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99%
Raised
£198,160
Investors
228
Target
£200,000
Equity
6.90%
Pre-money valuation
£2,700,000

Muniy is for everyone, extending the digital banking revolution to more aspects of people's lives, starting with building a better retail experience and closer connections with merchants. With our recently launched app and the Muniy contactless card, we're on a mission to bring a better, easier life to everyone.

  • Muniy is focused on improving how people use money, starting with retail
  • Muniy plans to introduce personalised rewards to customers
  • Already launched app and contactless card in the Uk and EU 
  • Muniy aims to halve the £30m+ in annual fees that merchants currently pay

Idea

Until now, many neobanks have focused on improving the user experience for familiar banking functions. But this isn't the only place where people use money — in fact, it's just the start. By extending into other areas, starting with a retail experience, Muniy aims to offer better, more personalised banking, for everyone.

By paying with Muniy, customers connect anonymously with merchants, whilst allowing merchants to benefit from lower transaction processing costs (currently a global spend of £30B+ annually) and higher levels of customer loyalty.

We currently offer freemium and paid accounts with core features including QR Payments, instant P2P money transfers, real-time transaction notifications, contactless cards and more. Part of our plan to drive adoption is to offer a lower transaction cost to merchants (up to 50% less than what they currently pay) and eventually partner with brands to develop personalised reward schemes for customers.

Investment from this round will go towards our plans to run a pilot in the UK + EU, aiming to leverage a mature market to establish a foundation quickly, followed by introducing our core financial services to key markets in the Middle East.

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Risk warning

Investments of this nature carry risks to your capital, including illiquidity, lack of dividends and dilution. Balance risk with a diversified portfolio. Read more. Approved as a financial promotion by Crowdcube Capital Limited, which is authorised and regulated by the Financial Conduct Authority.

Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

Muniy Limited has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Seed Enterprise Investment Scheme (SEIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 50 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.