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Managing your money doesn't have to feel like hard work.
Penny includes interactive games designed to help you understand your spending habits, improve your financial knowledge and make learning about money more enjoyable.
Each game is designed to be quick, engaging and personalised to you.
Spender
Spender is Penny's interactive spending game that helps you reflect on your real-life purchases.
Instead of looking at a list of transactions, you'll be asked one simple question:
"Was it worth it?"
How It Works
Penny presents one of your recent purchases.
You simply swipe:
You'll complete ten rounds, each featuring one of your recent purchases.
There are no right or wrong answers—the goal is simply to encourage you to think differently about your spending.
Discover Your Potential Savings
At the end of the game, Penny calculates how much money you could have saved if you'd avoided the purchases you marked as Not Worth It.
You'll receive an estimate showing your potential:
Sometimes even a few small purchases can add up to a surprisingly large amount over the course of a year.
Learn About Your Spending Habits
Spender isn't just a game—it's also a learning tool.
Every decision you make helps Penny better understand:
This allows Penny to provide increasingly personalised insights and guidance over time.
Quizzy
Quizzy is Penny's money quiz designed to improve your financial knowledge in a fun, bite-sized format.
How It Works
Quizzy presents a series of multiple-choice questions covering topics such as:
Each quiz is designed to be quick, engaging and easy to complete.
See How You Performed
At the end of the quiz, Penny provides:
The goal isn't to test you—it's to help you build confidence with your finances over time.
Designed Around You
Unlike many financial tools, Penny's games use your own financial information where appropriate to make the experience more relevant and personal.
Rather than teaching generic money lessons, Penny helps you reflect on your own financial behaviour in a relaxed and engaging way.
In Summary
Penny currently includes two interactive games:
Both games are designed to make learning about money enjoyable while helping you build healthier financial habits and become more confident with your finances.

Yeeld's products and services are provided by Yeeld Financial Services LTD (15776510) and Yeeld Investments LTD(15775018), wholly owned subsidiaries of Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR.
This card is issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. Electronic money accounts and related payment services are provided by Transact Payments Limited, a payment and electronic money institution authorised and regulated by the Gibraltar Financial Services Commission (GFSC) to offer payment and electronic money services in Gibraltar and the United Kingdom. Registered office: 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA. Incorporation number 108217. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme, your funds will be held in one or more segregated accounts and safeguarded in line with Part 4 of the Financial Services (Electronic Money) Regulations 2020.
The Authorised Push Payment (APP) Fraud Reimbursement rules, that apply to bank and payment service providers for relevant UK consumer accounts,do not apply to the accounts provided by TPL.
For more information on how to prevent APP Fraud from happening, please visit our FAQ section on Fraud.
Yeeld Investment Limited (FCA no: 1019161) is an appointed representative of WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719, registered in England and Wales, no. 09686970, with a registered office at 41 Luke St, London, UK, EC2A 4DP. All assets held under custody are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000. Please refer to https://www.fscs.org.uk for more information.