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Frequently Asked Questions

Welcome to the Yeeld FAQ section. Here you’ll find quick answers to the most common questions about Yeeld, how it works, and how to get the most out of your experience.
Getting Started
AI & Insights
Banking & Cards
Cashback & Rewards
Investing & Savings
Security & Support
3DS Secure
Glossary of Terms – TPL (TransactPay Limited)
Additional Questions
Still have questions? Visit the Help page or get in touch with our support team.
What is Yeeld?
Yeeld is an AI-powered financial app that helps you understand your money, save smarter, earn rewards, and invest with ease
Is Yeeld a bank?
Yeeld is not a bank. We are an AI-led financial app offering powerful features through
regulated partners.
How do I join Yeeld?
Download the Yeeld app and get started with Yeeld Connect by securely entering your sort code and account number. You’ll gain instant insights using our Open Banking connection, once you agree to our Terms and Conditions.
Is there a cost to join?
Yeeld is free to download and start using. We also offer a Premium subscription with access to additional features and exclusive tools.
What is Yeeld Connect?
Yeeld Connect is the gateway to your financial insights. By securely linking your existing bank account using your sort code and account number, Yeeld Connect uses Open Banking technology to analyse up to six years of your transaction history. This enables us to generate powerful insights and personalised recommendations, all without needing full KYC verification to get started.
How does Yeeld use AI?
Our proprietary AI analyses over 10.5 billion transactions to give you hyper-personalised insights and money-saving prompts.
What can I ask Penny?
Anything about your spending, bills, investments or budget. Penny understands natural language and gives instant, helpful answers.
Is my data safe?
Yes. We use bank-grade encryption, are fully compliant with Open Banking, and never sell your data.
Do I get a card with Yeeld?
Yes. You can order a Visa debit card and start using Apple Pay or Google Pay instantly.
Can I connect my existing bank?
Yes. Yeeld supports all major UK banks through Open Banking. You can view, manage and analyse your accounts in one place.
What happens if I lose my card?
Freeze your card instantly in the app and contact Yeeld support for a replacement.
How do cashback rewards work?
Just use your Yeeld card at participating retailers. Cashback is applied automatically with no forms or extra steps.
When do I receive cashback?
Cashback appears in your account shortly after your purchase has cleared.
Can I invest through Yeeld?
Just use your Yeeld card at participating retailers. Cashback is applied automatically with no forms or extra steps.
Is investing safe?
All investments carry risk, but we only partner with FCA-approved providers and funds are FSCS-protected up to £85,000.
How do I deposit or withdraw?
You can deposit or withdraw anytime directly in the app.
What if I suspect fraud?
Freeze your card and contact our support team immediately via the app, phone or email.
How do I contact Yeeld support?
Use the in-app chat (available 24/7), email us, or call. We’re here 7 days a week.
Where can I find more guides?
Visit our Help section for user guides and in-depth how-tos.
What is 3DS?
3DS (also known as ‘Mastercard SecureCode’, ‘Identity Check’ and ‘Verified by Visa’) is a standard that helps reduce fraud and provides extra security for online payments. It ensures only you can authenticate purchases made with your card.
What is the use of Authentication?
Authentication adds another layer of security to online transactions, making it harder for fraudsters to access your payment details.
Is 3DS active on my card?
Yes. Your Yeeld card is automatically enrolled in Mastercard SecureCode (3DS). When you make online purchases at supported retailers, your card will be recognised and you’ll be prompted to authenticate the transaction.
What is the process for Authentication?
You’ll receive a 6-digit One Time Password (OTP) via SMS or email to the registered contact details with your card. Enter the OTP on the checkout screen and submit it to complete the transaction.
How will I know whether the registered mobile number or email address is the right one?
If you suspect any fraudulent activity, freeze your card in the app and contact Customer Services immediately on (enter number).
Maintaining the account
The account provider operates the account for use by the customer.
Standing Order
The account provider makes regular transfers, on the instruction of the customer, of a fixed amount of money from the customer’s account to another account.
Direct Debit
The customer permits someone else (recipient) to instruct the account provider to transfer money from the customer’s account to the recipient. The account provider then transfers money to the recipient on a date or dates agreed by the customer and the recipient. The amount may vary.
Refusing a payment due to lack of funds
The account provider refuses a payment from the customer’s account because there is not enough money in it (or it would take the customer past their arranged overdraft limit).
Sending money within Gibraltar
The account provider transfers money, on the instruction of the customer, from the customer’s account to another account in Gibraltar.
Sending money outside Gibraltar
The account provider transfers money, on the instruction of the customer, from the customer’s account to another account outside Gibraltar.
Receiving money from outside Gibraltar
Money is sent to the customer’s account from an account outside Gibraltar.
Cash withdrawal in Pound Sterling in Gibraltar
The customer takes cash out of the customer’s account in Pound Sterling at a cash machine, bank, or Post Office in Gibraltar.
Cash withdrawal in foreign currency outside Gibraltar
The customer withdraws cash out of the customer’s account in a foreign currency at a cash machine or, where available, at a bank outside Gibraltar.
Cash withdrawal in a foreign currency inside Gibraltar
The customer withdraws cash out of the customer’s account in a foreign currency at a cash machine or, where available, at a bank inside Gibraltar.
Debit card payment in Pound Sterling
The customer uses a debit card to make a payment in Pound Sterling. This can be in a shop, online or over the phone.
Debit card payment in a foreign currency
The customer uses a debit card to make a payment in a foreign currency. This can be in a shop, online or over the phone.
Chargeback processing services
The customer asks the account provider to reverse a transaction.
Do I need to be a UK resident?
Yes, currently Yeeld is only available to UK residents.
What age do I need to be?
You must be at least 18 years old to open a Yeeld account.
What fees do you charge?
Our core features are free. We charge for our premium subscription tier which unlocks additional tools and services.
Do you offer joint accounts?
Not at this time, but it’s something we are considering for future updates.
Do you support Apple and Google Pay?
Yes. Our Visa cards are compatible with Apple Pay and Google Pay.
Why can't I log in to my Yeeld account?
Check your internet connection and app version. If the issue persists, contact Yeeld support.
How do I complain?
Please visit our Complaints page or contact Yeeld support via the app, phone or email.
What do I do if someone’s died?
Please get in touch with our support team. We’ll guide you through what we need to help.
I need my transaction history and I’ve closed my account
Contact our support team and we’ll provide your information securely.
Still have questions? Visit the Help page or get in touch with our support team.
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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.