🇬🇧Qoyla · United Kingdom

Clarity for every pound.

From Monzo to Barclays through UK Open Banking. Qoyla reads how your money really moves and keeps obligations protected before anything discretionary.

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Built on the rails you already use

Bank-firstThrough FCA-regulated Open Banking, your account stays put.Open Banking
Direct Debits decodedBacs Direct Debits and standing orders inform your real obligation calendar.Bacs
Faster Payments includedInstant transfers count toward one safe-to-spend.Faster Payments

What it looks like here

Payday month, mapped

Rent, council tax and bills reserved the day salary lands.

Protection on by default

Freeze, dispute and charge decoding, with FSCS-protected deposits.

Pounds with a plan

Idle balances matched to FCA-regulated growth that fits your date.

Through institutions you know

Launching with UK partners under the same contract as every market: your consent defines what’s read, and nothing moves without your explicit approval, recorded.

Your money, clearer this month

Connect through your bank and see your first safe-to-spend in minutes.

Get startedHow pricing works