Your Money. Protected by Design.
Your Money. Protected by Design.
At Penny, security isn’t a feature it’s our foundation.
We use regulated Open Banking technology to securely connect to your bank, without ever seeing or storing your login details. Every connection is encrypted, consent-based, and protected by the same standards used by major financial institutions. Because building wealth starts with building trust.
At Penny, security isn’t a feature it’s our foundation.
We use regulated Open Banking technology to securely connect to your bank, without ever seeing or storing your login details. Every connection is encrypted, consent-based, and protected by the same standards used by major financial institutions. Because building wealth starts with building trust.
🛡️ Bank-Level Security
When you connect your bank to Penny, you log in directly with your bank using secure Open Banking technology. We never see or store your password, and all data is encrypted and protected by Strong Customer Authentication — so your credentials always stay with your bank.
Protected through Strong Customer Authentication (SCA)
Protected through Strong Customer Authentication (SCA)
We never see or store your banking details
We never see or store your banking details
Regulated Open Banking technology
Regulated Open Banking technology
🛡️ Bank-Level Security
When you connect your bank to Penny, you log in directly with your bank using secure Open Banking technology. We never see or store your password, and all data is encrypted and protected by Strong Customer Authentication — so your credentials always stay with your bank.
Protected through Strong Customer Authentication (SCA)
We never see or store your banking details
Regulated Open Banking technology
🔐 No Password Sharing. Ever
Unlike older financial apps that require you to share your login details, Penny connects using secure Open Banking APIs. That means no screen scraping, no storing passwords, and no risky third-party access. Just encrypted, token-based connections that you approve and control.
No screen scraping
No screen scraping
No Storing passwords
No Storing passwords
No risky third-party access
No risky third-party access
🔐 No Password Sharing. Ever
Unlike older financial apps that require you to share your login details, Penny connects using secure Open Banking APIs. That means no screen scraping, no storing passwords, and no risky third-party access. Just encrypted, token-based connections that you approve and control.
No screen scraping
No Storing passwords
No risky third-party access
📋 Regulated & Compliant
Penny operates on regulated Open Banking infrastructure that complies with UK and European Open Banking standards, PSD2 security regulations, and Financial Conduct Authority (FCA) requirements. These frameworks are designed to safeguard your financial data, enforce strict security controls, and prevent misuse.
UK & European Open Banking standards
UK & European Open Banking standards
PSD2 security regulations
PSD2 security regulations
Financial Conduct Authority (FCA) requirements
Financial Conduct Authority (FCA) requirements
📋 Regulated & Compliant
Penny operates on regulated Open Banking infrastructure that complies with UK and European Open Banking standards, PSD2 security regulations, and Financial Conduct Authority (FCA) requirements. These frameworks are designed to safeguard your financial data, enforce strict security controls, and prevent misuse.
UK & European Open Banking standards
PSD2 security regulations
Financial Conduct Authority (FCA) requirements
Built for a Generation That Expects Better
Built for a Generation That Expects Better
Penny is built on modern financial infrastructure designed for digitally native generation. Secure, regulated, encrypted, and user-controlled from the ground up.
Penny is built on modern financial infrastructure designed for digitally native generation. Secure, regulated, encrypted, and user-controlled from the ground up.
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.
Penny uses end-to-end encryption, secure authentication, continuous monitoring, and strict access controls to keep your data protected with security reinforced at every step.
Penny uses end-to-end encryption, secure authentication, continuous monitoring, and strict access controls to keep your data protected with security reinforced at every step.
Penny uses end-to-end encryption, secure authentication, continuous monitoring, and strict access controls to keep your data protected with security reinforced at every step.
We believe security starts with clarity. Penny gives you clear consent screens, transparent data usage, no hidden permissions. We never sell your data.
We believe security starts with clarity. Penny gives you clear consent screens, transparent data usage, no hidden permissions. We never sell your data.
We believe security starts with clarity. Penny gives you clear consent screens, transparent data usage, no hidden permissions. We never sell your data.
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.
Is Penny safe to connect to my bank?
Yes. Penny uses regulated Open Banking technology, which means you connect directly through your bank’s secure environment. We never see or store your banking password, and all data is encrypted and protected with Strong Customer Authentication (SCA).
Does Penny store my bank login details?
No, never. You log in directly with your bank, and your credentials stay with your bank at all times. Penny uses secure, token-based access instead of storing usernames or passwords.
Can I control or remove access to my accounts?
Absolutely. You choose which accounts to connect and can revoke access at any time through your bank. Open Banking is fully consent-driven, meaning you’re always in control of your data.
Does Penny sell or share my financial data?
No. Penny does not sell your financial data. Your information is used only to provide you with money insights and features nothing more. Your data belongs to you.
Frequently asked questions
Frequently asked questions
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.