Self-care
for your money

Spend, save and invest, all in one place

When investing, your capital is at risk

Self-care
for your money

ikigai is designed for your life

ikigai is designed for your life.

We built ikigai specifically for those who want to bring their lifestyle to the next level by taking better care of their finances. ikigai beautifully combines wealth management and everyday banking in one single app. And by doing so, it creates a whole new world of opportunities.
Unlock your potential.

Unlock your potential.

Inflation is eating up your savings every day. You considered investing, but traditional investment accounts are clunky and full of jargon. We set out to design the smoothest wealth management experience ever created. So, we designed five portfolios with five different risk levels. We collaborate with BlackRock who provide asset allocation guidance. And we’ll invest your money in one of these low cost, diversified portfolios that suits your goals. It’s super fast and it works - as simple as that.
logologo

Apple Pay.

Pay safer and faster using
your
ikigai Visa Debit card
with Apple Pay.

ikigai client testimonial

Katrina Yavash

Associate, Consulting

ikigai makes managing my money effortless, the aesthetic is really clean and the interface is intuitive.

ikigai is designed for your life

Corina Dobrea

Investment Professional, Investment Bank

I am a really difficult customer when it comes to investing my money and ikigai really overdelivers on the experience. Their portfolios are well thought-through and are great for beginners and experts alike.

ikigai client testimonial

Nicolo Portunato

Co-Founder, Gaming startup

I've joined ikigai as they are offering an all-in-one app for wealth management with no minimum investment. My ikigai card quickly replaced my Revolut card as they are also offering a great exchange rate!

ikigai client testimonial

David Wright

Strategy Manager, Airlines Group

10/10 on the onboarding call, I loved chatting with Ina, such a personal experience.

Stay in touch.

Stay in touch.

Your money deserves great service. So we built ikigai for people who care about great service. Every new customer is put in contact with one of our Relationship Managers. That person will be here for you for all your banking and investing questions and requests.
You are in control.

You are in control.

Inspired by kakeibo - the Japanese century old way of managing your money - we give you the information you need to always stay on top of your finances. Be confident to make the best money decisions - save, invest or splurge, it’s your choice.
Banking done right.

Banking done right.

We have redesigned banking from the ground up. Starting from a blank slate, we crafted a banking experience like no other - with live notifications, smart categories, intuitive card controls and hassle-free transfers to the world.
flash

Lightning-fast onboarding in the app.

Say goodbye to paper forms.
Open your account in minutes, not weeks.
flash

Lightning-fast onboarding in the app.

Say goodbye to paper forms.
Open your account in minutes, not weeks.
No bad surprises.

No bad surprises.

A separate account ideal for putting aside money that you don’t want to spend, so you can avoid nasty surprises when it's time to pay your bills or have an unexpected financial emergency.
Reach the world.

Reach the world.

You like to travel, so do we. You hate hidden fees, so do we! With ikigai, you travel stress-free. When you pay with your card, the Visa exchange rate will apply - no commission. When sending money abroad, you can check the exchange rate directly in the app - again, no commission.

ikigai in detail

Pounds
Full service
Make and receive payments, set up direct debits, pay your bills, transfer money abroad. All with your own unique account number.
Safety Box
ikigai is not a bank
Your money in the Everyday and Nest sections is held under e-money regulation in a segregated and safeguarded account at a partner bank. We never lend out your money.
Coin Stack
No minimum
Experience what investing feels like. Start with as little as £1 thanks to our fractional share technology.
Finance
Withdraw anytime
You can withdraw your investments anytime. If you need to withdraw your money from your investment account, it will take typically a week to get your funds back.
Woman
Managed by humans
We rely on more than just algorithms. Our experienced investment team uses a combination of academic insights, technology and market knowledge to manage your money.
Security
Your data is safe
We use military-grade encryption (256 bit) to give you complete privacy, and we will never sell your data.
The value of your portfolio with ikigai can go down as well as up and you may get back less than you invested. Returns are not guaranteed and any historical returns, expected returns, or probability projections referenced on our website may not reflect actual future performances. You should seek financial advice if you are unsure about investing.
ikigai is not a bank. ikigai is a trading name of Ikigai Invest Services Ltd, a company registered in England and Wales (Company number: 12011662). Ikigai Invest Services Ltd is registered with the Financial Conduct Authority (FCA) as an EMD Agent (reference number: 902740) of PayrNet Limited, an Electronic Money Institution authorised by the FCA (reference number: 900594) and is an appointed representative of WealthKernel (reference number: 723719) which is authorised and regulated by the Financial Conduct Authority. Registered address: The Harley Building, 77 New Cavendish Street, London, W1W 6XB
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