Everyone else you give money to works for you. Why doesn't your bank?
At Covenance, we believe you worked hard for your money, and you deserve to have your bank work just as hard. We’re dedicated to eliminating fees, providing cashback, giving rewards and even helping you pay for everyday necessities.
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Products
Hardworking Products
Covenance believes that you work hard, and you deserve to have your bank and finances work even harder for you. We’ve developed a suite of products to help you manage finances, earn rewards, save money and put your money to work harder than ever before. Here are some of the features:
Online Banking
Easy online accounts
Create and manage online accounts for business (personal coming soon) with no fees, free transfers (ACH and wire), native cryptocurrency onramp and offramp and more.
Card Solutions
Secure virtual and physical cards
Control subscriptions and vendors easily by creating unlimited virtual cards, manage spend limits, and earn cashback. See subscriptions all in one place and easily cancel them or freeze your card.
Powerful Rewards
Cashback, high APY interest and subsidies
Earn unlimited cashback on every transaction, and take advantage of direct subsidies or discounted rates through our negotiated deals with insurance and more.
Unlimited secure virtual cards for you
Create, manage, freeze, and organize virtual cards for all your personal and business needs, all while staying safe and secure and earning unlimited rewards.
Features and Benefits
Everything you ever wanted your bank to do for you
Case studies
See how we’ve helped consumers and businesses succeed and thrive, and how we can help you too.
Cashback
Revenue
Check out our social media reviews
@ericshafer · May 15
Covenance has been a game-changer for our business. Their payment management system has streamlined our card usage, and their reporting system has given us greater insight into our payment data.
@owen · May 15
Thanks to Covenance, we've been able to get cards set up on all our ad accounts quickly. Their platform is easy to use and provides us with the flexibility we need to manage payments effectively.
@victoria · May 15
I highly recommend Covenance to any business looking for a reliable card solution. Their system is secure, customizable, and is free to use.
@joao · May 15
Covenance has completely transformed the way we handle cards. The platform is easy to use and has saved us a lot of time and money.
@jenny · May 15
We have been using Covenance for a few months now and have been extremely impressed with their platform. It's streamlined our card management process.
@candice · May 15
Covenance has been a game-changer for our business. Their platform is user-friendly and has allowed us to manage cards quickly and efficiently. We have seen a significant improvement in our cash flow since switching to Covenance.
@wu · May 15
We were hesitant to switch to a new card solution, but we are so glad we did. Covenance has exceeded our expectations in every way. The platform is easy to navigate and their support team is always available to assist us with any issues.
@zahir · May 15
Covenance has made our card payment process so much easier. The platform is intuitive and has helped us reduce errors and save time. We highly recommend Covenance to any business looking for a reliable payment solution.
Always free, yet hardworking
Personal
Always free
Personal accounts, virtual cards for shopping, rewards and subsidies.
- Free checking and savings
- High interest APY rates
- Virtual cards for shopping
- Subsidized insurance rates
- Subscription management
Business
Always free
Business accounts, virtual cards for vendors, rewards and more.
- Free checking and savings
- Free wires and ACH
- High interest APY rates
- Virtual cards for vendors
- Cryptocurrency support
Custom Use
Contact Us
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- Customized programs
- Whitelabel available
- Robust API available
Frequently asked questions
What's the difference between business and personal? Can I have both?
You can have both a business and a personal account. Both offer similar rewards rates and interest rates, but onboarding requirements and documentation differ, and the dashboard views are customized based on use.
What cryptocurrencies do you support?
Covenance integrates with a cryptocurrency gateway that can support a large number of cryptocurrencies, but it automatically converts them into USD for accounting subject to the exchange rates.
How much does Covenance cost?
Covenance is always free for both businesses and consumers. Our business model is based off of negotiated partnerships with financial institutions and our ability to leverage data to negotiate rates on behalf of our customers.
What are virtual cards and what can I use them for?
Virtual cards are unique card numbers that can be used for both business and personal use, in order to use a unique card number with each vendor, manage employee or allowed users, manage spend limits, freeze cards at any time and manage billing and subscriptions, all with added security.