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First month FREE. Then £10 / month (early access offer).


• TechCrunch: "New challenger ikigai combines digital banking and wealth management"

• Fintech Futures: "ikigai launches in UK to disrupt the asset percentage pricing model"

• Plus: Finextra, Glamour, AltFi, IBS Intelligence, 11:FS and more.


We built ikigai specifically for those who want to bring their lifestyle to the next level by taking better care of their finances. ikigai beautifully combines wealth management and everyday banking in one single app. And by doing so, it creates a whole new world of opportunities.


Inflation is eating up your savings every day. You considered investing, but traditional investment accounts are clunky and full of jargon. We set out to design the smoothest wealth management experience ever created. We’ll invest your money in a low cost, diversified portfolio that suits your goals. It’s super fast and it works - as simple as that.


Bad surprises are never pleasant, even more so when it comes to money. Each time you add money to your account, YOU decide whether you want to spend it, save it or invest it, or any mix of the three. With ikigai, you don't have to worry about overspending anymore.


We have redesigned banking from the ground up. Starting from a blank slate, we crafted a banking experience like no other - with live notifications, smart categories, intuitive card controls and hassle-free transfers to the world.


You like to travel, so do we. You hate hidden fees, so do we! With ikigai, you travel stress-free. When you pay with your card, the Visa exchange rate will apply - no commission. When sending money abroad, you can check the exchange rate directly in the app - again, no commission.

When investing, your capital is at risk.

What’s New

Version 1.10

We are busy working in the background on some new features that will improve your investment experience with ikigai, stay tuned! In the meantime, for this release, we are adding the option to invite your friends more easily through the app as well as to rate us on the App store.

Ratings and Reviews

4.3 out of 5
30 Ratings

30 Ratings

Zarathustra123 ,

Banking made easy, investment made easier

I use ikigai as a supplement to my banking apps and with a focus on budgeting/saving/investing. That said, I’m now considering switching over to it as a primary banking app and would happily recommend it as an alternative to most of the other solutions out there (I’ve tried at least four, including both mainstream and challenger banks).

What I like about ikigai is particularly:
- strong user interface that is easy to navigate and helps you quickly find what you need (rather than crowding you out with functionality)
- Intuitive categorization of expenses that gets smarter as you go (this easily beats other budgeting apps I have used in helping me see how much I’ve spent on key expenses over time)
- easy way to save and invest based on targets (near and long term) as well as risk appetite. Much simpler (and frankly more enjoyable) than having a brokerage account.

If you are looking for a simple, no-fuss way to save and invest on the go, this is really for you. If you love to get into the numbers of where your pay cheque went (and optimize!) then this is also really for you.

Developer Response ,

Thank you very much, Zarathustra123! We are so glad you are enjoying so many facets of ikigai, from the user interface, to the expense categorisation, to the investing. We are excited to potentially become your primary banking app :-) Please don't hesitate to reach out if there's anything we can help you with, we are always here!

henna ashfaq ,

Everything was fine until they have locked my account

They have locked my account, asked for further verification of my payment which I provided within 10 minutes of receiving the email, single mother and have anxiety which goes through the roof, they’ve told me unable to activate my account the same day I haven’t had any more communication from them, I feel really let down as I have heard bad reviews from most online banks but was assured this wouldn’t be a problematic one upon the zoom call I had with ina. I’ve been stress and I well since this, I have no access to my funds over the weekend with a child to look after, I’m not happy and feel I haven’t been taken seriously I understand banks have these checks however they should be dealt with quickly given circumstances that we are in and my personal issues!!

Developer Response ,

We're afraid that we can't give any more information about why we suspended your account on here. We're regulated by the FCA, which means we have to follow rules from the FCA around what we can say. But we don't suspend accounts without a good reason, and we do everything we can to make sure that people aren't left in a bad situation.

Slonny ,

Finally an easy way to invest

I have been struggling to find an easy way to invest my money that generates better rates than typical savings accounts and doesn’t require jumping through hoops every time I want to move my money in or out. Ikigai is the perfect solution, with an app that brings personal finance to the 21st century, great communication, personalised service, and easy investing with a variety of options to suit your risk appetite. It also gives great exchange rates for when I need to travel! Highly recommended!

Developer Response ,

Thanks for sharing your ikigai experience Slonny, so glad we are able to make investing more accessible for you! Please don't hesitate to reach out if you need anything at all :-)

App Privacy

The developer, Ikigai Invest Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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