What is 'Penny'?

Penny is the heart of the Yeeld experience.

Think of Penny as your personal financial companion, available whenever you need help understanding your finances, exploring your spending, saving towards goals, learning about money, or simply finding your way around the app.

Unlike a traditional chatbot, Penny has access to your connected financial data and uses Yeeld's enrichment technology to understand your finances on a much deeper level.

How to access Penny

You can access Penny from the centre button on the main navigation bar.

When you open Penny, you'll see:

• New Chat – Start a fresh conversation
• Resume Previous Chat – Continue where you left off

What makes Penny different?

Penny doesn't just see your transactions.

Yeeld analyses and enriches your financial data to create a much deeper understanding of your finances, including:

• Spending categories
• Merchant recognition
• Income analysis
• Subscription detection
• Financial trends
• Budget insights
• Cashback opportunities

This means Penny can answer questions that would normally take hours to work out yourself.

Ask Penny anything

You can ask Penny questions such as:

• "How much have I spent at McDonald's this year?"
• "What are my biggest subscriptions?"
• "Help me save £1,000 for a holiday in 12 months."
• "How much did I spend on takeaways last month?"
• "Where is most of my money going?"

Penny understands natural language, so you can simply ask questions the same way you would ask a person.

Popular topics

To help you get started, Penny includes a range of popular conversation starters.

Play a Game 🎲

Learn about your finances through fun and interactive games.

Where's All My Money Going? 💸

Discover spending patterns and identify areas where you could save.

Help Me Save 📊

Get personalised suggestions based on your spending habits.

Roast Me 🔥

A humorous mode where Penny playfully highlights your spending habits.

Hype Me 😇

Celebrate your financial wins and positive progress.

Help on Using the App 🕵️

Ask Penny questions about any Yeeld feature or function.

Visual insights and charts

Sometimes it's easier to see your finances than read about them.

Penny can generate visual insights such as:

• Pie charts
• Line charts
• Bar charts
• Trend analysis

For example:

• "Show me a pie chart of my spending categories."
• "Show my coffee spending over the last 3 months."
• "Compare my spending this month to last month."

Financial insights and guidance

Penny can help you:

• Understand spending habits
• Identify recurring payments
• Find opportunities to save
• Build budgets
• Track financial goals
• Understand changes in your spending

Penny's responses are based on your financial data and activity within Yeeld.

Quick actions

Penny can also help you navigate the app and access key features faster.

Examples include:

• Send money
• View account details
• Add a bank account
• Open investment accounts
• View spending analysis
• Access rewards
• Manage cards

Daily insights and summaries

Penny may provide:

• Personalised financial facts
• Spending observations
• Weekly summaries
• Savings opportunities
• Helpful reminders and nudges

These are designed to help you stay engaged with your finances and build better habits over time.

Human support when needed

While Penny can answer most questions about your finances and the Yeeld platform, some situations require additional support.

If needed, Penny can help direct you to a member of the support team for further assistance.

Is Penny a financial adviser?

No.

Penny provides:

• Information
• Analysis
• Education
• Insights

Penny does not provide personalised financial advice or recommendations.

Any information provided is intended to help you understand your finances and make more informed decisions.

Why users love Penny

Penny combines:

• Two years of your financial history
• AI-powered analysis
• Real-time insights
• Interactive tools
• Educational content
• App support

All within a single conversation.

In summary

Penny is your AI financial companion, helping you:

• Understand your money
• Track spending
• Build better habits
• Explore insights
• Navigate Yeeld
• Stay motivated on your financial journey

The more you use Penny, the more value you'll get from your financial data.