Vera Money

Vera Money

AI money coach and checking

16 ratings
8 reviews
Free
With Ads

Details

Released
October 3, 2025
Updated
October 29, 2026

Features

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About

This app offers an intelligent banking experience with AI-powered financial coaching. It helps you understand your spending, optimize savings, and manage bills and subscriptions, all while prioritizing your data privacy.

✓AI money coaching
✓Privacy-first banking
✓Debit card and checking
✓Savings optimization
✓Bill and subscription tracking
✓Bank-grade encryption
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What's New in Vera Money

6.17.1

October 29, 2026

Vera Banking* Checking, a debit card, and savings, made just for you. Open your account in minutes. No minimum balance. No monthly fee. Set up direct deposit and Vera moves money to savings for you, proactively. Plus a faster, cleaner home screen. Free. No subscription. No ads. *Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC.

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Subscriptions & In-App Purchases

$5.00

Vera Premium Monthly

Removed from the App Store on October 30, 2026. All premium features, billed monthly

User reviews

Go for it!

Grate app Thank you!!

Great app

Love this app so much

Sloppy and Lazy Cash Grab

This app is 1000% vibe coded so user beware! App is not accurate at all and there are so much UI bugs that this app has vibe code for a cash grab written all over it! Whoever is the “dev” behind this app did not do their due diligence to clean up the AI slop they created and left behind. Not a polished and ready to ship app a whatsoever. Consumers, especially in fintech deserve much better than this AI slop. You guys should be ashamed of this app.
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Response from developer

Hey Quinn_Spinn! This one stung, partly because it's harsh, but mostly because the "vibe coded" framing isn't accurate, and we want to push back on it honestly. Vera is AI-native. That's the whole point. But there's a real difference between an app built carelessly with AI and an app built thoughtfully with AI as a tool, by a small, dedicated engineering team that reviews and ships every release. We're the second one. The app is also free, ad-free, and doesn't sell your data — not exactly a cash grab model. Where your review has a real point, we've been shipping fast, and sometimes bugs slip through too. We'd much rather know about them than not. If you send screenshots or specifics to support@veramoney.com a real person responds, we work the list with you, and the app gets better. We reward users who help us find issues. If you'd be open to it, we'd also love to invite you into our beta program, early access to new features, a direct line to the team, and a real say in what we fix next. The users who push us hardest are usually the ones who shape the product most. We're trying to build something ambitious , a money app that's actually on your side. That comes with growing pains. Hoping you'll give us a chance to fix yours. —Sofi & the Vera team

Great App!

Really impressed with this app. It helps me track spending and manage my budget in a way that still lets me enjoy my hobbies and fund the amount of sushi required to survive the work week while saving in a way that actually feels practical for my life. It even helped me stay organized enough to buy a house!! Clean design, easy to use, and genuinely helpful.
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Wrong data

I think it’s a vibe coded app. It shows incorrect balances and can’t pull historical transactions even after 24 hours. Can’t trust.

Response from developer

Hi Ghoda123 — thanks for flagging this, and sorry for the frustration. What you're describing sounds like a sync issue with your linked account rather than a calculation error on our end, but we'd really like to confirm that and get it sorted. Please email us at support@veramoney.com and we'll dig into your specific account right away.

FAQ

What is Vera Money?

Vera Money is a free banking app that combines checking, a debit card, savings accounts, and an AI money coach. It aims to provide a privacy-first intelligent banking experience to help users manage their finances.

Is Vera Money free to use?

Yes, Vera Money is free to use with no subscription required. Features like SafeSpending, account sync, savings goals, and bill/subscription tracking are all included at no cost.

How does Vera Money protect my data?

Vera Money uses bank-grade encryption to protect your data. Unlike many other money apps, Vera Money states it never sells or monetizes your data and allows you to delete your information at any time.

What kind of savings accounts does Vera Money offer?

You can open up to 20 savings accounts, with one dedicated per major goal. There is no minimum balance required, and no monthly fee to hold your money, though other fees may apply.

What is the APY for savings with Vera Money?

With direct deposit, Vera Money proactively moves money into savings, earning 1.01% APY. This rate increases to 1.51% APY once your total savings reach $5,000. These rates are variable and subject to change.

Can I connect my other financial accounts to Vera Money?

Yes, you can connect your checking, credit cards, Venmo, and PayPal accounts to Vera Money. The app uses Plaid to securely sync your information and auto-categorizes your transactions.

Does Vera Money have ads?

Yes, Vera Money contains advertisements. The app is free to use and supported by ads.

What is the age rating for Vera Money?

Vera Money has an age rating of 12+, making it suitable for teenagers and adults managing their finances.