FAQ

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.

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.

We request specific data so we can offer personalised financial support that’s relevant to you. We create a financial wellbeing profile as unique as you are. By securely adding your bank account data, with insights into your money mindset, we ensure your learning is personalised to help you master your money. We follow strict data minimisation and keep your data only for as long as needed to deliver our service.

To set up your account, we also ask for a small amount of personal information, such as your name, email address, date of birth, gender, and postcode. This information is used to verify your account and help us build fair and inclusive products. It is not used to calculate your financial health score.

We will always ask for your explicit consent to securely share your data with one of our 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. For more details, please view our privacy policy.

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 through your learning path, your score evolves, refreshing each month with your input to keep your learning relevant and up to date.

Unlock deeper insights into how your brain works and reacts to your personal finances. That’s what makes using Good With different to your regular ol’ banking app. We’ll crunch the numbers so you don’t have to, generating your financial health score so you can see a current snapshot of your financial health and wellbeing along with tailored suggestions on how to improve your readiness. We don’t share your data without your consent, and we'll never get access to your bank login details. We collect and store the minimum amount of data we need to provide a personalised service to you, and will only share this data with your lender if you have consented. If we don’t use it, we don’t keep it.

We use AI to build your personalised learning journey, using AI tools to help us train algorithms that figure out where your strengths and challenges lie. Crucially, we do not use generative AI to write financial advice on the fly – every insight and article is created and verified by real human experts, so you can always feel confident that our content has been finalised by a real person.

To monitor and improve our models over time, we look at how happy our users are with their content (stored under a unique ID, so we can’t see your name or personal details) to build even better, more personalised learning journeys. We keep a close eye on our models to make sure they don’t leave anyone out, retraining them as often as needed so our predictions stay as accurate as possible.

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.

Sorry you’re thinking about leaving! You can close your account by emailing us at contact@goodwith.co and one of the team will get back to you promptly.