PennyTransfer Money Instantly
Your money moves the moment you press send — evenings, weekends, and holidays. No waiting around for it to clear.
Sent0.63s
$240.00
Fee (1¢ per $1)$2.40
Now in early access
Send money
in seconds.
A penny per dollar.
Penny is built on one simple idea: your money should arrive right away, and you should always know what it costs. Every dollar you send costs one penny. That is the whole price — nothing hidden, no surprises later.
- A penny for every dollar
- Your money stays protected
- Free to join, no card needed
9:41100%
Available
$1,284.60
Send
Request
Top up
Activity
- Rent splitTo Sam−$240.00
- RefundFrom Otto+$64.20
- CoffeeTo Mira−$3.80
Send money
What Penny Does
A wallet that
works with you.
PennyOne Penny for Every Dollar
Every dollar you send costs one penny. You will see the exact fee before you confirm, and we never add anything to the exchange rate.
Your bank, connected safely
Link your bank account in a few taps. Penny moves your money quickly and safely, every time.
Split a bill with friends
Split any bill and send each person their share. They can pay you back with one tap.
Spending sorted automatically
Every payment is sorted into a category on its own, and you get a simple spreadsheet at the end of each month.
Secured to you
Open the app with your face, fingerprint, or password. Only you can get in.
Getting started
Three steps, then
you're sending.
- 01
Create your wallet
Sign up with an email and a password, then confirm the six-digit code we send you.
- No credit check
- No card details needed
Create account
Full name
Email
Password
Sign up - 02
Link your bank
Connect your bank account in a few taps, through a secure link your bank already trusts.
- We never see your bank password
- You can unlink your bank whenever you want
Choose your bank
- Chase
- Bank of America
- Wells Fargo
Your bank password stays with your bank.
- 03
Send to anyone
Pick a contact, enter an amount, and confirm with your fingerprint, face, or password.
- Arrives in seconds, not days
- The fee is shown before you confirm
Send money
To
Mira J.$84.00
Fee (1¢ per $1)$0.84Confirm
Security
Developed with security in mind,
because it's your money.
Penny was built with your money in mind. Strong encryption protects every transfer, and your face or fingerprint keeps your account locked to you. Your money is safe here.
Your money stays encrypted
Everything you send, and everything we keep, is protected with the same level of encryption banks use.
A safe link to your bank
We use a secure connection your bank already trusts. Your bank password never reaches us.
Only you can get in
Open the app with your face, fingerprint, or password — and confirm the same way before any money leaves.
Your data is safe and secure
We never sell or share your information with anyone outside Penny. Your details stay yours.
Pricing
One penny for every dollar.
Every dollar you send costs one penny. You will see the exact fee before you confirm, and we never add anything to the exchange rate.
Sign up for free
Everything you need to send money. No monthly fee, no minimum balance, and nothing to cancel later.
- A penny for every dollar you send
- Link your bank account
- Bill splitting and requests
- Automatic spending categories
- Email support
Your wallet is about
thirty seconds away.
All you need is an email address and the six-digit code we send you. No card, no credit check, and nothing to cancel later.
