Manage, grow and move your money intelligently. Instant transfers, AI insights, cashback and investing — all in one secure app.
Spend in 150+ currencies at real exchange rates, with no hidden mark-up.
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Switching between apps to send, save, invest and track money is exhausting.
Providers still charge too much for transfers, currency exchange and card payments.
You don't know where your money goes, or how to save consistently.
Transfers take too long and most finance apps still feel stuck in the past.
Freelancers and small businesses need smarter financial tools that actually help.
Y-tech AI tracks spending, finds patterns and gives personalised tips to help you save more.
Learn moreSend money in seconds across Europe. Free between Y-tech users, split bills and pay by link.
Learn morePlanned for launch: fractional stocks and ETFs from €1, provided by a regulated partner. Not available today.
Learn moreEarn up to 5% back at partner stores and restaurants — matched to your habits automatically.
Learn more8 AI specialists that help you run your life and business smarter, from marketing to accounting.
Learn moreSign up in seconds. It's free and takes less than a minute.
We'll notify you as soon as your invite is ready.
Verify your identity and set up your account in minutes.
Use every feature, earn cashback, save, invest and grow.
Y-tech is a technology company. Regulated partners will hold and move your money.
Payments and e-money will be issued by authorised partner institutions in the UK & EU.
End-to-end encryption, biometric login and 3D Secure on every payment.
Customer money will be held in segregated safeguarding accounts, separate from ours.
We never sell your data. You decide what the AI can see, and can turn it off.
When we go live, support will be available around the clock, in your language.
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You spent 18% more on food this week. Moving €48 to your holiday pocket keeps you on track.
See howThree subscriptions renew next week for €47.90. One hasn't been used in 62 days.
Based on your invoices, set aside €680 this month to cover your next tax bill.
Illustration of a planned feature. Investing is not available today and will be provided by a regulated partner. Investing involves risk — the value of investments can go down as well as up.
Freeze a card, change limits or generate a new virtual number in one tap.
Every card payment rounds up to the nearest euro. You've set aside €38.20 this month without noticing.
An AI back-office for freelancers and small teams, included from the Metal plan up.
Campaigns, content plans, growth ideas
Texts, SEO, translations
Job ads, interviews, team docs
Sales scripts, replies, reviews
Strategy, growth, optimisation
Brand briefs, creatives, concepts
Contract drafts, risks, checklists
Bookkeeping, reporting, tax prep
NeuroOffice provides general information and drafts. It is not legal, tax or financial advice.
Start free. Upgrade whenever you need more. Cancel any time.
Prices are indicative for launch and may change before general availability. Insurance and investing will be provided by regulated third-party partners.
Multi-currency accounts, auto invoicing, a tax pocket and instant international payments.
Real exchange rates, travel insurance, free ATM withdrawals and 24/7 support worldwide.
A free plan, financial literacy content, referral bonuses and zero hidden fees.
Corporate cards, AI back-office tools, automated payroll and bookkeeping.
Feedback from people using the Y-tech prototype.
The first app that actually helps me manage freelance income across different currencies without thinking about it.
The AI insights are unreal. I finally understand where my money goes and how I can save without stressing about it.
NeuroOffice saves me hours every week. It's like having a whole back-office team behind me.
No. Y-tech is a financial technology company, not a bank, and we don't hold a banking licence. Accounts, cards and payments will be provided by a licensed e-money partner. We build the app, the AI and the experience on top.
It reads your transaction history inside the app, categorises spending and looks for patterns — recurring subscriptions, unusual charges, categories that are drifting up. It then suggests concrete actions. You control what it can see and can switch it off entirely.
Customer funds will be held by a regulated partner in segregated safeguarding accounts, separate from company money. Access will be protected with encryption, biometric login and 3D Secure. E-money is not covered by deposit guarantee schemes — see the note at the bottom of this page.
Cards work worldwide anywhere the card network is accepted, and you can spend in 150+ currencies. Opening an account is limited to countries we're licensed to serve at launch — the UK and EEA first, more markets after.
We're finishing the app and partner integrations now. Waitlist members get access in waves, earliest first, and we'll email you before your invite goes out.
Enter your email in the form on this page. It's free, there's no card required, and you can unsubscribe from any email we send.
Chat with the AI assistant, explore the NeuroOffice specialists, send a transfer, set up a savings pocket and pick a plan — all live, no sign-up needed.