01
Download the app
Set up your account in minutes and connect your financial world securely.
As seen on
How it works
From question to plan,
in three steps
No paperwork. No appointments. No four-figure adviser bill. Just a few questions and a plan you can actually use.
02
Ask anything
Ask about your super, mortgage, retirement, debt or investments — just like chatting to a human adviser.
03
Get licensed advice
A personalised answer overseen by qualified human advisers — so you can act on it with confidence.
AI • licensed advice
The speed of AI. The safety of licensed advice.
Generic AI can sound convincing, but trusting it with your future can feel a bit like flying with an unlicensed pilot.
Otivo is different. Every recommendation is generated inside our licensed advice platform — so you can make important financial decisions with confidence.
What you get
Personalised to youIncluded
Licensed financial adviceIncluded
Adviser supervisedIncluded
Built for AustraliansIncluded
Simple answers in your languageIncluded
Advice you can act onIncluded
Otivo speaks your language
Financial advice
in your language
Ask Otivo questions in almost any language and receive personalised financial advice back in the same language — clearly, naturally and instantly.
- English
- 简体中文
- Tiếng Việt
- العربية
- हिन्दी
- Italiano
- Ελληνικά
- Español
- 한국어
- Bahasa
- Tagalog
- Português
- +90 others
Personal pocket-sized adviser
Otivo helps you with every major financial decision
One licensed plan that connects your super, investing, retirement, insurance and debt — plus powerful tools like budgeting, first home buyer calculators, retirement projections and more — so your money decisions stop happening in isolation.
Working with some of Australia's most trusted organisations
Testimonials
Rated 5 stars by Australians
Over 13,000 Australians are already using Otivo to build wealth, improve their super and feel more confident about their future.
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Lisa Romano
Before I signed up to Otivo, I hadn't looked at my super in years, so it feels good knowing everything is now sorted. What I love most is how it shows me what my financial future could look like, giving me more confidence as I get closer to retirement. Highly recommend.
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Glen
I can't speak highly enough about Otivo. Now I have a plan and goals that I understand. The piece of mind it's given me about my financial position and has literally helped me sleep better at night.
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Anthony L
Otivo has been fantastic in helping me get my finances and get my super in order. Straight to the point, with great insights and helping me optimise for the future.
Most Innovative Fintech
Product or Service
Winner 2026
Most Innovative Application of
AI in Finance
Winner 2026
MAX awards
Finalist 2026
B2B Innovation
Finalist 2025
Frequently asked questions
Your questions about Otivo’s app answered
Is this real licensed financial advice?
Yes. Otivo holds its own Australian Financial Services Licence (AFSL 485665), which means the advice you get is regulated under the same laws that govern human financial advisers. You're protected.
How is Otivo different from ChatGPT or other AI platforms?
It's similar to the AI platforms you already use — except Otivo is licensed to provide personalised advice tailored to your life. General-purpose AI can talk about money in broad terms, but it can't give you personal financial advice. Otivo can, because we're regulated to do exactly that.
Is my information secure?
Yes. Your data is encrypted, stored securely in Australia, and never sold. We use it to give you better advice — nothing else.
How much does it cost?
Otivo Digital is free to join until 30 June. After 30 June 2026, new users will need to sign up to a paid Otivo plan to access Otivo’s full suite of digital financial advice features and services.
Can I speak to a human adviser?
Yes. Our Adviser tier connects you with a qualified human adviser when you want one. You can book a free 15-minute call to see if it's the right fit.
What advice topics are covered?
Super, ETFs and investing, debt, insurance, retirement, and day-to-day money decisions. You can ask in plain English — and in your own language if English isn't your first.
