Meet Penny, the world's smartest financial assistant
Personalised, always-on money intelligence built around you
from 150+
Reviews
Partnered with the world’s leading financial networks
Connects with all leading banks across the UK & Europe
No App required, talk to Penny directly from WhatsApp
Once connected, Penny analyses your spending to deliver real-time, personalised money intelligence that saves you money
Penny analyses your spend & delivers real-time, personalised money intelligence that enables you to budget better, build credit, and escape your financial burdens
Get real time savings feedback as often as you want, sent directly to you.
Get real time savings feedback as often as you want, sent directly to you.
Accelerate your savings journey using automated tools, flexible options, and consistent growth.
Before Fintiq, money felt stressful. Now, payments are smooth, savings grow steadily, and managing.
Jackson Hayes
UX Designer
Before Fintiq, money felt stressful. Now, payments are smooth, savings grow steadily, and managing.
Jackson Hayes
UX Designer
Managing finances used to be a hassle before Fintiq. Now, transactions flow smoothly, making,
Jammy Hoe
UI/Ux Designer
Managing finances used to be a hassle before Fintiq. Now, transactions flow smoothly, making,
Jammy Hoe
UI/Ux Designer
Handling finances was once a chore, but with Fintiq, transactions are seamless and effortless.
Jackson H
UX Designer
Handling finances was once a chore, but with Fintiq, transactions are seamless and effortless.
Jackson H
UX Designer
Before Fintiq, money felt stressful. Now, payments are smooth,grow steadily, and managing.
Liam Harper
Style Innovator
Before Fintiq, money felt stressful. Now, payments are smooth,grow steadily, and managing.
Liam Harper
Style Innovator
Before Fintiq, handling money was a source of stress. Now, transactions are effortless.
Jackson L
Fashion Designer
Before Fintiq, handling money was a source of stress. Now, transactions are effortless.
Jackson L
Fashion Designer
Before Fintiq, money felt stressful. Now, payments are smooth, savings grow steadily, and managing.
Jackson Hayes
UX Designer
Managing finances used to be a hassle before Fintiq. Now, transactions flow smoothly, making,
Jammy Hoe
UI/Ux Designer
Handling finances was once a chore, but with Fintiq, transactions are seamless and effortless.
Jackson H
UX Designer
Before Fintiq, money felt stressful. Now, payments are smooth,grow steadily, and managing.
Liam Harper
Style Innovator
Before Fintiq, handling money was a source of stress. Now, transactions are effortless.
Jackson L
Fashion Designer
Financial intelligence that works for you
Penny is your personal financial assistant, designed to simplify your finances
Track spending, manage expenses, and achieve your financial goals effortlessly
Secure spending insights to stay in control of your money
Real-time budget tracking for smarter spending decisions
Smarter money habits that help you reach your goals faster
Powered by Penny
Powered by Penny
Discover how Penny works with simple steps, guiding you through secure, fast, and effortless finance
Discover how Penny works with simple steps, guiding you through secure, fast, and effortless finance.
Step 01
Join us on WhatsApp and allow Penny to link your bank account securely and privately. Verify securely, no selling your data. Ever.
Step 01
Join us on WhatsApp and allow Penny to link your bank account securely and privately. Verify securely, no selling your data. Ever.
Step 02
Penny analyses your real spending behaviour to deliver insights that evolves with your lifestyle
Step 02
Penny analyses your real spending behaviour to deliver insights that evolves with your lifestyle
Step 03
Penny drops hyper-personalised insights, reminders, and suggestions — helping you spend better, save faster, and avoid money mistakes before they happen
Step 03
Penny drops hyper-personalised insights, reminders, and suggestions — helping you spend better, save faster, and avoid money mistakes before they happen
Step 04
From having Penny analyse your spending habbits, you stay in control and save hundreds annually without the stress
Step 04
From having Penny analyse your spending habbits, you stay in control and save hundreds annually without the stress
Step 01
Join us on WhatsApp and allow Penny to link your bank account securely and privately. Verify securely, no selling your data, ever. 🔐
Step 02
Penny analyses your real spending behaviour to deliver insights that evolves with your lifestyle.
Step 03
Penny drops hyper-personalised insights, reminders, and suggestions — helping you spend better, save faster, and avoid money mistakes before they happen
Step 04
From having Penny analyse your spending habbits, you stay in control and save hundreds annually without the stress 🚀
Penny uses the highest level of banking security authentication
Penny uses the highest level of banking security authentication
Your money securely analysed using 256-bit encryption. Zero data sold. Live in two minutes
Your money securely analysed using 256-bit encryption. Zero data sold. Live in two minutes
Secure Open Banking Authentication
Connections use regulated Open Banking protocols with Strong Customer Authentication (SCA), directly with your bank.
Permission-Based, Encrypted Access
Access is read-only, time-limited, and encrypted end-to-end using industry-standard TLS. Your credentials are never shared or stored.
Regulatory-Grade Compliance
Data access is continuously monitored and fully compliant with PSD2 and GDPR requirements.
Frequently asked questions
Find quick answers to common questions about using Fintiq, security, transfers, savings, and more.
Frequently asked questions
Find quick answers to common questions about using Fintiq, security, transfers, savings, and more.
How secure is Penny?
No. Fintiq is fully transparent. You’ll see all applicable fees upfront, and we strive to keep costs low or free where possible.
Do I need an App?
I offer UI/UX design, web development, and branding to craft stunning digital experiences tailored to your goals.
What can Penny do?
Start by assessing your budget, checking your loan eligibility, and getting pre-approved for financing.
How can I get support if I need help?
Should anything go wrong, we do offer hands on human suppot
How secure is Penny?
No. Fintiq is fully transparent. You’ll see all applicable fees upfront, and we strive to keep costs low or free where possible.
Do I need an App?
I offer UI/UX design, web development, and branding to craft stunning digital experiences tailored to your goals.
What can Penny do?
Start by assessing your budget, checking your loan eligibility, and getting pre-approved for financing.
How can I get support if I need help?
Should anything go wrong, we do offer hands on human suppot
How secure is Penny?
No. Fintiq is fully transparent. You’ll see all applicable fees upfront, and we strive to keep costs low or free where possible.
Do I need an App?
I offer UI/UX design, web development, and branding to craft stunning digital experiences tailored to your goals.
What can Penny do?
Start by assessing your budget, checking your loan eligibility, and getting pre-approved for financing.
How can I get support if I need help?
Should anything go wrong, we do offer hands on human suppot
Your journey to financial freedom starts here
Start building wealth today with simple tools that help you save, invest, and achieve financial peace of mind.
Your journey to financial freedom starts here
Start building wealth today with simple tools that help you save, invest, and achieve financial peace of mind.
Your journey to financial freedom starts here
Start building wealth today with simple tools that help you save, invest, and achieve financial peace of mind.