Forget credit scores. This one’s about your habits, not your wealth.
The world’s first saving behaviour tracker. The world’s first saving behaviour tracker. Check in each month to understand your habits and improve your score.
Bank-grade encryption | No credit impact
Rooted in Nobel-winning science.
Inspired by Kahneman and Thaler’s research on nudges and mental accounting, built on the proven 50/30/20 rule.
Retention
Retain at least 20% of your income through smart spending habits.
Allocation
50% essentials, 30% enjoyment, 20% your future self.
Regularity
Consistent saving habits, tracked and built into streaks.
Your score unlocks real perks.
Once you’re in, a deposit turns straight into Amazon, ChatGPT and more, no waiting on rates.
- Value from day one, not month twelve
- Brands you already pay for anyway
- Full deposit back at the end of term
Your money is safe with Stoa
Your deposits are securely held by Griffin Bank, a UK-regulated bank.
Your deposit is FSCS protected
Eligible deposits of up to £120,000 per depositor are covered by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.
How are your perks funded?
Stoa uses its algorithm that considers the purchase price on offer, discounts negotiated with merchants, and the commission your deposit generates – which varies between perks.