At Kixy, we understand that managing your finances can sometimes feel overwhelming, especially during challenging times. Whether you're dealing with unexpected expenses, a change in income, or struggling to make ends meet, it's essential to know that you're not alone.
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This guide is designed to offer practical advice and resources for those experiencing financial difficulties or potential vulnerabilities. Our aim is to provide support, guidance, and reassurance as you navigate your way through tough financial times.

How Kixy Can Help

Make the most of our services to manage your money effectively:

Money Transfers

• Easily send and receive money domestically or across borders with our fast, secure transfer services

Direct Debits & Scheduled Payments

• Set up automatic payments to ensure your bills are paid on time, helping you avoid late fees and stay on top of your budget

Recognising Vulnerabilities

Personal Circumstances

• Elderly customers or young customers who may need extra financial guidance

• Individuals managing physical or mental health conditions that can impact their financial decisions

• Those experiencing unemployment, low income, or other economic hardships

Technological Barriers

• Difficulty navigating online banking or lack of access to digital devices and reliable internet

• Concerns about cybersecurity or fraud that make digital banking seem intimidating

Situational Challenges

• Significant life events such as bereavement, redundancy, or divorce

• Victims of financial exploitation or fraud

❤️ If any of these situations resonate with you, don’t hesitate to reach out. Kixy is here to offer support during these challenging times

Seeking Support Early

If you're facing financial difficulties or experiencing vulnerability which could hurt your finances, it's crucial to seek support as early as possible. Here are some options:

Government & Charitable Assistance

• You may qualify for help with housing, utilities, food, or other essential expenses. Explore available programs that align with your circumstances

Professional Debt Advice

• If your debt feels overwhelming, a professional debt adviser can guide you through solutions like debt consolidation, renegotiation, or other options

Helpful Resources

Here are trusted organisations offering free support for financial and mental well-being:

Mind

• Website: mind.org.uk

• Phone: 0300 102 12340300 123 3393

• Services: Mind is a mental health charity that offers a range of support, including information and advice on overspending.

Citizens Advice

• Website: citizensadvice.org.uk

• Phone: 03444 111 444

• Services: Free advice on financial issues, debt management, benefits, and more.

StepChange Debt Charity

• Website: stepchange.org

• Phone: 0800 138 1111

• Services: Free debt advice and management services.

National Debtline

• Website: nationaldebtline.org

• Phone: 0808 808 4000

• Services: Free advice on debt and financial issues.

Turn2us

• Website: turn2us.org.uk

• Phone: 0808 802 2000

• Services: Financial assistance and grants for those in financial difficulty.

Next Steps

If you’re facing financial challenges:

1. Act early by reaching out to support organisations or speaking with a debt adviser.

2. Leverage Kixy’s tools to streamline your money management.

3. Reach out for assistance - we’re here to help.

To learn how our services can support you, contact us via chat in the app or email us at support@kixy.com. Together, we can help you take control of your finances and ease your money worries.