W1TTY review: A financial app designed for generation Z

Looking to get a better understanding of your finances? Find out how the W1TTY app might be able to help.

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New challenger W1TTY is a UK-based fintech company with international operations. Initially targeting students and other young people (generation Z). W1TTY now has an Electronic Money Institution (EMI) licence in the UK and EEA.

What is W1TTY?

W1TTY is a financial app that helps you manage your everyday spending, improve your financial knowledge and earn rewards at the same time. You can send money instantly to anyone using W1TTY, see and track your spending history and explore all of your app options via the dashboard. The app also has crypto capabilities.

How does it work?

W1TTY offers a choice of customised Visa debit cards and plans so that you can select the one that best suits you and only pay for what you need.

Full details of each plan have yet to be revealed, but we can tell you the following:

  • The Student + plan is designed for, you’ve guessed it, students. It offers giveaways, a range of benefits and extra money each month – W1TTY will pay eligible plan holders €2 a month.
  • The Every1 card gives you access to a free everyday account, with all of W1TTY’s features, cashback and spend and save options.
  • The Made to Measure card lets you personalise your account by choosing the features you need. You’ll also be able to enjoy more benefits such as unlimited cashback. This plan costs €3 a month.

You can earn 3% cashback every time you spend. The App allows you to make quick and easy transfers, and split bills with friends. There is also a program that actively rewards you when you use the app. You can complete different tasks and challenges each day to receive W1TTY points that you can exchange for prizes.

W1TTY also offers an Education Platform that aims to help you learn finance on the go through videos and podcasts. You can then compete with friends in quizzes to earn rewards.
On top of this, W1TTY will also be offering a scholarship program in Lithuania, Poland and Portugal.

Further plans are due to be announced later down the line, with even more features.

How can I sign up?

To sign up, you’ll need to download the W1TTY app. Then you will need to submit your details and ID onto the app. You can then select your card and top it up.

Is it safe?

Because W1TTY holds an EMI licence, your funds will be held in a segregated account that is protected by safeguarding requirements under the Electronic Money Regulations 2011. This means that should W1TTY become insolvent, your funds will be protected against claims made by creditors.

W1TTY is not currently a licensed UK bank, so your money will not be covered by the Financial Services Compensation Scheme (FSCS). However, W1TTY plans to be fully regulated with a banking licence in the future.

Pros and cons of W1TTY


  • Variety of different plans allow you to choose the one that best suits your needs
  • Some plans have no monthly fee
  • Opportunity to earn 3% cashback every time you spend
  • Innovative features such as student scholarships and financial education


  • Fees apply to some plans

Customer service information for W1TTY

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict

Offering a range of different plans for different needs, W1TTY has the potential to be a great (and fun) way for students and young people to learn more about finance and to get better at managing their money. And with new features and plans on the horizon, it could be one to watch over the next couple of years.

Frequently asked questions

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