Start Lite. Go Premium. Add Household Mode.

Who are Centiv’s AI advisors?

Coach gives you daily financial guidance and answers your money questions in plain language. Sage handles your budgets, goals, and long-term planning. Ace tracks your ¢Score and overall financial wellness across 6 dimensions. Warden watches your debt and interest drain and flags the urgent stuff first. Sentry handles subscription detection and bill monitoring. Clerk does receipt scanning, returns, and tax tracking. Max helps optimize credit-card rewards.

What’s the difference between subscribing on the web and inside the app?

It’s the same Premium and the same data either way — only the billing rail changes. On the web (centiv.app) you pay directly at the prices shown above. Inside the app, the App Store and Google Play handle billing and set their own prices, which can differ to account for their platform fees. You can switch between rails — see the FAQ below on moving from in-app billing to web.

I subscribed in the app. Can I move my subscription to web billing?

Yes. Cancel your in-app subscription from your device subscription settings (Settings → Apple ID → Subscriptions on iOS, Play Store → Subscriptions on Android). When the in-app subscription is set to end, sign in on centiv.app and start a Premium subscription here. Our web checkout automatically delays the first charge until your in-app subscription actually ends so you’re never double-billed.

Is my financial data safe?

Yes. Centiv connects to your accounts through a trusted bank-link partner — your bank credentials never touch our servers. All data is encrypted at rest with AES-256 and in transit via TLS. We operate a Zero Trust architecture and your data is never sold or shared.

What banks are supported?

Centiv connects to 10,000+ US and Canadian financial institutions, including Chase, Bank of America, Wells Fargo, Citi, Ally, RBC, TD, BMO, Scotiabank, and most credit unions. If your bank supports online banking, it almost certainly works.

Can I cancel anytime?

Absolutely. For web subscriptions, manage billing from the Centiv web app. For in-app subscriptions, cancel from your device settings. When Premium ends, Centiv switches you to Lite and asks which one connected bank you want to keep — we never silently disconnect a bank for you.

What’s the difference between Lite and Premium?

Lite costs $0 and includes all 7 AI advisors, your ¢Score, subscriptions & receipts intelligence, and one connected bank with unlimited accounts — every checking, savings, credit card, loan, and investment account at that bank is tracked. Premium adds unlimited banks, the full ¢Score breakdown, and long-press voice control with Coach. Premium + Household Mode adds shared spending with a partner.

What is ¢Score?

¢Score is Centiv’s real-time financial health score — a 0–100 number across 6 dimensions: cash flow, debt burden, savings rate, spending efficiency, income stability, and financial engagement. Ace monitors it daily and tells you exactly how to improve it.

What is Household Mode?

Household Mode lets you share your financial picture with a partner. Set a Primary and a Member. See shared spending, split goals, and get household-level insights — without losing individual privacy. It’s an upgrade on top of Premium.

Does Centiv have voice control?

Yes — long-press the central ¢ tab and Coach Co-Pilot opens, letting you navigate Centiv and ask questions hands-free. Voice control is part of Premium; Lite is text-only.

Do you offer a student discount?

Not yet, but it’s on the roadmap. Sign up with Lite and we’ll notify you when it’s available.