An account that keeps up with an ordinary week
Salary in, bills out, a little aside for the things you are actually saving for. Simple to run, easy to see, and free of the fees that used to arrive by surprise.
Made for everyday money
Spending account
Your day-to-day account with a real account number, instant notifications and no monthly fee on the standard plan.
Savings goals
Ring-fence money toward a specific thing. Automated weekly transfers and a completion date you can plan around.
A card you control
Freeze and unfreeze instantly, set limits per merchant category, and issue a virtual card for online use only.
Split and request
Request money from a contact and settle it without leaving the app or exchanging bank details.
Honest spending insight
Recurring charges surface automatically. Category totals come from your postings, not a modelled estimate.
Alerts that matter
A push for every debit over your threshold, a nudge when a bill is due, silence for everything else.
Get paid in one currency, spend in another
Hold USD, EUR, GBP and NGN at the same time. Convert when the rate suits you rather than when a payment forces you to, and see the true cost of every conversion.
- Real mid-market rateThe conversion rate shown is the one applied. No spread hidden in the difference.
- One balance viewA single total at the top of the app, with per-currency detail one tap below it.
- No dormant feesA currency balance you stop using costs nothing to keep open.
Currency balances
Mid-marketUS Dollar12,480.00
Euro3,120.40
Pound sterling890.10
Conversion fee 0.00 · rate shown is applied
Small things, said plainly
The alert before a subscription renews has saved me more money than any cashback offer ever did. It is the only bank I have had that tells me before it charges me.
I opened a EUR balance to pay a supplier and ended up moving my whole month into Humbg. The rate was the rate. That was that.
Savings goals sound like a gimmick until the completion date is a real date and the money is genuinely ring-fenced. Ours funded a trip in fourteen months.
Start with the free plan
No monthly fee, no minimum balance. Upgrade only if you need the extras.