Question 1

What is ZivaFinance?

Accepted Answer

ZivaFinance (Ziva) is a Norwegian AI personal finance app. It automatically aggregates every bank account and card through Open Banking and turns them into one calm, honest number, with a 12-month cash-flow forecast, an AI money coach, family sharing, savings goals, and unique EV-charging and solar cost insights. It runs as a PWA in 14 languages and works offline.

Question 2

How much does ZivaFinance cost?

Accepted Answer

ZivaFinance is free to start. Premium is 99 NOK per month (or 799 NOK per year) and adds the Ziva AI assistant, overspend alerts, a 12-month cash-flow forecast, savings goals, family sharing, full portfolio and net-worth tracking, and EV-charging and solar insights.

Question 3

Which banks does ZivaFinance support?

Accepted Answer

ZivaFinance connects to Norwegian and European banks through regulated Open Banking (PSD2), so it can aggregate accounts and cards across most banks automatically rather than only a single provider.

Question 4

Is my banking data safe with ZivaFinance?

Accepted Answer

ZivaFinance uses regulated Open Banking (PSD2) for read-only access to your accounts, is built to be GDPR-compliant, and never moves money on your behalf. You can revoke access at any time.

Question 5

What makes ZivaFinance different from other budgeting apps?

Accepted Answer

Instead of manual budgeting, ZivaFinance answers a single question — can I afford this? — with a forward-looking 12-month cash-flow forecast, an AI money coach that warns you before you overspend, real family sharing, and EV-charging and solar cost insights that almost no other personal finance app offers.

Question 6

Does ZivaFinance work for families and couples?

Accepted Answer

Yes. ZivaFinance supports household sharing so couples and families can see a shared picture of their finances, with permission levels that control who can see and edit what.