Begin together

Getting calm clarity takes three gentle steps.

TwoPennies is designed so you can explore first, share when you're ready, and stay in sync without losing autonomy. Here's how the journey unfolds.

Step 1

Create your shared space

Sign up with Google to open a private workspace. You decide when to invite your partner — no pressure, no surprises.

Shared space

Calm mode

Shared balance£7,720

Step 2

Connect your banks securely via TrueLayer. We use read-only access, so your money never moves without you.

Shared space

Calm mode

Shared balance£7,720

Step 3

Share an invite that expires in seven days. Every visibility change still needs mutual consent — calm collaboration by design.

Privacy ledger

Calm mode

Shared balance£7,720

Monzo · PersonalPrivate

Awaiting partner approval to share. Because consent is everything.

Explore in demo mode, connect your accounts when it feels right, and bring your partner in when you've seen the value. TwoPennies grows at your pace.