SAVVY ✦ SECURITY

Your financial data,
handled like it matters.

Savvy reads your accounts to build your financial picture. It never touches your money without your explicit say-so. Here's exactly how that works, not just the marketing version.

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Read-only by default
Savvy connects to build your financial picture. Nothing moves without your explicit setup and consent first — and only ever exactly the way you've configured it.
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Payments need real consent
Every real transfer — like your Payday Plan running automatically — is something you deliberately configured. PSD2 also requires Strong Customer Authentication through your own bank for the payment itself.
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Your bank login never touches Savvy
Your banking credentials go directly to your bank through Qwist's regulated connection. Savvy never sees them and never stores them.
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AES-256 encryption
Your data is encrypted in transit and at rest, the same standard used across the banking industry.
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Two-factor authentication
Optional authenticator-app 2FA with backup codes, plus biometric app lock (Face ID / Touch ID / fingerprint) so your account stays yours even if your phone doesn't.
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Your data is never for sale
Savvy makes money when the product is genuinely useful to you, not from selling or renting out your financial information. Not to advertisers, not to anyone.
HOW THE PIECES FIT TOGETHER

Who's actually responsible for what.

Savvy isn't a bank. It doesn't hold your money, issue cards, or offer credit — your money stays exactly where it already is, at your own bank. That's a deliberate design choice, not a limitation: Savvy's job is to see across every account you already have and act on your behalf, not to become another place your money lives.

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Qwist handles the regulated banking connection
Qwist is a PSD2-regulated open banking provider, licensed for both account information (reading your transactions and balances) and payment initiation (executing a transfer you've authorised). That license, not Savvy's own infrastructure, is what makes the bank connection itself legally possible.
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Savvy is the layer on top
Savvy reads what Qwist provides, turns it into a single financial picture, and — only with your explicit rule-based setup — asks Qwist to execute a payment on your behalf. Savvy never moves money outside that regulated pipeline.
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Your rights are GDPR rights
Access, correction, deletion, portability, and objection — all available directly in the app or by emailing us, with a named legal basis for every category of data we process. The full detail is in our Privacy Policy.

This page is a plain-language summary. The Privacy Policy and Terms of Service are the governing documents.

PRIVATE BETA

Your money deserves
better than silence.

Join the early access list. We'll reach out when your spot is ready.

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iOS · Android · Europe · Free during beta