How we deliver real value

We’re not in the business of luring you in with tempting offers only to take them away the moment you’re through the door. We believe in providing value today, tomorrow and beyond.

Here’s how we’re able to deliver on that.  

1. Tech-driven 

Since 2005, we’ve been perfecting digital-first finance. By automating and streamlining our services, we can make fast, smart decisions and deliver for you without the complexity of many traditional banks. Our tech empowers us to think differently about the way our products are built and how they scale – so that we can lower costs and offer better rates for you.  

2. Proven success 

Following the launch of our bank, we reached profitability within just 3 years. This was possible thanks to our scale as a lending business and expertise in assessing risk, enabling us to offer competitive rates to borrowers while still running a profitable, growing business. That strong foundation allows us to provide great rates on our savings accounts – and now on our bank account – in a way that’s sustainable. 

3. Smart spending 

We run a lean, cost-efficient business, focusing our investments where they make a real difference: building products and providing a service that our customers love. By avoiding unnecessary expenses, like physical branches, we’re able to deliver real value for you, both now and in the future.