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 protected with Stoa
Your deposits are securely held by Griffin, a UK-regulated bank.
Your deposit is FSCS protected
Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme.
Your deposits are held by Griffin Bank Limited (the deposit-taker), a company registered in England and Wales, operating in the United Kingdom. Griffin Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Griffin’s firm reference number is 970920. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per depositor. For disputes, you can refer complaints to the Financial Ombudsman Service. Griffin Bank Limited’s paid-up capital and reserves exceed £70 million.
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.