500 founding spots · 214 claimed
Building in public · 200+ people testing it now

Your income doesn't move in a straight line. Your money app shouldn't pretend it does.

Fundi's the app that reads your actual cash flow — freelance, shifts, gig work, whatever your pattern is — and works with it instead of judging you for it. Connect your bank, see what's really going on, in under two minutes.

what they expect what actually happens
You're on the list — welcome to the founding 500.
500 founding spots. No spam, ever.
Fundi home screen showing balance and savings goals
200+ people testing it right now
FCA-regulated open banking
Built in London
Female-founded

Budgeting apps were built around one income shape. Most of us don't have it.

Freelance work, shift patterns, a side hustle covering the gap — none of it fits a flat monthly average.

01
One paycheque, every month
That's the assumption baked into most finance apps. Fundi doesn't average your income away — it tracks what actually lands, and when.
02
No room for saving together
Pardna, susu, hui, ajo — whatever you grew up calling it, rotating savings circles move real money in communities everywhere. Most banks have never heard of them.
03
Scored on your past
Credit scores read history. Fundi reads behaviour — how you're handling money this month, not five years ago.

Fundi treats your cash flow as a pattern to understand — not a spreadsheet you're failing to keep up with.

Three screens, used daily

Fundi money circles screen showing group savings
Money Circles, together
Pardna, susu, hui, ajo — track who's paid, who's next, and when your payout lands. No spreadsheet.
Fundi goals screen showing savings targets
Goals that move without you
Round-ups and scheduled transfers that scale with your income instead of ignoring it.
Fundi transfer screen showing recent transactions
Send money your way
Search a name, a username, or a phone number — send it in seconds, no sort code required.

What's actually built, right now

Financial DNA Score
A live read on your money habits — not a five-year credit file that's never met you.
Money Circles
Now it's in the app — automatic reminders and payout tracking, no group chat chaos.
Pattern alerts
Fundi flags the gap between a bill and a payday before it becomes a problem.
Open banking, done right
FCA-regulated. Bank-level security. Connect once, see everything.

Survive, grow, or scale — Fundi meets you there

The tools shift with the month you're actually having.

Survive
When you need the system on your side
  • Cash flow protection that catches gaps before you feel them
  • Savings automation that bends around irregular income
  • Timing alerts that keep bills and balance from colliding
Grow
When you're ready to build
  • A clear read on whether this month's a save month or a survive month
  • Save together and stay accountable, without the group chat back-and-forth
  • Goal transfers that move on payday, before you can talk yourself out of it
Scale
When the ceiling needs to come off
  • Investment tools for when saving isn't the goal anymore — growing is
  • Business banking for the side hustle that became the main one
  • Founding members help shape what we build next
Coming soon
Why we're building this
100%
of the founding team is female

We're building this because we've lived the gap ourselves — irregular income, no credit history worth the name, family split across countries and sending money between them.

Fundi isn't trying to be a better bank. It's here to make the existing one finally work for people like us.

Be one of the first 500.

Join now and you're not just early — you're helping build it. Direct line to the team, early pricing locked in, first access when we launch.

You're in — welcome to the founding 500.
Direct line to the team
Early pricing, locked in
First access at launch