Spend smart.Track instantly.Grow daily.
All your money in one calm app. Kivo sorts every payment the second it happens and moves the spare change into goals you actually care about.
EU-licensed partner bankFree for one account
Morning, Ana.
Total balance€0.00↑ €312 more than last month
€0saved this month
3bills due this week
October spending
Your goals
Three minutes to set up. Then it runs itself.
Connect
Link your current account or open a Kivo account in the app. No paperwork, no branch visit.
Sort
Every payment lands in the right category within seconds, and you can rename or split it with one tap.
Grow
Round-ups and weekly rules move spare money into goals. You decide how much and how often.
See what your spare change adds up to
Kivo rounds each card payment up to the next euro and saves the difference. Set your habits and watch a year of round-ups build.
Round up to the next
Saved in one year
€0
Estimate based on an average round-up of half the chosen step.
Built for one hand and a busy day
- Instant notifications. See the merchant, the category and what is left in your budget.
- Freeze your card in one tap. Unfreeze just as fast when you find it in your coat.
- Shared goals. Save for a trip with a partner and see both progress bars.