Simple pricing.
Start free.
Theo is free for your day-to-day money. When you want the full picture working for you — your plan, your net worth, your pension and tax — Premium is just £7 a month.
Your day-to-day money, sorted. No card, no catch.
Everything in Free, plus the full picture working for you.
No surprises. The trial reminds you 2 days before it ends. Cancel any time and you simply drop back to Free — you keep all your data and history. Bank data is read-only; Theo can never move your money.
What you get on each plan
Questions, answered straight
Premium comes with a 14-day free trial. You add card details when you start, but you’re not charged anything until day 15 — and you can cancel any time before then and pay nothing. After that it’s £7/month.
You simply drop back to Free. You keep all your data and history — nothing is deleted, and the day-to-day Today layer keeps working. Pick Premium back up whenever you like.
Yes. Theo connects through regulated Open Banking and can only ever read your data — it can never move your money. You can disconnect any time.
No. Theo gives you guidance and education to help you make your own decisions — it’s not regulated financial advice. For regulated advice, speak to an FCA-authorised adviser.
Get started
with Theo.
Premium launches soon. Join now — founding members get extended Premium access at launch.
