Read-only, regulated and never able to move your money.
Surplus connects through Open Banking provided by Yapily - the same secure rails your bank uses - so the only thing it can do is help.
Surplus connects to your bank through regulated, read-only Open Banking provided by Yapily. It can see only the information you choose to share to build your plan - it can never move your money. You stay in control and can disconnect any account at any time.
Built to be trusted with your money.
Surplus runs on regulated open banking - the same secure rails your bank uses. You decide what to share and you can disconnect any account in a tap.
- Regulated open banking
- Powered by Yapily
- UK GDPR
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Your money stays protected
We connect to your accounts through regulated open banking, never by storing your login. You choose what to link and you can revoke access whenever you want.
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Your data, your rules
We only use what’s needed to build and pace your plan. Your information is never sold and it’s protected under UK data-protection law.
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Locked to you, not a password
You sign in with Apple - there’s no Surplus password to leak. Your data is encrypted in transit and stays tied to your device.
Regulation & Open Banking
Open Banking connections are provided by Yapily Connect Ltd, which is authorised and regulated by the Financial Conduct Authority for the provision of account information services. Surplus operates as an agent of Yapily Connect Ltd.
That means your bank connection runs on regulated infrastructure: it’s read-only, your login is never shared with or stored by Surplus and you can revoke access at any time from within the app or your bank.
View the entry on the FCA registerNot another budget app. Not another AI chatbot. A money copilot with a real engine underneath - built by a chartered accountant and it never makes the numbers up.
Read-only Open Banking via Yapily. Bank-grade encryption. We can’t move your money.