# Vivi - Spend, Save, Invest — Spend Less, Experience More

> AI-powered financial account for spending, saving, and investing with linked accounts. (iPhone/iPad app by Vivi Money.)

- Source: https://appshunter.io/ios/app/vivi-spend-save-invest/id1633586947 (this page in markdown: same URL + `.md`)
- Developer: [Vivi Money](https://appshunter.io/developer/1633586949)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 185 MB
- Languages: American English
- Released: 2024-10-15
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/vivi-spend-save-invest/id1633586947/reviews.md

## What is Vivi?

Meet Vivi, the first AI-powered account in Oz.
No hoops, just better.
Vivi is the AI-powered account that’s designed to work seamlessly alongside your existing account & it's easy to switch completely when your ready. Whether you’re looking for better savings, a smarter app, a travel card with no hidden fees or markups, or one of our unique card designs.

Why Vivi?
•   2-minute signup: Open an account in just two minutes by verifying your ID & taking a selfie. Simple, secure, and quick.

•   Powered by AI: Chat naturally with Australia's first AI financial assistant that analyses all your accounts to create personalised budgets, find better home loan rates with negotiation guidance, provide weekly spending insights, and answer any questions about your money - it’s like you have a genius on all things money that fits in your pocket.

•  See all your accounts in one place: Link all your existing bank accounts, credit cards and even superannuation to get a complete view of your money. Track balances, analyze spending, chat with Vivi and manage everything through one app.

•   Request payments instantly: Need to settle a bill or split a purchase? Use Vivi’s instant payment requests with ViviTag's, so you never have to awkwardly ask for money again.

•   Split payments effortlessly: Easily split transactions with friends or family in a few taps, no need for multiple apps or reminders.

•   Savings pots: Create savings pots for your goals and track your progress. It’s easy to manage your savings and set targets.

•   Get more from your savings: Vivi offers a high-interest savings account that lets you grow your money faster, with no hidden fees or confusing terms.

•   Vivi Cards: Choose from physical or virtual cards, designed for security and style. Vivi offers Australia’s first numberless card design for enhanced protection. Use disposable/one-time use cards for added online safety. Also take a look at our unique physical metal and art cards. Lock and unlock your card instantly through the app.

•   Spending data & insights: Track your spending habits and trends with Vivi’s advanced analytics. Understand where your money is going, and make better financial decisions.

•   World-class support: Need help? Our dedicated in-app support team is available to assist with any queries or concerns.

•   Instant notifications: Get real-time alerts for every transaction, so you’re always in control.

Security at our core
Data protection is a human right & at the core of everything we do. Vivi uses advanced cryptography techniques, biometric login, and multi-factor authentication to protect your account.

Spend less & experience more with Vivi.


*Any advice provided is of general nature and does not take into account your personal needs, financial circumstances or objectives.
Please consider if it is appropriate for you.

Terms: https://help.vivi.com.au/en/articles/11483909-terms-of-service
Privacy: https://help.vivi.com.au/en/articles/11483914-privacy-policy

## Key features

- AI financial assistant
- Link all accounts
- Instant payment requests
- Split payments
- Savings pots
- High-interest savings
- Numberless card option

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Vivi Plus | $49.99 | per year |
| Vivi Plus | $5.99 | per month |
| Vivi Plus | $2.99 | per month |
| Vivi Plus | $2.99 | per month |
| Vivi Plus | $4.99 | per month |
| Vivi Plus | $59.99 | per year |
| Vivi Plus | $24.99 | per year |
| Vivi Plus | $29.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/vivi-spend-save-invest/id1633586947/reviews.md

### 1/5 — Waste of time

*2025-09-23*

This app is completely pointless. None of the ‘features’ are accessible. Literally every feature is ‘closed to new users’.

### 5/5 — The best 🤩

*2025-07-25*

Absolutely love Vivi!! Linked my accounts and vivi made me a budget and it even notifies me when I’m getting close/go over my limits. 
I also tried the mortgage rescue in the chat which found a huge saving for me on my home loan and I didn’t even have to switch my bank.
Can’t recommend enough!!! 👏

## Frequently asked questions about Vivi

### How secure is Vivi?

Vivi prioritizes security with advanced cryptography, biometric login, and multi-factor authentication to protect your account data. The app also offers disposable virtual cards for enhanced online safety.

### What are the subscription plans for Vivi?

Vivi offers several subscription tiers, including Vivi Plus, with monthly options at $2.99, $4.99, and $5.99, and an annual plan for $24.99. Many plans include free trial periods of 3 or 7 days.

### Can I link my existing bank accounts to Vivi?

Yes, Vivi allows you to link all your existing bank accounts, credit cards, and superannuation funds. This provides a consolidated view of your finances within the app.

### Does Vivi have ads?

Yes, Vivi contains advertisements. As a free service, advertisements are part of the user experience.

### How quickly can I open a Vivi account?

Opening a Vivi account is designed to be quick, with a signup process that takes approximately two minutes. This involves verifying your ID and taking a selfie.

### What kind of support does Vivi offer?

Vivi provides world-class support through a dedicated in-app support team. They are available to assist with any queries or concerns you may have about the app's features or your account.

### What is RetroPay in Vivi?

RetroPay is a feature within Vivi that offers a responsible way to utilize buy now, pay later services. It allows users to manage purchases over time.

### Is Vivi available on Android devices?

Based on the provided data, Vivi is currently supported on iPhone devices. Information regarding Android compatibility is not available.

## Version history (last 5 releases)

### 1.1.0 — 2026-08-21

- UX Improvements
- Bug fixes

### 1.0.9 — 2026-08-17

Bug fixes & interface improvements.

### 1.0.7 — 2026-06-27

- Fixed some bugs, polished rough edges, and optimised for a smoother experience.

### 1.0.5 — 2025-07-24

- Fixed some bugs, polished rough edges, and optimised for a smoother experience.

### 1.0.4 — 2025-07-24

- Fixed some bugs, polished rough edges, and optimised for a smoother experience.

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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 2026-08-24.*