# Vera Money — AI money coach and checking > AI personal finance coach for budgeting, spending, savings, and bill reminders. (iPhone/iPad app by Verde Money.) - Source: https://appshunter.io/ios/app/vera-money/id6749579407 (this page in markdown: same URL + `.md`) - Developer: [Verde Money](https://appshunter.io/developer/1831264255) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.40/5 from 16 App Store ratings · 8 written reviews indexed - Age rating: 12+ - Requires: iOS 15.0 · 119 MB - Languages: American English - Released: 2025-10-03 - Data updated: 2026-09-26 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/vera-money/id6749579407/reviews.md ## What is Vera Money? VERA BANKING* Your money deserves a wingwoman. Meet Vera, the privacy-first intelligent banking experience created just for you. Vera Money is checking, a debit card, savings, and an AI money coach who knows your actual numbers - in one free app. As seen in Forbes, Inc., and Yahoo! Finance. MOST MONEY APPS WATCH YOUR MONEY. VERA MONEY HANDLES IT. Vera tells you what's safe to spend, when to optimize savings, and talks you down when you're spiraling at 2:00 in the morning. - She knows your whole picture. Income, bills, balances, and what you're saving for. - She builds a plan around your life and goals, and changes it when your life changes. - She acts, not just advises. Vera figures out when to move money and how much, then moves it for you, with your permission. PRIVATE. PERSONALIZED. POWERFUL. - Unlike most money apps, Vera never sells or monetizes your data. Bank-grade encryption. Delete it anytime - Judgment-free guidance - no lecture, no guilt-trip. Ask her anything, get a real answer reasoned from your numbers - She runs it all - what's safe to spend, when to save, what's coming, and the moves in between BANKING, MADE JUST FOR YOU Savings optimized to earn more - all under the guidance you already trust. Open up to 20 savings accounts, one per big goal. No minimum balance. No monthly fee to hold your money, ever. Other fees may apply - see our fee schedule. EARN UP TO $100 Earn $25 for each of your first four qualifying direct deposits of $500 or more, up to $100 total. A qualifying direct deposit is an ACH deposit of payroll, pension, or government benefits from your employer or benefits provider; transfers between your own accounts, P2P transfers, and check deposits do not qualify. Each $25 bonus is credited within 3 business days of the qualifying deposit posting. One bonus program per customer. Offer expires March 31, 2027, and may be modified or withdrawn earlier. WHAT YOUR SAVINGS EARN With direct deposit, Vera moves money into savings proactively, earning 1.01% annual percentage yield (APY) - almost 3x the FDIC national average savings rate of 0.37% - or 1.51% APY once your total savings reach $5,000. APYs are accurate as of September 22, 2026; the FDIC national average is effective September 21, 2026 (FDIC National Rates and Rate Caps; subject to change). Interest compounds daily; rates are variable and may change after opening. Fees could reduce earnings. HOW IT WORKS One money manager for all your accounts. Connect them in seconds, powered by Plaid - checking, credit cards, Venmo, PayPal. Vera auto-categorizes everything, tracks every bill and subscription on one calendar, and flags charges you forgot. FREE. NO SUBSCRIPTION. NO ADS. SafeSpending, account sync, savings goals, the bill and subscription tracker: all included. PERFECT FOR - Anyone who checks their balance before buying and still isn't sure - People juggling irregular income, side hustles, or cash tips LOOKING FOR A MINT, ROCKET MONEY, YNAB, OR MONARCH ALTERNATIVE? Vera Money is the personal finance app that does all of it - budgeting, spending tracking, bill reminders, subscription tracking, savings goals - and everything they can't: checking, a debit card, savings that earn, and an AI who manages your money, not just tracks it. Free. (Vera Money is not affiliated with YNAB, Mint, Cleo, Rocket Money, PocketGuard, Monarch, or Credit Karma.) READY WHEN YOU ARE Open your account - and set up direct deposit to earn up to $100. DISCLOSURES *Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC. Vera Money is not FDIC-insured; deposit account funds are insured through First Federal Bank of Kansas City on a pass-through basis up to $250,000. Conditions must be met to qualify for this insurance, which only protects against the failure of the bank where the account(s) is held. Privacy Policy: https://veramoney.com/privacy Support: support@veramoney.com ## Key features - AI-powered spending guidance - Automated budget tracking - Savings goal setting and progress tracking - Bill payment reminders - 24/7 AI financial support - Secure bank connections ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Vera Premium Monthly | $5.00 | per month | ## Recent user reviews (8 of 8) All indexed reviews: https://appshunter.io/ios/app/vera-money/id6749579407/reviews.md ### 5/5 — Go for it! *2026-06-03* Grate app Thank you!! ### 5/5 — Great app *2026-06-01* Love this app so much ### 1/5 — Sloppy and Lazy Cash Grab *2026-05-22* 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. **Developer response:** 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 ### 5/5 — Great App! *2026-05-13* 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. ### 1/5 — Wrong data *2026-05-07* 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. **Developer response:** 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. ### 5/5 — Finally a money app that doesn’t give me a panic attack *2025-12-22* I’ve tried a lot of budgeting apps but usually delete them after a week. Vera feels completely different. The coaching is actually helpful and supportive. Vera helped me get a handle on my finances without the usual stress! ### 5/5 — Lovely *2025-11-29* I think the app is great at getting me to think about my money goals and how to achieve them in a calm friendly way. Money is a dicey subject and the way Vera approaches it helps me get focused and motivated ### 5/5 — Vera *2025-11-26* I think Vera is a great application! It allows users to work on their finances in an easy to follow fashion and works to understand who the user is and the goals they are aiming to achieve. I would definitely recommend Vera to my family and friends to try out! ## Frequently asked questions about Vera Money ### Does Vera have ads? Yes, Vera contains advertisements. The app is free to use and offers additional features through its subscription plans. ### What is the Vera Premium Monthly subscription cost? Vera Premium Monthly is priced at $5.00 per month, providing access to enhanced features and an ad-free experience. ### How secure is Vera with my financial data? Vera is designed with privacy in mind, encrypting your data and allowing you to control connected accounts. You can disconnect or delete your data at any time. ### What devices does Vera support? Vera is available on iPhone, iPad, and iPod devices, ensuring accessibility for a wide range of Apple users. ### How often is Vera updated? Vera was last updated on March 22, 2026, indicating regular maintenance and potential feature additions to improve the user experience. ### What is the age rating for Vera? Vera has an age rating of 12+, making it suitable for teenagers and adults managing their finances. ### Can Vera help me avoid overdraft fees? Yes, Vera tracks upcoming bills and sends smart reminders to help you avoid overdraft fees and late payments before they occur. ### What makes Vera different from other budget apps like Mint? Vera is highlighted as a smarter, truly free alternative to apps like Mint, emphasizing its AI coaching, no subscription requirement, and commitment to not selling user data. ## Version history (last 5 releases) ### 6.0.3 — 2026-09-24 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. ### 6.0.2 — 2026-09-23 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. ### 6.0.1 — 2026-09-21 Banking is open. Vera Banking is live in the app now, with limited availability. Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC. What's new: - Open an account in minutes - no monthly fee - Set up direct deposit and Vera moves money to savings for you, automatically - A faster, cleaner home screen Still 100% free. No subscription. No ads. ### 6.0.0 — 2026-09-15 Banking is open. Vera Banking is live in the app now, with limited availability. Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC. What's new: - Open an account in minutes - no monthly fee - Set up direct deposit and Vera moves money to savings for you, automatically - A faster, cleaner home screen Still 100% free. No subscription. No ads. ### 5.156.0 — 2026-08-31 Vera 5.0 is here — and she's sharper than ever. What's new: • Refreshed design: a cleaner, more insight-forward experience so your most important numbers are always front and center • Use Vera on desktop: your full financial picture, now accessible from any web browser • Vera Banking waitlist: sign up for automatic transfers to savings — so your money never just sits in checking doing nothing Still 100% free. No subscription. No ads. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-26.*