Dozens Home

Your personalised homescreen is a dashboard of everything you need to know about your money. From how much you can spend today to how your future plans are shaping up.

Spend

Get a UK current account complete with a sort code, account number and debit card. Your spending habits are explained visually by size, category, location and even happiness!

Track

Stay in control of your spending with daily and weekly budgets. It tells you how much you can spend every day, based on what you spent the day before.

Save

Build your savings easily with auto round ups and fun rules like save ‘every time it rains’. Earn 5% p.a. with our fixed interest bonds. There’s no lock-in and the interest is paid monthly.

Invest

Choose portfolios based on themes, whether it’s green energy or technology. Know when you’re on or off track to reach your goals.

Spending Visualised

Understand your money habits like never before, with your spending explained visually by category, location and even happiness!

Savers Awards

Savers Awards are our way of rewarding you for good financial behaviour. They are a monthly draw of cash prizes for completing various actions in the app. You can find it in ‘Profile’.

Help

There’s assistance whenever you need it within the app. If you prefer a conversation, the friendly Dozens team is just a chat or call away.

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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 client accounts at a UK regulated bank in accordance with the FCA requirements and the Electronic Money Regulations 2011 (not FSCS protected), which means that Dozens has no access to your money for its own purposes.

Cash savings

Separately your cash savings (excluding any bonds) of up to £85,000 held in the Save section of the app are covered by the Financial Services Compensation Scheme (FSCS).

5% p.a. fixed interest bonds

The bonds are not FCA regulated products, and FSCS protection does not cover the bonds themselves. The interest offered by our fixed interest bonds, in the Grow section of the app, will not fluctuate even in different market conditions. However we understand that you will still need to be comfortable that as a new company, dozens will be able to meet its financial commitments. Because of this, and to help build your trust in us we will place all of your money to be invested plus the full 12-months interest, in a separate trustee-controlled account on your behalf. This would be used to pay you in the event of any default on our part. The bond programme currently has a maximum limit of £7m, with expected issuance volumes of between £100k-£1m a month.

Investments

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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