Plans & billing

Every Copper plan includes every feature. Plans differ in how many banks you can link, and Plus can refresh a bank on demand.

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Plans

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What counts as a bank

A bank is one sign-in at one institution through Plaid. All the accounts under that login count once: if your checking, savings and credit card are all at the same bank and you link them together, that’s one bank.

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Bank refreshes

Plaid checks each bank a few times a day on its own. A refresh has it check one bank right now. Plus includes 5 a month, starting again each time your plan renews (on a yearly plan, on the same day each month); unused ones don’t carry over. A lifetime Plus plan has unlimited refreshes. See Refresh a bank now.

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What works without a plan

Everything except linking banks. Without a plan you can still create budgets and buckets, join a shared budget, and use everything in a budget someone else has linked banks to. That means a partner you invite doesn’t need to pay unless they want to link their own banks. Each person’s plan covers the banks they link, in any budget.

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Free trial

New subscribers can start with a 7-day free trial. You get full access right away, and the plan starts at the end of the trial unless you cancel at least 24 hours before it ends. Each Apple ID or Google Account can use a plan’s free trial once. If notifications are on, Copper reminds you two days before the trial ends.

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Start or change a plan

Plans are bought in the phone app, through the App Store on iPhone or Google Play on Android:

• During setup, on the plan step. See Getting started.
• Any time after, in Settings › Current Plan.

Pick monthly or yearly, choose a plan, and confirm with your Apple ID, or your Google Account on Android. Your current plan shows in Settings, for example “Core · Trial, 5 days left”. Free time from a Copper code shows when it ends, for example “Core · Free until Nov 2”. You can’t move to a plan that holds fewer banks than you have linked. Copper tells you how many to disconnect first. Changed phones or reinstalled? Tap Restore purchases on the plan screen. A subscription belongs to the Copper account that started it. Restoring on a different Copper account with the same Apple ID or Google Account doesn’t move an active subscription over: Copper tells you it’s in use by another account. Sign in to that account, or email [email protected] if it needs moving.

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Redeem a code

We hand out two kinds of codes. Each gives you Core free for a while, usually a month.

• App Store codes are redeemed on your iPhone. Tap Redeem code at the bottom of the plan screen (during setup, or in Settings › Current Plan) and enter it. You can also redeem one in the App Store: tap your photo at the top right, then Redeem Gift Card or Code. When the free time ends, Core renews at its usual price unless you cancel at least 24 hours before. On Android, Redeem code opens Google Play’s page for redeeming a code; App Store codes can only be redeemed on an iPhone.
• Copper codes look like COPPER-XXXX-XXXX and are redeemed on the web: open web.copperbudget.com, go to Settings › Account, and enter it under Redeem a code. Nothing renews or bills when the free time ends. Start a plan in the phone app before then to keep your banks linked.

Each account can redeem one Copper code. If notifications are on, Copper reminds you two days before free time from a Copper code ends.

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Cancel

Cancel in the store you subscribed through. You can also tap Manage subscription in Settings › Current Plan in Copper. Cancel at least 24 hours before the end of the period to stop the next renewal. You keep your plan until the end of the time you’ve paid for. Deleting your Copper account doesn’t cancel an App Store or Google Play subscription. Cancel it in the store so you aren’t charged again.

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Billing questions

Payments, receipts and refunds for App Store purchases are handled by Apple, and for Google Play purchases by Google.