COSMO Galgal

Umunthu System Private Limited

About this app

COSMO Galgal – Zero Balance Savings Account by Cosmos Bank

Open a Zero-Balance Savings Account with Cosmos Co-operative Bank in just a few steps.

-Download the app and sign up using your Aadhaar and PAN card.
-Complete the Video KYC process at your convenience – no need to visit the branch.
-Once approved, start using your all-new zero-balance bank account with Cosmos Co-operative Bank.

Currently available in Maharashtra, Karnataka, Telangana, Gujarat, Tamil Nadu, Andhra Pradesh, and Madhya Pradesh.

COSMO Galgal is the official digital savings bank account app by Cosmos Co-operative Bank, designed to help you manage money better with auto-budgeting, goal-based savings, and real-time spend tracking.

Galgal, inspired by the word for lemon, brings a refreshing and simple approach to personal finance. With over 119 years of banking legacy, Cosmos Bank now delivers a seamless, secure, and modern banking experience through the COSMO Galgal app.

Your fully digital banking experience starts in under 10 minutes.

Take a journey through our feature-rich ecosystem:

Auto Budgeting Split Rule & Guilt-Free Balance: COSMO Galgal helps you manage money by automatically splitting your income into Essentials, Savings, and Guilt-Free spending pitchers. This budgeting system allows you to stay on track, avoid overspending, and build healthy financial habits.

Insightful Analytics: Track and understand your expenses through animated visual insights. Galgal’s TrendZ provides a clear breakdown of where your money goes—eliminating the need for spreadsheets or third-party budgeting apps.

Custom Goals: Save for the things that matter. Whether it’s travel, gadgets, or an emergency fund, set your own goals and automate your contributions using our goal-based savings pitcher.

Debit Card: Instantly access your virtual RuPay debit card for online purchases. Order your physical card within the app and manage its settings with ease. Set transaction limits, enable or disable payment modes like POS, online, or tap-to-pay, and lock or hotlist your card instantly.

Safe & Secure: The app uses Mobile PIN, Transaction PIN, and fingerprint authentication for added security. Your account is protected by Cosmos Bank’s trusted banking infrastructure.

Savings Page: View and manage all your savings pitchers and custom goals from one place. The Savings page gives you a concise, real-time view of your budgeting progress and savings milestones.

Why choose COSMO Galgal?
-Fully digital account opening with no branch visit required.
-Zero-Balance Savings account powered by Cosmos Co-operative Bank.
-Automatic budgeting with categorized expense tracking.
-Virtual and physical RuPay debit card with control features.
-Easy-to-understand insights with TrendZ.

You must be an Indian resident, 18 years or older, to open a COSMO Galgal savings account. Galgal does not hold or claim to hold a banking license. All accounts are issued and maintained by Cosmos Co-operative Bank.

For support, write to us at: [e-mail]

Download COSMO Galgal today and start your journey towards smarter, stress-free money management.

What’s new

Enhancements and minor bug fixes