See Your Whole Money Picture in One Place
See Your Whole Money Picture in One Place
Penny automatically organises all your transactions, spending categories, and income so you can instantly see where your money really goes. No more guesswork or manual apps, your cash flow, bills, and budgets are all in one place.
Penny automatically organises all your transactions, spending categories, and income so you can instantly see where your money really goes. No more guesswork or manual apps, your cash flow, bills, and budgets are all in one place.
Real-Time Insights That Actually Help
Penny doesn’t just show numbers it explains them. Get dynamic insights into trends, overspending, savings opportunities, and smart ways to adjust your habits.
Personalised money feedback
Personalised money feedback
Realtime money intelligentce
Realtime money intelligentce
No app download - money insights directly on WhatsApp
No app download - money insights directly on WhatsApp
Real-Time Insights That Actually Help
Penny doesn’t just show numbers it explains them. Get dynamic insights into trends, overspending, savings opportunities, and smart ways to adjust your habits.
Personalised money feedback
Realtime money intelligentce
No app download - money insights directly on WhatsApp
Money Intelligence That Fits Your Life
Set goals. Track progress. Win. Whether you’re saving for a trip, a laptop, or first investment stack, Penny helps you break big goals into clear daily and weekly steps.
Money goals that fit your lifestyle
Money goals that fit your lifestyle
Set Goals. Track Progress. Win
Set Goals. Track Progress. Win
Real money goals based on your money habbits
Real money goals based on your money habbits
Money Intelligence That Fits Your Life
Set goals. Track progress. Win. Whether you’re saving for a trip, a laptop, or first investment stack, Penny helps you break big goals into clear daily and weekly steps.
Money goals that fit your lifestyle
Set Goals. Track Progress. Win
Real money goals based on your money habbits
Security From Day One
Connect securely to your bank using regulated Open Banking protocols. Data is encrypted and protected with best-in-class security standards.
Open Banking tech & encryption
Open Banking tech & encryption
Secure, bank-level protection
Secure, bank-level protection
Access your money data anywhere anytime
Access your money data anywhere anytime
Security From Day One
Connect securely to your bank using regulated Open Banking protocols. Data is encrypted and protected with best-in-class security standards.
Open Banking tech & encryption
Secure, bank-level protection
Access your money data anywhere anytime
Clear Confidence With Data You Can Trust
Clear Confidence With Data You Can Trust
Level up your money game with Penny’s extra features built to give you clarity, smarter moves, and full control wherever you are.
Level up your money game with Penny’s extra features built to give you clarity, smarter moves, and full control wherever you are.
Boost your savings through intelligent savings tailored to your financial goals and realistic spending patterns, ensuring you reach your targets effortlessly
Boost your savings through intelligent savings tailored to your financial goals and realistic spending patterns, ensuring you reach your targets effortlessly
Boost your savings through intelligent savings tailored to your financial goals and realistic spending patterns, ensuring you reach your targets effortlessly
No confusing financial jargon. Just simple, straight-up insights that helps you understand your money and make smarter moves.
No confusing financial jargon. Just simple, straight-up insights that helps you understand your money and make smarter moves.
Protect your data and transactions with end to-end encryption, biometric login, and multi-factor authentication.
Protect your data and transactions with end to-end encryption, biometric login, and multi-factor authentication.
Protect your data and transactions with end to-end encryption, biometric login, and multi-factor authentication.
Get instant updates and visual reports to understand your spending patterns and improve your financial decisions.
Get instant updates and visual reports to understand your spending patterns and improve your financial decisions.
Get instant updates and visual reports to understand your spending patterns and improve your financial decisions.
Set up automatic payments for bills, rent, or subscriptions and never miss a due date again.
Set up automatic payments for bills, rent, or subscriptions and never miss a due date again.
Set up automatic payments for bills, rent, or subscriptions and never miss a due date again.
Track, plan, and master your finances
Manage your money easily with Fintiq—set budgets, monitor expenses, and achieve savings goals, all in one seamless app experience.
Build budgets that match your lifestyle and adjust automatically to your habits.
Build budgets that match your lifestyle and adjust automatically to your habits.
Build budgets that match your lifestyle and adjust automatically to your habits.
Build budgets that match your lifestyle and adjust automatically to your habits.
Track, plan, and master your finances
Manage your money easily with Fintiq—set budgets, monitor expenses, and achieve savings goals, all in one seamless app experience.
Build budgets that match your lifestyle and adjust automatically to your habits.
Build budgets that match your lifestyle and adjust automatically to your habits.
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.
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.