Powering a New Era of Financial Intelligence
Powering a New Era of Financial Intelligence
We’re on a mission to make Gen Z and Gen Alpha the most financially literate generations in history, giving you the tools and clarity to make smarter money decisions for life.
We’re on a mission to make Gen Z and Gen Alpha the most financially literate generations in history, giving you the tools and clarity to make smarter money decisions for life.
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Penny puts your finances first with effortless money management
Partnered with the world’s leading financial networks
Money Intelligence, Reimagined for Gen Z & Gen Alpha
Money Intelligence, Reimagined for Gen Z & Gen Alpha
Let’s be honest, most banks weren’t built for Gen Z & Alpha They’re stuck designing for lifestyles that don’t reflect how we actually earn, spend, or save today.
Penny is different. At its core is AI built specifically to understand Gen ZA money habits, from flexible income and subscriptions to goal-driven saving and everyday spending.
Penny learns how you manage money in real life and turns that into insights that actually make sense for you. No generic advice, no outdated assumptions, just money intelligence designed for Gen ZA, because no other money apps or banks are doing it this way.
Our core values
Our values define who we are—driving innovation, transparency, and accessibility in every financial solution we create.
We believe finance grows stronger with trust and transparency.
We believe finance grows stronger with trust and transparency.
We believe finance grows stronger with trust and transparency.
We make money management simple, clear, intuitive, and effortless.
We make money management simple, clear, intuitive, and effortless.
We make money management simple, clear, intuitive, and effortless.
Driven by innovation, we simplify and secure modern finance.
Driven by innovation, we simplify and secure modern finance.
Driven by innovation, we simplify and secure modern finance.
A global-first approach ensures accessibility for every user.
A global-first approach ensures accessibility for every user.
A global-first approach ensures accessibility for every user.
Frequently asked questions
Find quick answers to common questions about using Penny, security, transfers, savings, and more.
Frequently asked questions
Find quick answers to common questions about using Penny, security, transfers, savings, and more.
Are there any hidden fees?
No. There are no hidden fees. We believe in full transparency. If Penny introduces paid features in the future, pricing will always be clear and upfront, no surprise charges, no sneaky fine print.
What can Penny do?
Penny is your AI-powered financial companion built for Gen Z and Gen Alpha. It helps you: Understand your spending habits Track income and subscriptions Set savings goals Get personalised money insights Build smarter financial habits Plan for short- and long-term milestones Penny turns confusing financial data into simple, actionable guidance, so you can make confident money decisions every day.
How does Penny connect to my bank account?
Penny uses regulated Open Banking technology to securely connect to your bank. You log in through your bank’s own secure environment, we never see or store your banking login details. The connection is read-only, which means Penny can view transaction data to give you insights, but it cannot move or withdraw your money. All data is protected with bank-level encryption and strict financial security standards.
What banks does Penny support?
Penny supports major UK banks and financial institutions that participate in Open Banking. This includes high street banks and many popular digital banks. If your bank supports Open Banking, you’ll be able to connect it to Penny in just a few secure steps. If you’re unsure, you can check during the connection process, it only takes a minute.
Are there any hidden fees?
No. There are no hidden fees. We believe in full transparency. If Penny introduces paid features in the future, pricing will always be clear and upfront, no surprise charges, no sneaky fine print.
What can Penny do?
Penny is your AI-powered financial companion built for Gen Z and Gen Alpha. It helps you: Understand your spending habits Track income and subscriptions Set savings goals Get personalised money insights Build smarter financial habits Plan for short- and long-term milestones Penny turns confusing financial data into simple, actionable guidance, so you can make confident money decisions every day.
How does Penny connect to my bank account?
Penny uses regulated Open Banking technology to securely connect to your bank. You log in through your bank’s own secure environment, we never see or store your banking login details. The connection is read-only, which means Penny can view transaction data to give you insights, but it cannot move or withdraw your money. All data is protected with bank-level encryption and strict financial security standards.
What banks does Penny support?
Penny supports major UK banks and financial institutions that participate in Open Banking. This includes high street banks and many popular digital banks. If your bank supports Open Banking, you’ll be able to connect it to Penny in just a few secure steps. If you’re unsure, you can check during the connection process, it only takes a minute.
Are there any hidden fees?
No. There are no hidden fees. We believe in full transparency. If Penny introduces paid features in the future, pricing will always be clear and upfront, no surprise charges, no sneaky fine print.
What can Penny do?
Penny is your AI-powered financial companion built for Gen Z and Gen Alpha. It helps you: Understand your spending habits Track income and subscriptions Set savings goals Get personalised money insights Build smarter financial habits Plan for short- and long-term milestones Penny turns confusing financial data into simple, actionable guidance, so you can make confident money decisions every day.
How does Penny connect to my bank account?
Penny uses regulated Open Banking technology to securely connect to your bank. You log in through your bank’s own secure environment, we never see or store your banking login details. The connection is read-only, which means Penny can view transaction data to give you insights, but it cannot move or withdraw your money. All data is protected with bank-level encryption and strict financial security standards.
What banks does Penny support?
Penny supports major UK banks and financial institutions that participate in Open Banking. This includes high street banks and many popular digital banks. If your bank supports Open Banking, you’ll be able to connect it to Penny in just a few secure steps. If you’re unsure, you can check during the connection process, it only takes a minute.
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.