UK beta in 2026. Join the waitlist for early access.
Your finances, made simple.
Niio transforms financial chaos into calm.
Money Mood, explained.
A simple status with receipts: what is going well and what to fix next.
Ask Niio. Get answers with context.
Niio can explain your spending, subscriptions, and trends, and help you decide what to do next.
Be part of the first wave of AI-assisted finance apps designed for UK young adults.
Trust in 10 seconds.
Niio accounts for what you earn, what you owe, and what you want to save, then turns it into one trusted number.
Why pay-cycle budgeting?
Monthly budgets fail when your pay day does not match the calendar. Niio starts your cycle when you get paid, then keeps you oriented with one number and one focus.
Niio pay-cycle budgeting
- Reset day aligned to your pay cycle
- Bills and subscriptions accounted for
- Clear Left to Spend for the rest of the cycle
All your money in one place.
Everyday, savings, and investments together, so you can make decisions without tab hopping.
Trust-first, by design.
We are building Niio to be your financial wellness companion.
FAQ
The short answers, upfront.
1Is Niio free?
Beta access is free. We expect a free tier and optional premium later.
2Is Niio a bank?
No. Niio is a personal finance app designed to help you understand spending capacity and net worth.
3Is this financial advice?
No. Niio provides informational guidance based on your data, not financial advice.
4Will the AI change anything without asking?
No. Any actions that would change data require explicit confirmation.
5Who's behind Niio?
A small team building a trust-first personal finance app. You'll get more details as the beta rolls out.
6Which banks are supported?
We connect to major UK banks via Open Banking. Exact availability can vary by provider.
7How do you use my data?
We build trust-first. We don't sell personal data. We use data to compute your metrics and provide explainable insights.
8Is it UK only?
For the initial beta: yes. The product experience is GBP-centric today.