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A CLEARER WAY TO MONEY

Less money
on your mind.

Know what’s covered. See what’s possible.
Find your flow with the money you have.

Discover your flow
Track it.Flow it.Grow it.
Energy bill? Handled.Matched. Accounted for. Off your mind.
£86.50
Safe to spend
£2,847.40
A little more room to breathe
Bills covered£1,895.40Savings set aside£500.00
Next stop, Japan.
£2,450 / £4,000
A little closer.61%

“Yes, there’s room for the weekend.”Clarity, courtesy of Flow.

MADE FOR REAL LIFE. AND EVERYTHING IN IT.A little clarity, this way
01 / THE CLARITYA balance is a number.
Clarity is a feeling.

Your bank balance only
tells half the story.

There’s what you have. And there’s what’s already spoken for. MoneyFlow brings the two together, so you know what’s genuinely yours to spend.

See the difference
THE WHOLE PICTURE
Your bank says£6,242.80
BillsEveryday lifeFuture you
After the important things
MoneyFlow says£2,847.40This is your breathing room.

Not just a balance.
A better answer.

See what’s available after bills, your spending buffer and planned savings.

RECONCILIATION, REIMAGINED
OOctopus EnergyPlanned for 9 September
£86.50SCHEDULED BILL
Waiting for the payment
Payment receivedOctopus Energy · £86.50
+

Paid means paid.
Your plan keeps up.

When a payment meets a planned bill, it all falls into place. No double counting. No second guessing.

Less “where did it go?”
More “look where I’m going.”
02 / THE INTELLIGENCEMEET FLOW

Money questions.
Human answers.

Some days, you don’t need another chart.
You just need a little perspective.

Meet Flow. A conversation that starts with your money and makes a little more sense of it.

Explore voice, statements & more
FlowA little perspective, on demand.
Can I enjoy the weekend?

Your bills are already accounted for. You have £2,847.40 left in your plan.

A little room for living? Looks like it.

Based on your spending plan
Good questions lead somewhere.
Grounded in your plan.Clearer by conversation.A little more human.
03 / THE POSSIBILITIESFor the things you want.
And the life you’re building.

Small steps.
Extraordinary places.

The trip. The keys. The freedom to say yes.
Give your money something to move towards.

YOUR NEXT CHAPTER

A little closer
to somewhere new.

TYOJAPAN · MAY 2027
Already set aside£2,450The destination£4,000
TodayYour goal, within reach.
£0£400
After eight months£4,050
Choose a monthly contribution. No interest or growth assumed.
Your whole financial world.
£42,850.00
Little by little. All adding up.
CashSavingsInvestments

See the bigger picture.
Feel the small wins.

Your accounts and ambitions, in the same place. So progress feels like something you can see.

Explore wealth & pensions
DESIGNED AROUND YOU

A little less admin.
A lot more living.

On the train. Between meetings. Before the weekend.
A moment with your money, then back to your day.

At home on your phoneYour numbers, your choice
Your morning check in.All looking good.3 bills covered. A little saved.
The rest of the day is yours.
A calmer start.
Future you says thanks.Another £200 towards Japan.now
A LITTLE MORE CLARITY

Good questions.
Clear answers.

Explore all help topics

YOUR MONEY. A LITTLE LIGHTER.

Find your flow.

More clarity. More possibility. More you.

Get startedA calmer relationship with money starts here.