How to Complete Your Profile Setup

Yeeld is designed to get you up and running quickly while only asking for information when it's genuinely needed.

The amount of information we collect depends on which services you choose to use.

Step 1: Create your free Yeeld account

To get started, you'll need:

• An email address
• A mobile phone number

Once these are verified, you'll be asked to connect at least one financial account.

Why do I need to connect an account?

Yeeld is powered by your financial data.

Without connected account data:

• Penny can't analyse your finances
• Insights can't be generated
• Spending analysis won't work
• Budgeting tools won't function

Connecting an account brings the Yeeld experience to life and allows the platform to begin building a picture of your financial world.

Step 2: Personalise your experience

You'll then be asked a few quick questions to help personalise your experience.

These questions are designed to help tailor the app and may include things such as:

• Age band
• Income band
• Region
• Financial goals

We use ranges and categories rather than exact values wherever possible.

Step 3: Start using Yeeld

Once you've completed these steps, you're ready to go.

At this stage you're considered a Yeeld Connect user and can access:

• Penny AI
• Spending insights
• Account aggregation
• Transaction analysis
• Cashback rewards
• Budgeting tools
• Financial education content

No identity verification required

At this stage:

• No KYC is required
• No ID documents are required
• No proof of address is required

This allows you to start benefiting from Yeeld immediately.

Upgrading to Yeeld Companion (Premium)

If you choose to upgrade to Yeeld Companion, you'll unlock Yeeld's financial products and premium benefits.

These include:

• A Yeeld account
• Sort code and account number
• Visa debit card
• Investment portfolios
• ISA accounts
• GIA accounts
• SIPP accounts
• Double cashback rewards
• Additional premium features

Because these are regulated financial services, additional information is required.

Identity verification (KYC)

To access Yeeld's financial products, you'll need to complete identity verification.

This typically includes:

• Full name verification
• Identity document verification
• Address verification

These checks help protect your account and are required by financial regulations.

Opening investment accounts

If you choose to open an:

• ISA
• GIA
• SIPP

You'll be asked for some additional information, including:

• National Insurance Number (where required)
• Suitability information
• Investment objectives
• Tax wrapper declarations (for ISA and SIPP accounts)

You'll also need to accept the relevant Investment Terms & Conditions.

Opening a Yeeld account

When opening a Yeeld account, you'll be asked a few additional questions about:

• How the account will be used
• Expected funding sources
• General account activity

These questions are required for regulatory and compliance purposes.

You'll also need to accept the Yeeld Account Terms & Conditions before the account can be opened.

Your profile grows with you

One of Yeeld's core principles is only collecting information when it's needed.

This means:

• You can start quickly with minimal information
• Additional details are only requested when you access regulated services
• Your profile naturally expands as you unlock more features

In summary

Free Yeeld Connect users can access:

• Penny AI
• Connected accounts
• Spending insights
• Cashback rewards
• Financial analysis

With:

• Email verification
• Phone verification
• At least one connected account

Premium Yeeld Companion users can additionally access:

• Yeeld accounts and cards
• Investments
• ISAs, GIAs and SIPPs
• Premium rewards and features

With:

• Identity verification (KYC)
• Additional regulatory information
• Relevant product agreements and declarations

This approach keeps onboarding simple while ensuring the right information is collected when you choose to access Yeeld's financial services.