Get a current account, saving and budgeting tools, access to higher returns and an investment provider – all in one app.

Digital and financial innovation

The Dozens app closes the divide between our two essential financial needs.

The first is ease. It makes money management easier and smarter by using technology inventively.

The second is value. It houses new financial products we have developed to help you maximise your money’s potential.

Usually customers have to use various different services for these, making things harder and inaccessible. We want to help you with your complete financial journey.

The new home for your money

The Dozens app gives you a complete picture of your finances. From how much you can spend today to how your long term goals are shaping up. And it’s all there at your fingertips in the home screen.


  • Free UK current account
  • Free debit card & delivery
  • No fees for using card abroad
  • No fees for cash withdrawals abroad
  • Direct Debits to make regular payments from your account
  • Digital Wallets Apple Pay and Google Pay

A UK current account

Get a current account that’s complete with a sort code, account number and a striking debit card.

• Card freeze/unfreeze
• International transfers
• Send and request money
• Split bills

Your current account money will be securely held in a segregated account in accordance with the FCA requirements and the Electronic Money Regulations 2011. This means, unlike banks, your money never leaves the account and Dozens has no access to it for its own purposes. So FSCS protection is not necessary in the same way it is for other current accounts.

Helping you save more easily

Smart budgeting

How much can you spend today? The app will work it out for you, based on your spend yesterday. Smart daily and weekly budgeting helps you in real life, in real time.

Auto savings

The app can save on your behalf by rounding up transactions and putting aside the change. You can also choose a rule like “Save £1 every time it rains” and save for a sunny holiday!

Your cash savings of up to £85,000 are covered by the Financial Services Compensation Scheme (FSCS).

Growing and investing your money

Unique risk assessment

We can help you identify which investment may be right for you with a simple and friendly risk assessment (not a tedious form!).

Investment based on themes

Choose investments portfolios based on themes or your world view, whether it’s green energy or technology. We charge fees only when your investment goes up.

Fairer fee structure

We only charge fees when your portfolio value is equal to or higher than the amount you've invested, because we do well when you do.

Keeping you on track

We want to help you reach your long term goals, so we’ll prompt you when you’re on or off track so you can make changes.

Bear in mind, as with most investments the capital is at risk. We don’t offer financial advice, however we provide you with ways to judge what may be suitable for you.

We’re here if you need anything

You can rest assured, there’s a dedicated team of people behind the scenes to help you. If you don’t find the answers within the app or just prefer to talk to someone, we’re only a tap or call away.

Looking for a business account?

Dozens is looking to offer business banking services soon. If you and your business would like to be considered for the pilot scheme please email

Wondering about protection?

We are not a bank. We are authorised by the Financial Conduct Authority (FCA) as an e-money institution (FRN 900894) and also as an investment firm (FRN 814281). This means we can offer a range of financial products, which each have different levels of protection.

Current account

Your current account money held in the Spend section of the app will be securely held in segregated accounts at a UK regulated bank in accordance with the FCA requirements and the Electronic Money Regulations 2011.

Dozens is not a bank, this means your current account is not covered by FSCS protection.

Because Dozens is an e-money institution, Dozens has no access to your money for its own purposes. For this reason, unlike with some other current accounts, FSCS protection is not considered necessary as the money does not leave the segregated account and is separate from Dozens’ finances in case of default.

While we make sure your money is safeguarded, and cannot be claimed by any creditors if we happen to go out of business, it is possible that some costs could be deducted by an administrator or receiver. In that case, you should get most, but maybe not all, of your money back. It could also take longer to be refunded than it would with a bank.

If you want to read more about e-money institutions and FSCS protection, you can read more on the FCA and the FSCS websites.

Cash savings

Your Cash Savings can be found at the top of the Grow section. These are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 because we hold them in an account with a UK regulated bank on your behalf. Please be aware any bonds you invest in are not part of cash savings.


When putting money into any investment products, there are two main factors for you to consider – whether the company you made the investment with can meet its financial commitments, and whether the investments you made will fluctuate in different market conditions.

When investing in a strategy through the Invest section of the app, your investment is exposed to fluctuations in the market, which means that the value of your investment may go up as well as down and you may not get back the amount you originally invested.

One final point

Dozens does not give financial advice, you should speak to an expert if you are unsure about investing.

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