What Can Penny Do?

Penny is much more than a chatbot.

She's your AI financial companion, designed to understand your finances, answer your questions, help you make better financial decisions and even take action for you within Yeeld.

As Penny continues to learn and evolve, new capabilities will be added over time.

See All Your Money in One Place

Penny can understand information from both your Yeeld GBP Account and your connected bank accounts.

Instead of switching between different financial apps, Penny helps you understand your finances as a whole by bringing everything together into one conversation.

Understand Your Spending

Ask Penny questions like:

• "Where did I spend the most this month?"
• "How much have I spent on eating out?"
• "What subscriptions am I paying for?"
• "Why did I spend more than usual last month?"

Penny analyses your spending and explains it in simple, easy-to-understand language.

Receive Daily Financial Facts

Every day, Penny can surface interesting facts and insights about your finances.

These bite-sized updates help you stay connected to your money without needing to dig through your transactions.

Examples include:

• Spending milestones.
• Changes in your habits.
• Interesting trends.
• Money-saving opportunities.
• Personal achievements.

Weekly and Monthly Financial Round-Ups

Penny automatically creates easy-to-read summaries of your finances.

Your round-ups may include:

• Total income and spending.
• Where your money went.
• Categories that increased or decreased.
• Savings progress.
• Key achievements.
• Areas to improve.

Rather than analysing your finances yourself, Penny highlights the most important insights for you.

Help You Plan Ahead

Penny can help you think ahead by:

• Planning for upcoming expenses.
• Setting financial goals.
• Creating savings plans.
• Helping you prepare for major purchases.

She's there to help you make informed decisions, not just look at what has already happened.

Create and Improve Budgets

Penny can help you build budgets that work for your lifestyle.

She can also highlight where you're:

• Spending more than expected.
• Staying within budget.
• Making positive financial progress.

Spot Overspending

Penny automatically looks for spending patterns that may be costing you more than you realise.

She can highlight areas where you may be overspending and suggest opportunities to save money.

Benchmark Your Finances

One of Penny's most powerful features is benchmarking.

Using anonymised insights from over one million users, Penny can help you understand how your finances compare with people who are similar to you.

For example, you may be able to compare your spending with people of a similar:

• Age.
• Location.
• Salary.
• Lifestyle.

This helps provide valuable context while protecting every user's privacy.

Track Your Investments

Penny can help you understand how your investments are performing.

Depending on the investment products you hold, Penny can:

• Track your portfolio performance.
• Explain changes in value.
• Summarise your holdings.
• Answer questions about your investments.
• Help you better understand your long-term progress.

Learn Through Games

Managing money doesn't have to be boring.

Penny includes interactive experiences designed to help you learn more about your finances, including:

• Spender, a game that challenges your spending decisions.
• Financial quizzes that build your financial knowledge in an engaging way.

Roast Mode and Hype Mode

Sometimes you need tough love.

Sometimes you deserve a celebration.

Penny includes both Roast Mode and Hype Mode—light-hearted ways to reflect on your financial habits.

Whether she's celebrating a great month or playfully pointing out areas for improvement, the goal is always to encourage healthier financial behaviours.

Help You Use Yeeld

Not sure where to find a feature?

Need help understanding how something works?

Penny can answer questions about the Yeeld app and guide you through its features, making it easier to get the most from your account.

Take Action for You

For eligible users, Penny doesn't just provide information—it can also help you get things done.

Depending on your account and subscription, Penny may be able to:

• Create Saving Vaults.
• Move money between eligible Yeeld products.
• Set up automations.
• Manage parts of your Yeeld account.
• Complete actions without navigating multiple screens.

Automate Your Money

Penny can help automate parts of your financial life, making it easier to build healthy money habits.

This may include helping you create automations that move money between your eligible Yeeld products based on rules and preferences you choose.

And This Is Just the Beginning

Penny is constantly evolving.

New capabilities are added regularly, making her smarter, more personalised and even more helpful over time.

As Penny grows, she'll continue to become the central place where you understand, manage and improve every aspect of your financial life.

In Summary

Penny helps you:

• See all your Yeeld and connected accounts in one place.
• Understand your spending.
• Receive daily financial facts and insights.
• Get weekly and monthly financial summaries.
• Create plans and budgets.
• Identify overspending.
• Benchmark yourself against over one million similar users.
• Track and better understand your investments.
• Learn through interactive games.
• Enjoy Roast Mode and Hype Mode.
• Get help using the Yeeld app.
• Take actions within your Yeeld account.
• Automate parts of your financial life.

Penny is designed to become your everyday AI financial companion—helping you understand your money, build better habits and make smarter financial decisions with less effort.