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ikigai is a new premium fintech putting self-care at the heart of personal finance. Uniquely combining wealth management with everyday banking, we empower clients to spend well, save well, and invest well – all from the same app. Distinctively and elegantly designed at every touchpoint –  from app to site to the card – and with a flat-fee subscription model that is fair and transparent, we provide a holistic approach to your finances. When investing, capital is at risk and the value of investments may go down as well as up.

We’re not copying traditional banks, nor other challenger fintechs. We’ve learned from them –  working with best-in-class technology partners to provide a best-in-class service that truly puts the client at the heart of everything we do. ikigai has already received £2 million in seed investment.

We are an electronic money institution, authorised to handle money, facilitate business transactions and currency exchanges. We do not offer certain financial protections, such as the FSCS deposit guarantee. All money held in our current and saving accounts are safely in a segregated and safeguarded account at the Bank of England. All investments are held by WealthKernel, a UK-based custodian, regulated by the FCA. As such client investments are eligible for compensation for up to £85,000 by the FSCS.

ikigai is currently available to download in the Apple App Store.