Kixy is an FCA-registered group payments platform that helps people who share expenses track, split and settle costs fairly. It connects securely to your UK bank accounts using Open Banking and shows: - Who paid what - What each payment was for - How balances are shared between people
Some apps track shared expenses but do not support payments. Banking apps allow payments but do not provide tools to split or track shared costs. Kixy combines both: - Tracks shared expenses - Calculates balances automatically - Allows direct settlement from your bank - Keeps a clear payment history for everyone in the circle
1. Connect your UK bank account securely via Open Banking 2. Create or join a circle (e.g. household or flat) 3. Invite others 4. Kixy tracks shared expenses 5. Balances are calculated automatically 6. Settle balances directly from your bank account
No. Kixy works with over 100 UK banks. Each member can use their own bank account.
You can track: - Rent - Utilities - Council tax - Internet - Groceries - Subscriptions - Other shared costs Kixy may suggest whether expenses are shared or personal based on previous activity.
Yes. You can split expenses: - Equally - By percentage - Using custom amounts All splits are visible to every circle member.
Kixy keeps track of shared expenses and shows the exact balance between members. When you choose to settle: - A payment is initiated directly from your bank account - The transfer is processed using Open Banking - Kixy records the settlement for transparency
No. Kixy does not hold or store customer funds. Payments move directly between users’ own bank accounts.
Kixy uses automated tools, including AI-based features, to: - Categorise expenses - Suggest fair splits - Detect patterns in shared spending You always review and approve any suggested actions before they are applied.
No. Kixy may provide suggestions and insights, but all key actions (splits, settlements and permissions) are controlled by you.
Yes. Kixy Ltd is registered with the UK Financial Conduct Authority (FCA) as a Small Payment Institution (FRN 814005).
Account Information and Payment Initiation services are provided through Yapily Connect Ltd, an FCA-authorised Open Banking provider.
Your money always remains in your own bank account. Funds are protected by your bank’s FSCS coverage (up to £120,000 per eligible depositor, per bank), not by Kixy.
No. Kixy does not see or store your bank login credentials. Secure authentication is handled through FCA-regulated Open Banking connections.
Kixy only accesses the information necessary to provide the features you use. You can revoke access at any time through your bank.
1. Download Kixy from the App Store or Google Play 2. Connect your bank account 3. Create or join a circle 4. Invite others
You can contact Kixy support: - Through the app - By email at support@kixy.com We aim to respond clearly and within a reasonable timeframe.
Yes. You can: - Leave a circle at any time - Revoke bank access through your bank - Disconnect accounts within the app via the “Accounts” page (three dots on each account card)
