How can we help?
Penny is here. Most things are answered below.
Frequently asked questions
How do I connect my bank?
Open the app → Connect Bank → pick your country and bank. We support Enable Banking partners across the EEA — Revolut, Wise, and most major banks in PL, DE, FR, NL, IT, ES — plus Monobank in Ukraine.
Why isn't my UK bank listed?
Open Banking in the UK requires a different licence than the EEA one we hold. UK support is on the roadmap; for now Revolut works for many UK users.
How does the free trial work?
Penny+ Annual gives you 7 days free. Cancel any time in iOS Settings → Apple ID → Subscriptions before the 7th day and you won't be charged.
How do I cancel my subscription?
iOS Settings → tap your name at the top → Subscriptions → EveryPenny → Cancel. The cancellation takes effect at the end of the current billing period; you keep Penny+ until then.
What happens to my data if I delete the app?
Your data stays on our backend until you delete your account from the in-app Settings. Deleting the app from the device alone doesn't delete your account.
How do I delete my account?
In the app, go to Settings → Delete account. We remove all your bank connections, transactions, budgets, and goals within 24 hours. This is permanent and cannot be undone.
Is my bank login safe?
We never see your bank password. Bank connections go through Enable Banking's secure OAuth flow (PSD2-compliant). The session token we receive is encrypted with AES-256-GCM, with a per-user subkey derived from your account id, and never leaves our servers in plaintext.
What currencies do you support?
Live rates for 40+ currencies via the European Central Bank's Frankfurter feed. EUR, USD, GBP, PLN, UAH, CHF, all the Nordics, and more. UAH and a few long-tail currencies are sourced from a Cloudflare-mirrored feed because the ECB doesn't publish them directly.
I lost my data after switching phones
Sign in with the same Apple ID, email, or Google account on the new phone. Your data syncs from our backend within seconds. Make sure you're using the same sign-in method you used the first time — Apple, email, and Google produce separate accounts unless you explicitly link them.
The app says my offerings can't load
Force-close the app and reopen. If it persists, please email us at [email protected] — there may be a temporary App Store sync issue, and a screenshot of the error helps us fix it faster.
Still stuck?
Write to [email protected]. We typically respond within 48 hours, faster on weekdays.
For privacy requests (data export or deletion outside the app), the same address works — please mention "GDPR" in the subject so we route it correctly.