New
Together jars for up to five people
Money that sorts itself.
Halfpenny splits every payday into jars for bills, spending, saving and someday. You set the rules once. It does the rest, every month.
4.8 from 21,000 reviews
180,000 people
Protected to €100,000
Rent paid · 2 Nov
− €980.00
½
Bills paid on the 1st
€150 to Someday
Round-ups on
No card fees in the EU
Freeze your card in one tap
Joint jars for up to five
Saving first, not last
01 — How it works
Three steps. Then you stop thinking about payday.
1
Get paid
Point your salary to Halfpenny. It spots payday the moment it lands, weekly and fortnightly too.
2
Set your rules
Fixed amounts, percentages or goals with a date. Most people set four rules in under five minutes.
3
Watch it sort
Every payday the money moves into your jars in seconds. You get one notification. That’s it.
½
02 — Why it works
Most budgets fail on the 20th.
Halfpenny moves the money on the 1st,
so the 20th is just another Tuesday.
03 — Payday, minute by minute
Watch €2,400 sort itself in about sixty seconds.
04 — The jars
Six jars. Use four, or all six.
Every jar has one job and one rule. Rename them, colour them, empty them back into Spend whenever you like.
05 — Rules
Write a rule once. It runs every payday after.
9:41
5G
Payday · 1 Nov
€1,250.00
Rules ran at 07:02 · 4 of 4 done
Bills
Rent on the 2nd
€1,150
Spend
€200 every Monday
€800
Save
12.5% first
€300
Someday
Lisbon · May
€150
Move money
Rules run in the order you set them.
Rule 1
When salary arrives
Move €1,150 to Bills, then pay rent on the 2nd, energy on the 5th and the phone on the 12th.
WHEN
Salary lands
THEN
€1,150 → Bills
Rule 2
Every Monday
Top up Spend with €200. If you didn’t use it all, the rest rolls into next week, not into the void.
EVERY
Monday 06:00
THEN
€200 → Spend
Rule 3
On every card payment
Round up to the next euro and send the change to Someday. A €3.40 coffee puts €0.60 towards Lisbon.
ON
Card payment
THEN
Round up → Someday
Rule 4
If Spend runs low
When Spend drops below €20, Halfpenny sends one calm nudge. Not a red alert, not a lecture.
IF
Spend < €20
THEN
One gentle nudge
€41M
sorted into jars since 2023
180k
people get paid into Halfpenny
4.8
average rating, 21,000 reviews
€100k
protected per person, by law
06 — Plans
Free to start. Plus when every euro needs a job.
No card fees in the EU on any plan. Cancel in the app, any day, no phone call.
Free
For trying the jars with your next payday.
€0
/ month
Free forever
4 jars
Payday rules
Card with no EU fees
Freeze in one tap
Plus
Most chosen
For people who want every euro to have a job.
€4.99
/ month
Billed monthly
Unlimited jars
Round-ups to any jar
2.6% AER on Save
Goals with dates and nudges
Family
For flats, couples and families up to five.
€8.99
/ month
Billed monthly
Everything in Plus
Together jars for 5
Kids’ cards with limits
Shared monthly money check-in
07 — Is it safe?
Boring where it matters. On purpose.
Halfpenny is regulated, your money is ring-fenced, and you can freeze everything in one tap.
01
Protected to €100,000
Your money sits in a ring-fenced account at a partner bank. If Halfpenny closed tomorrow, it would still be yours.
02
Freeze in one tap
Lost your card? Freeze it from the lock screen and unfreeze it when it turns up in your coat.
03
Face ID for every move
Every transfer out of a jar needs your face or fingerprint. Nobody moves money by guessing a PIN.
04
Leave any day
Close your account in the app. We send everything back to your bank the same day, no exit fee.
08 — People
Less money maths. More Tuesdays like any other.
“I used to check my balance before every coffee. Now I check it on payday and that’s it.”
M
Maren, 29
Nurse, Rotterdam
“Someday paid for our Lisbon trip and I genuinely don’t remember saving for it.”
T
Tomás, 34
Designer, Porto
“The Together jar ended the ‘who paid the energy bill’ group chat in our flat.”
I
Ilse, 26
Student, Ghent
“Round-ups put €212 aside last year. That’s my new bike seat and both tyres.”
J
Jonas, 31
Courier, Berlin
“Rent leaves on the 2nd without me thinking. That alone was worth switching.”
A
Aoife, 38
Teacher, Dublin
09 — Guides
Money notes, written by people who also get paid monthly.
10 — Questions
Fair questions about your money.
Still unsure? Write to us from the app. A person answers within the hour on weekdays.
Is my money safe if Halfpenny closes?
Do I have to move my whole salary?
What happens if a rule would leave me short?
Can I use Halfpenny with a partner or flatmates?
How do I leave?
½
Next payday, let it sort itself.
Free to start. Takes four minutes. Your first rules run the next time you get paid.