Save and grow your money effortlessly
See your money clearly, save smarter, plan, and grow on autopilot. All in one simple app.
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Connect to over 20,000 global institutions
Real action at your fingertips
AI
Packed with many powerful features and actions, to help you save money, build wealth, and take control of your financial future.
Send $
Pay bill
Round up
Auto-save
Split
Request $
Invest
Cash-out
Rebalance
Alert
Cancel
Switch provider
Dispute
Freeze card
+ more
With 1,000s of assets
Your security and privacy come first
Bank-level security
We use bank-grade security with all connections using secure encryption over TLS 1.2+, with 256-bit encryption.
Opt-in consent
We operate on a strict opt-in consent basis. Our action layer only performs tasks you've explicitly authorised.
Power in actions
Our 20+ secure actions leverage protected integrations, allowing you to create custom Moves across multiple providers safely.
Your money…
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Only if ...
Your moves!
Frequently asked questions
Straight answers about Phinly, the AI money app built for Australians.
Phinly is your own AI for your money — an app built for Australians that connects your banks, investments and crypto in one place. Ask anything about your money, get answers grounded in your real accounts, and put routine money admin on autopilot with Moves you approve.
Connect your accounts through secure, read-only integrations, then ask Phinly anything about your money. Answers come from your own data, not generic tips. When something is worth doing — switching a provider, cleaning up subscriptions, disputing a fee — Phinly lines it up as a Move that only runs once you approve it.
Yes — Australia is Phinly's home market. Phinly connects major Australian banks including CommBank, Westpac, ANZ and NAB, and it doesn't stop at the border: US, UK, EU and NZ accounts connect in the same app, across 20,000+ institutions worldwide including investments and crypto. Phinly is in early access — join the waitlist to get in first.
Phinly connects to your accounts through secure, read-only data integrations and never stores your banking credentials. Your data is encrypted in transit and at rest, and Phinly only acts with your explicit opt-in approval — you approve every Move. The full detail is on our security page.
No. Phinly doesn't provide financial advice or recommendations. It shows you information, options and trade-offs grounded in your own data, and you decide what happens — every Move needs your approval. For advice tailored to your circumstances, talk to a licensed professional.
Joining the early-access waitlist is free. At launch Phinly will be subscription-based — you're the customer, not the product — with pricing announced closer to launch. Waitlist members hear first.