Yes, absolutely. We take your privacy and security seriously – because feeling good with money starts with feeling safe. We protect your information through strict security measures and transparent data practices:

Fully regulated

We’re registered with the UK’s Information Commissioner’s Office (ICO). Our privacy-first approach even earned us the SPARKies 2023 Data Award.

Bank-level encryption

We partner with regulated leaders like TrueLayer and store your data securely via Google Cloud.

Backing from trusted institutions

Good With is supported by Google for Startups, Barclays Eagle Labs, and NatWest Accelerator – giving us the foundation to keep our platform fast, stable, and secure.

Recognised for impact

We’re proud to be named Best Financial Wellbeing App (SME News, 2025), Global Fintech for Good (Empact Ventures, 2024) and Startup of the Year in 2023 (HackerNoon).

Above all, we’re a team of scientists, researchers, and everyday people who care deeply about mental health and financial wellbeing. We build tools we trust for ourselves, and for you.

Have questions? Explore our privacy policy or FAQs, or drop us a line at contact@goodwith.co.

Does the word “budget” make you want to run away? We get it.

That’s why Good With focuses less on what you’re spending and more on why you spend it. Gradual improvement could be a two-minute lesson on spending influences after dropping the kids to school, or a quick three-minute dive into Buy Now Pay Later on a coffee break before pressing “purchase.” Instead of hours on spreadsheets, the app fits into the gaps in your day, giving you pockets of small wins that add up.

Money is emotional as much as it is practical, which is why we help you explore how your thoughts and feelings shape your spending. Using principles from Cognitive Behavioural Therapy (CBT) and other evidence-based frameworks, Good With helps you identify triggers, challenge anxious thoughts, and build mindful spending habits that last. By changing how you think about money, you develop a healthier, more mindful money practice.

If money is weighing you down, you’re not alone: 81% of adults in the UK regularly worry about money. When that worry starts to trigger your body’s fight-or-flight response, it can develop into financial anxiety. You may be experiencing it if you notice patterns such as:

• Catastrophising: repeatedly imagining worst-case scenarios

• Avoidance: avoiding your bank balance or ignoring bank notifications

• Sleep disruption: difficulty falling asleep or waking frequently during the night

Financial wellbeing feels like the opposite. It isn't about being “rich”. It’s about the peace of mind that comes from knowing you can handle an unexpected bill or the freedom to enjoy life without guilt. Our mission is to get you there.

No. Using Good With does not affect your benefits, and connecting your bank will not leave a mark on your credit score.

CBT, or Cognitive Behavioural Therapy, is a psychology-based approach that helps you identify and challenge negative thoughts, patterns, and behaviours for better mental health. At Good With, we use CBT-based approaches to our features to assist in recognising and tackling unhelpful thoughts and behaviours related to money, empowering you to create healthier financial habits and overall wellbeing. Good vibes all round, basically.

Your financial health score isn’t a credit score – it’s a snapshot of your current relationship with money. Built from the information you share with us, it personalises your learning and tracks your progress over time across areas like your spending habits and money mindset.

Your score shapes your learning journey, guiding you towards greater money confidence without judgement, and it reflects how prepared you are to take the next steps with your money, such as credit.

As you progress, your score evolves. It auto-updates weekly and adjusts further when you manually provide your monthly input to help keep your insights and activities relevant and up to date.

Seeing your score fluctuate in the first few weeks? Trust the process – your long-term progress is right on track. 

Every brain relates to money differently. Connecting your bank accounts helps us map your unique financial blueprint, turning your real-time spending patterns into gentle, empowering self-discovery. Far beyond a typical banking app, Good With pairs your live banking data with science-backed behavioural models to move beyond generic guidance. We unlock deeper insights into how your brain works and reacts to your personal finances, offering tailored learning designed around your mental wellbeing, judgment-free.

To help you explore your financial psychology with confidence, our security and privacy safeguards include:

Regulated integration

Your bank authorises the connection through TrueLayer, a secure Open Banking network trusted by over 10 million users and leading UK financial institutions. This partnership ensures your data is handled within a strictly regulated ecosystem.

Read-only access

Our connection is strictly read-only. This safeguard ensures that neither we nor any third parties can access your login details or move funds.

Advanced encryption

We use bank-grade encryption to protect your information at every stage of the process. Even in the unlikely event of a breach, it would be completely unusable.

Data ownership

You remain the sole owner of your information. You can revoke access or request permanent deletion of your data at any time by contacting us at contact@goodwith.co.

Data sharing & retention

We don’t share your data without your consent. We collect and store the minimum amount of data we need to provide a personalised service to you, and will only share it with your lender if you have consented. If we don’t use it, we don’t keep it.

We use your information to create a financial wellbeing profile as unique as you are, giving you clearer insights into your money mindset so you can master your habits.

To set up your account, we ask for a small amount of personal information (your name, email address, date of birth, gender, and postcode). This helps us verify your account and build fair, inclusive support, but it is never used to judge you or calculate your financial health score.

By securely connecting your bank account data with insights into your money mindset, we can offer personalised financial support that’s actually relevant to you and your situation. We follow strict data minimisation and keep your data only for as long as needed to support your learning journey.

We will always ask for your explicit consent to share your data with one of our trusted, FCA-regulated partners, and you have the right to withdraw consent at any time by emailing contact@goodwith.co. Giving consent will not affect your credit score.

Under the UK General Data Protection Regulation (GDPR), we’ll always be transparent about your data: how we’re using it, when we’re using it. Because understanding your money should always feel safe and transparent.

For more details, please view our privacy policy.

We get it. Money is boring. But we try to keep things light and airy so you’re never overloaded.

No jargon, no nonsense. Everything in the app fits seamlessly into your every day, so you can find pockets of financial wellbeing in your own time, whenever that works for you.