island Life with Cove Premium Cove Premium puts you at the highest APY tier, waives the advisory fee on invested assets, and unlocks an exclusive island biome. You’ll also receive free in game perks each month to improve your life on Cove and give you a boost to reach your real-life financial goals. Compete and Connect Climb the leaderboards, win the Island of the Week, and join a community of Covelings who are redefining what it means to manage money. Join Thousands of Covelings Ditch boring financial tools and start enjoying the process of building your future. Download Cove for free today and start building your island! Disclosures Eden Financial Technologies Incorporated (“Cove”) is not a bank. Cove is a financial technology company and an SEC-registered Investment Adviser. Registration does not imply a certain level of skill or training. Banking services for legacy Cove accounts are provided by Evolve Bank & Trust, Member FDIC. Banking services for new Cove accounts are provided by Alpaca Securities LLC. *The APY displayed represents the minimum rate available to customers enrolled in the cash sweep program. This APY is subject to change at any time without notice and is not guaranteed. The APY is generated from uninvested cash held in a brokerage account through a sweep program, which is not a traditional savings account. More information can be found in the Alpaca Customer Agreement. * & ** Cash Sweep Program Uninvested cash is swept to one or more FDIC-insured program banks through our partner broker-dealer, Alpaca Securities LLC. Each program bank provides FDIC insurance up to $250,000 per depositor, allowing up to $1,000,000 in combined FDIC coverage if your cash is spread across four partner banks. FDIC insurance does not cover any securities or other investments. More information can be found in the Alpaca Customer Agreement. ** Investments & SIPC Insurance Brokerage services are provided by Alpaca, a registered broker-dealer and member FINRA/SIPC. Investments held in your Cove brokerage account are SIPC protected up to $500,000 (including up to $250,000 for cash). SIPC does not protect against losses due to market fluctuations. More information can be found in the Alpaca Customer Agreement. Investment advice is provided by Eden Financial Technologies Incorporated DBA Cove. Eden Financial Technologies Incorporated DBA Cove is an SEC-registered investment adviser. Investment advice is provided by Cove and investments in your Cove account are not FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Alpaca Securities LLC serves as the qualified custodian for Eden Financial Technologies Incorporated DBA Cove. Alpaca Securities LLC is a member of FINRA and SIPC. Terms of Service: https://www.usecove.com/legal/terms-of-service Privacy Policy: https://www.usecove.com/legal/privacy-policy ## Key features - Gamified saving and investing - Build and customize a virtual island - Earn 3.30% APY on savings - Beginner-friendly investment tools - Personalized stock insights - FDIC and SIPC insured funds ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Cove Premium | $9.99 | per month | | Cove Premium (Yearly) | $99.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 30 Banana Bread | $2.99 | one-time | | 190 Banana Bread | $14.99 | one-time | | 450 Banana Bread | $29.99 | one-time | | 1 Streak Saver | $2.99 | one-time | | Streak Saver Tier 3 | $11.99 | one-time | | Streak Saver Tier 1 | $1.99 | one-time | | Bananas Tier 1 | $0.99 | one-time | | Bananas Tier 3 | $14.99 | one-time | | Banana Bread Tier 1 | $2.99 | one-time | | Banana Bread Tier 2 | $9.99 | one-time | | Bananas Tier 2 | $4.99 | one-time | | Island Biome Tier 1 | $1.99 | one-time | | Island Biome Tier 3 | $9.99 | one-time | | Island Biome Tier 2 | $4.99 | one-time | ## Recent user reviews (10 of 32) All indexed reviews: https://appshunter.io/ios/app/cove-gamified-finance/id1589645033/reviews.md ### 1/5 — Can’t open app *2026-03-28, version 7.4.6* I signed up and gave all my info, but I can’t get back the loading screen. Now I’m worried that this app is spyware or used for data collection. I just wanted to rewrite my brain to have good money habits… ### 5/5 — Awesome support *2026-03-11, version 7.4.6* The support staff is very fast to respond and very descriptive with any instructions to avoid confusion! Love the idea of this app as I’m a compulsive spender and this gives me something to “buy” while I’m actually saving! ### 3/5 — Can’t do anything with the app yet. *2026-01-22* ~~~~~ Workin with some issues. Creators are helpful. They do respond. **Developer response:** Hi Mikey, thanks for your interest in Cove! My cofounder has reached out to you to help with your identity verification questions - unfortunately there is nothing we can do from our end to push accounts through review without proper ID verification for legal reasons, I'm sure you can understand. We are here to help however we can and hope to see you building out your island soon :) - David ### 1/5 — Can’t do anything with the app. *2026-01-17* I figured this would be a fun way to save money. My account has been in review for the whole time I’ve had the thing and I’ve emailed support twice. I just wanna save some money and have fun doing it. **Developer response:** Hi Mikey, thanks for your interest in Cove! My cofounder has reached out to you to help with your identity verification questions - unfortunately there is nothing we can do from our end to push accounts through review without proper ID verification for legal reasons, I'm sure you can understand. We are here to help however we can and hope to see you building out your island soon :) - David ### 4/5 — Fun, but… *2026-01-12, version 7.3.1* I love the app, makes saving and investing fun. The only thing I dislike is how long it takes for the money to deposit into your account. Sometimes it takes 2-3 days for it to deposit. ### 5/5 — Makes saving addictive *2026-01-10, version 7.3.1* I downloaded the app about 2 weeks ago and i’ve already saved a generous chunk without even realizing with the reoccurring deposit feature, it makes saving fun while at the same time allowing you to invest in etfs from $SLV to starting your own $QQQ fund in game. I joined the discord and the devs are extremely helpful and listen to the community about feedback. Im extremely excited for the future of this app! Great people with great principles ### 5/5 — best app ever *2026-01-09, version 7.3.0* i have a hard time saving money but this app makes it easy! i love it and its so fun and productive! highly recommend for any age! :) ### 4/5 — Just started *2026-01-02, version 7.2.0* Just put $1,000 in can’t hurt. Looks very new and interesting still I have seen this pop up about 3 years ago and I like how it has that “tap zoo” feel to it. ### 5/5 — The best way to invest! *2025-12-22, version 7.2.0* An entertaining, practical, and quick way to invest ### 5/5 — fun money *2025-12-20, version 7.2.0* American youth, teens, and even adults are hopelessly deficient in financial education, and this app has provided me an effective means of providing my students a platform for learning sound investment fundamentals in a way that sets them up for future success by sublimating their video game addiction into productive investment activity ## Frequently asked questions about Cove ### What does Cove do? Cove transforms saving and investing into a fun, visual, and rewarding experience. Users build and customize a virtual island, stash savings, and invest with guided insights. The app aims to make financial management less stressful and more enjoyable. ### What are the key features of Cove? Key features include gamified saving and investing, the ability to build and customize a virtual island, earning a base APY of 3.30% on savings, beginner-friendly investment tools with personalized stock insights, and protection for funds through FDIC and SIPC insurance. ### How much does Cove cost? The app is free to download and use, with in-app purchases available for premium features. A small 0.8% annual fee applies only to invested assets. Cove Premium offers additional benefits like a higher APY tier and waived advisory fees. ### Is my money safe with Cove? Yes, your cash is protected with FDIC insurance up to $1 million, and your investments are SIPC insured up to $500,000. Uninvested cash is swept to FDIC-insured program banks. FDIC insurance does not cover securities or other investments. ### Who is Cove for? Cove is designed for individuals who want to make managing their finances more engaging and less intimidating. It's particularly suited for those new to saving and investing, or anyone looking for a more enjoyable alternative to traditional financial tools. ## Version history (last 5 releases) ### 7.7.9 — 2026-06-10 New Space Sector ETF Fences and Walls Day and Night Cycles New Decoration Lighting Banana Dome Farm ### 7.7.7 — 2026-06-06 Fences and Walls Day and Night Cycles Banana Dome Farm ### 7.6.3 — 2026-05-15 - Cove Wrapped: A year-in-review experience on the Pier. Watch your account growth, profits, deposits, and dividends play out across shareable cards - Goals: A new section on the Quest Board for savings and investing milestones. Hit a goal, earn a reward crate - Lessons & Quizzes: Bite-sized lessons on saving, investing, and the markets. Pass the quiz, earn a crate - Referral Tokens & the Token Shop: Invite friends to earn referral tokens. Spend them in the new Token Shop on rewards - Stash Coupons: A new currency that drops from crates. Use them at the shop for stashing discounts ### 7.6.1 — 2026-05-13 - Cove Wrapped: A year-in-review experience on the Pier. Watch your account growth, profits, deposits, and dividends play out across shareable cards - Goals: A new section on the Quest Board for savings and investing milestones. Hit a goal, earn a reward crate - Lessons & Quizzes: Bite-sized lessons on saving, investing, and the markets. Pass the quiz, earn a crate - Referral Tokens & the Token Shop: Invite friends to earn referral tokens. Spend them in the new Token Shop on rewards -Stash Coupons: A new currency that drops from crates. Use them at the shop for stashing discounts ### 7.5.1 — 2026-04-06 - New Island Biomes - New Decorations - Lots of bug fixes and improvements ## Apps similar to Cove | App | Rating | Price | Category | | --- | --- | --- | --- | | [GWOP – Sell your content](https://appshunter.io/ios/app/gwop-sell-your-content/id6475763478) | 4.1 (55) | Free | Finance | | [Renalta: Earn 6% APY](https://appshunter.io/ios/app/renalta-earn-6-apy/id6744462410) | 4.6 (162) | Free | Finance | | [Memelut: Watch & Earn](https://appshunter.io/ios/app/memelut-watch-and-earn/id6569243953) | 4.6 (227) | Free | Finance | | [ClassyAction: Settlement](https://appshunter.io/ios/app/classyaction-settlement/id6751059124) | 4.4 (43) | Free | Finance | | [MinerX-BTC](https://appshunter.io/ios/app/minerx-btc/id6756476436) | 2.8 (118) | Free | Finance | | [Nook Earn App](https://appshunter.io/ios/app/nook-earn-app/id6742204281) | 4.5 (357) | Free | Finance | ## Related topics [save money game](https://appshunter.io/ios/topics/save-money-game) · [gamified finance](https://appshunter.io/ios/topics/gamified-finance) · [money saving app game](https://appshunter.io/ios/topics/money-saving-app-game) --- *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 2026-08-25.*