Question 1

What is Copia?

Accepted Answer

Copia is a budgeting app built by a small team of two who actually use it every day. We created it because we wanted full-featured budgeting without the premium price tag, starting at $4.99/month, you get the same features as apps costing three times more. Every feature we build starts with solving a real problem we face in our own financial lives.

Question 2

Can I connect my bank accounts?

Accepted Answer

Yes! Copia connects to thousands of banks and financial institutions through Plaid. We're also working to add support for other providers like MX, Finicity, and Yodlee so you can sync all your accounts in one place.

Question 3

Is my financial data secure?

Accepted Answer

Yes. We never store your bank login credentials. All connections go through Plaid using encrypted connections, and your data is encrypted both at rest and in transit. We follow industry best practices to keep your information safe and private.

Question 4

Will Copia be available on mobile devices?

Accepted Answer

At beta launch, Copia will be available as a responsive web app that works great on both desktop and mobile browsers. We haven't prioritized a native mobile app yet, but the web version is fully functional on phones and tablets.

Question 5

When will Copia be available?

Accepted Answer

We're targeting a public beta release by the end of 2025. Join our waitlist to be among the first to get access when we launch.

Question 6

What budgeting methods does Copia support?

Accepted Answer

At launch, Copia will support zero-based budgeting with AI tools to help simplify the process. We built this because it's the method we use ourselves, and we wanted to make it easier for others to get started.

Question 7

Is my bank login information stored?

Accepted Answer

No. We never see or store your bank login credentials. Copia uses Plaid to establish secure connections to your bank accounts, and all authentication happens through Plaid's secure infrastructure. We only receive transaction data, never your passwords.

Question 8

How does Copia protect my privacy?

Accepted Answer

We take your privacy seriously. We never store your bank login information, and all data is encrypted both at rest and in transit. Our system uses encrypted access tokens from Plaid that rotate regularly. All data is hosted securely on AWS. We never share your information without your explicit consent, and as a small team, we have strict access controls in place.

Question 9

What AI features does Copia offer?

Accepted Answer

We're building AI tools to help with transaction categorization, budget suggestions, and financial insights. The AI learns from your patterns to get smarter over time. We'll publish a full list of AI features closer to launch—stay tuned!

Question 10

Which AI models will Copia use?

Accepted Answer

At public beta launch, we plan to use Google's Gemini models to power our AI features and insights.

Question 11

How much does Copia cost?

Accepted Answer

Copia starts at $4.99 per month during our beta period. This is an introductory price that may change, but we'll notify you well in advance if it does. We built Copia to be affordable because we believe budgeting tools shouldn't cost a fortune.

Question 12

Can I link multiple bank accounts?

Accepted Answer

Yes! You can link up to 10 bank accounts at launch. We'll expand this limit in the future based on what users need.

Question 13

Can I manually enter transactions, or is it automatic only?

Accepted Answer

Right now, transactions are automatic only through bank connections. We're planning to add manual entry in 2026, which will also let you import data from other budgeting services if you're switching over.

Question 14

How does Copia categorize my expenses?

Accepted Answer

Copia automatically categorizes your transactions based on Plaid's categories. Over time, our AI will learn from your patterns and corrections to get better at categorizing your specific spending habits.

Question 15

Does Copia support recurring transactions or bills?

Accepted Answer

Yes, Copia will support recurring transactions and bills. This is something we use ourselves, so we made sure to include it from the start.

Question 16

Can I export my financial data?

Accepted Answer

Not yet, but we're considering adding data export in the future. We want to make sure you can take your data with you if needed.

Question 17

How do I cancel my subscription?

Accepted Answer

You can cancel your subscription anytime from the settings page. We use Stripe to handle payments, so cancellation is straightforward and immediate.

Question 18

What happens if my bank connection disconnects?

Accepted Answer

If your bank connection disconnects, you'll need to re-authenticate with your bank through Plaid to reconnect. This usually happens if you change your bank password or if the connection expires for security reasons.

Question 19

How do I contact customer support?

Accepted Answer

You can email us at support@copiacash.com or join our Discord server. We're a small team, so we actually read every email and message ourselves. We'll get back to you as soon as we can.

Question 20

Does Copia work offline?

Accepted Answer

No, Copia requires an internet connection to sync with your bank accounts and access your data. We don't currently support offline mode.

Frequently Asked Questions