pricing

Early access offer £10/month
First month free. Cancel anytime.
Everyday banking
checkUK £ account and limited edition Visa card with free delivery
checkSpend abroad, at the Visa rate
checkSend and receive money internationally, no hidden fees
checkATM withdrawals in over 150 countries at the Visa rate
checkHuman-handled customer support via phone and in-app chat
Investment
checkProfessionally managed investment portfolios
checkNo minimum investment
checkRegular rebalancing and reinvesting of dividend
checkNo management fees, you only pay low custody and product fees
checkNo entry or exit fees
Further details
International
International
Using your card abroad
Say goodbye to high fees.
We never charge any commission or markups and you directly get the Visa exchange rate.
See the Visa exchange rate
Sending money abroad
We will always give you the best exchange rate that we can, with no additional transfer fees, commissions or mark-ups. You will see the exact exchange rate in the app prior to making any transfers, so there are no surprises.
For an investment of
£2.50
Custody fees
+
£5.00
Product fees
=
£7.50 per month
Total investment fees
Pound
Investment fees
Custody fees
We are committed to offering you the lowest fees when it comes to investing your money. This is why we partnered with one of the best custodians in the UK to hold your investment portfolios. They charge a low monthly fee of 0.0125% which we directly pass on to you - no mark-ups, no additional fees from us. 100% transparent.
Product fees
Fund providers charge a small fee to purchase their products, like ETFs. These fees typically range from 0.02% to 0.03% monthly and are taken directly by the fund providers. We intentionally construct our portfolios to keep these fees low.
Using your card abroad
Say goodbye to high fees.
We never charge any commission or markups and you directly get the Visa exchange rate.
See the Visa exchange rate
Custody fees
We are committed to offering you the lowest fees when it comes to investing your money. This is why we partnered with one of the best custodians in the UK to hold your investment portfolios. They charge a low monthly fee of 0.0125% which we directly pass on to you - no mark-ups, no additional fees from us. 100% transparent.
Sending money abroad
We will always give you the best exchange rate that we can, with no additional transfer fees, commissions or mark-ups. You will see the exact exchange rate in the app prior to making any transfers, so there are no surprises.
Product fees
Fund providers charge a small fee to purchase their products, like ETFs. These fees typically range from 0.02% to 0.03% monthly and are taken directly by the fund providers. We intentionally construct our portfolios to keep these fees low.
For an investment of
£2.50
Custody fees
+
£5.00
Product fees
=
£7.50 per month
Total investment fees
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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