Self-care for your money

Spend well, save well, invest well
All from a single app

When investing, your capital is at risk
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.

Lightning-fast onboarding in the app.

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

Lightning-fast onboarding in the app.

Say goodbye to paper forms.
Open your account in minutes, not weeks.
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. We’ll invest your money in a low cost, diversified portfolio that suits your goals. It’s super fast and it works - as simple as that.
23 days left
Automatically invest your savings at the end of the month in our portfolios
Budget your month for your needs
Track your spending easily

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.
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

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 section is held under e-money regulation in a segregated and safeguarded account at the Bank of England. 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.
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.
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.
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: Great Chapel Street 16, London, W1F 8FL, United Kingdom.
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