Know your money's in hand
even when you're not looking

A personal money agent for all your financial life

Lucie is an AI-powered money agent, designed to know your whole financial position, watch over it, tell you what matters and help you act, before you need to ask.

9:41
How much can I spend this week?
You've got $340 to play with, Ben. Electricity bill ($180) due Monday though.
And what about food? Am I spending too much?
$420 this month, $60 more than usual. Mostly UberEats 🍕
Should I be worried?
Nope, you're on track overall 👍 I'll let you know if that changes.
Anything I should know this month?
The fixed rate on your home loan ends 14 March. Repayments could rise $340 a month.
I didn't know that. What do I do?
Nothing yet. I'll work out your options nearer the time.
And if anything changes?
I'll tell you before you're committed to anything.
Your car insurance just renewed at $1,480, up $210 on last year.
I didn't even look at it.
Most people don't. It's your biggest bill rise this year.
Can I do anything now?
Not now, it's paid. I'll flag it a month before next year's.
Please do 👍
Done. I'll remind you in time.
Chat with Lucie
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Less time managing your money
more time living your life

Money takes too much effort
Keeping across all of it takes time and attention that most of us can't spare, so it slips down the list.
Getting it wrong matters
Even when you're doing your best, there's often a niggling uncertainty about whether it's enough.
It comes in pieces
Everyday money, savings, loans, insurance, super: each with its own provider, and joined up by you.

One agent, on your side, across all of it

Lucie Money is being built as a personal money agent for all your financial life. An agent, not a dashboard: designed to know your whole position, watch over it, tell you what matters and, in time, help you act on it.

  • Everyday money
  • Deposits and payments
  • Savings
  • Consumer credit
  • Home loans
  • Wealth management

Every part of it, not just one slice.

Understand
Lucie is being built to know where you stand across everything you connect, and to tell you what needs your attention.
Advise
What to do about something, what it would cost or save, and where the catch is. In plain terms, not a ranked list.
Act
Where we're heading: Lucie handling things for you, not just telling you, inside rules you set and with your say-so.
Now Next Later

We're starting with everyday money and building out from there.

What makes Lucie different

Most money apps help you see where your money went. Lucie helps you decide what to do next.

Proactive, not reactive
Lucie spots issues before you think to ask, rather than waiting for you to check.
Answers, not dashboards
Other apps show you charts. Lucie tells you what they mean and what to do next.
On your side
Lucie works for you, not for a bank or a product provider. Your interests come first.
Your bank's own numbers
Lucie's figures are designed to come straight from your bank, via open banking.

How Lucie works

1
Connect your accounts
Link your bank accounts through open banking. You approve what's shared, through your own bank, and can withdraw it at any time.
2
Lucie does the work
Lucie is designed to keep across your accounts, spot what matters and understand your patterns, and to speak up before you think to ask.
3
You make better decisions
Alerts and plain answers about what needs attention and what your options are, with help to act on them. The decisions stay yours.

Built to be trusted

You're always in control
Nothing happens without you. When Lucie can act, you'll set the rules, and you can change them at any time.
Encrypted and private
Your data is protected in transit and at rest, and we'll always tell you plainly what we hold, why we hold it and for how long.

How we think about money and AI

The importance of integrated financial advice

Our financial lives come in pieces, and fitting them together is left to us. Lucie Money is being built to do it.

Read more →

What Lucie can and can't fix

Money management goes wrong in at least six ways. Lucie is designed to help with some of them more than others.

Read more →

Can you trust AI with your money?

AI is transformative for personal finance. It's also new and still evolving. Here's how we're designing Lucie to make it safe.

Read more →

All of our thinking →

Ready to take control?

Lucie is in build, and we're building it for people like you. Before long we'll need people willing to try it on their own accounts and tell us where it falls short.

Early access · Priority onboarding · Shape the product

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