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About Us

About Us
  • Smarter Money, Built with AI.
  • We started Yeeld with a simple idea:
    What if your financial app was smart enough to think for itself?
  • Founded by three Brits who saw how broken traditional banking had become — from poor personalisation to overwhelming data and outdated tools — Yeeld was built to solve one thing:
    Helping people make smarter financial decisions, instantly.
A First-of-Its-Kind Financial Experience
  • Yeeld is the world’s first AI-led financial app.
  • We’ve developed our own proprietary AI, built fully in-house, that connects to users’ bank accounts via Open Banking and delivers instant, powerful insights. We’ve reimagined everything — from onboarding to everyday usage — to put intelligence, automation, and real action at the heart of finance.
  • Whether someone wants to understand their spending, get a better deal on broadband, switch car insurance, or invest for their future — Yeeld makes it instant, easy, and engaging.
Why We Exist
  • Traditional finance is reactive.
  • Yeeld is proactive.
  • While legacy apps simply show you a list of transactions, Yeeld Connect digs deeper — analysing years of spending, benchmarking behaviour against over 13 billion transactions, and surfacing insights that actually help.
  • From the very first interaction, users get Spotify Wrapped-style insights about their financial behaviour — no lengthy forms or painful KYC needed to get started.
Our Features, Reimagined
  • Yeeld is proactive.
  • AI-Powered Insights - Turn decades of financial data into clarity, instantly. - Turn decades of financial data into clarity, instantly.
  • Penny, Your AI Financial Assistant - Ask complex questions, get instant answers. - Ask complex questions, get instant answers.
  • Smart Banking Tools - Visa debit cards, Apple Pay, Google Pay, and connected accounts.
  • Automatic Cashback & Rewards - No forms. No effort. Just money back, automatically.
  • BlackRock Investments - Fully managed portfolios with FSCS protection and government tax wrappers (ISA, GIA, SIPP).
  • Smart Budgeting & Forecasting - Overspending alerts, bill reminders, roundups, and more.
  • All in one place. All built to scale.
Safe. Compliant. Scalable.
  • Yeeld operates through trusted, regulated partners.
  • We’re integrated with the UK’s Open Banking framework
  • Our investments are FSCS protected up to £85k
  • Visa cards backed with Apple Pay and Google Pay
  • Regulated by the Gibraltar Financial Services Commission
  • And because our AI is built entirely in-house, our technology is 100% proprietary — giving us flexibility, control, and scalability.
Our Mission
  • To give everyone access to a smarter financial future.
  • To empower action, not just understanding.
  • To simplify the complex.
  • To build the financial app of tomorrow — today.
Yeeld — Save. Earn. Grow.
Save. Earn. Grow.
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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.

Yeeld Financial Services are a co-brand of Payload Ltd, who act as a Programme Manager under Transact Payments Limited (TPL), a company which is incorporated and registered in Gibraltar with company number 108217 and registered office is at 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA. Transact Payments Limited is a licensed electronic money institution authorised and regulated by the Gibraltar Financial Services Commission to issue electronic money and provide payment services. Your account and related payment services are provided by Transact Payments Limited. 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.Yeeld's cards are issued by Transact Payments Limited pursuant to licence by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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.