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£2 million in pre-seed investment ALREADY

Invest in one of the UK’s most premium fintechs

ikigai aims to be the first fintech in the UK to combine wealth management with everyday banking in one single app - giving clients the opportunity to spend well, save well, and invest well.

Join our Crowdcube round. Invest from as little as £10

Investments of this nature carry risk to your capital and should be invested in as part of a diversified portfolio. Please Invest aware.

Invest in the future of wealth management. 
Invest in ikigai.

ikigai is redefining the way young affluent people bank, approaching personal finance from a personal place — an approach to money that we believe escapes incumbents and challengers alike.

Young affluents are entering their prime earning and spending years1. They have specific expectations of the financial sector that aren’t being met. Unlike previous generations, they approach their wealth as an act of self-care, rather than avarice.

That’s why we’re helping this under-serviced but increasingly powerful audience achieve their financial and personal goals - whatever they are.

Join our exclusive community and invest in the future of wealth.

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Plenty of problems

Premier Retail Banking

Free with upsold add-ons, Current Account +, high tech, low touch, mass consumer base. 

Wealth Management

Complex fee structure, low-interest, separate from personal finances, impersonal, too beginner or too complex, crowded landscape.

Private Banking

Inaccessible, expensive fees, low tech, high touch, stringent client criteria.

One Solution

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Our market opportunity


Young Affluents2 in the UK - and growing.3


The size of the global self-care industry in 2020.4


Of high-net-worth UK millennials say they are dissatisfied with their wealth manager.5


Wealth transfer from Boomers by 2046.6

Pre-register to join our Crowdcube round. Invest from as little as £10.

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Our journey so far...


Aiming to be the first UK fintech to integrate wealth management and everyday banking in one app

Pre-seed investment


Fully meets FCA requirements as AR for Wealth Management and Agent for E-Money


FSCS protection on all investments up to £85,000


Where wealth meets purpose

We’re redesigning banking for the future of affluence with a product that truly provides self-care for your money. It’s about creating a product and space where their wealth meets their sense of purpose.


Uniquely combining banking and wealth management to allow high levels of access, control, simplicity and balance.


Simple, clean design. Clear language. Accessible user interface. Money splitter feature that lets you make small investments on the go.


Combining high-tech and high-touch: using technology to facilitate genuinely personal banking via relationship managers.


Elegantly designed at every touch point, with a subscription model that is fair and transparent (unlike traditional percentage-based fees).


Enabling you to fulfil your sense of purpose with a separate “Nest” account for savings and “Goals” for investments. All portfolios are built and managed by ikigai in collaboration with BlackRock, the largest global asset manager, who provide insights and asset allocation guidance.

We aim to make your money grow

Whether you’re a client, or an investor. 

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Our Mission

With the capital raised from crowdfunding we will:

Your Money

Accelerate our product

We have plenty of features yet to come, including a release on Android and the launch of thematic portfolios.

Invest in our team

Our team is our greatest asset.  We will invest in our growing best-in-class relationship management team, as well as engineering and product talent.

Invest in the future. Invest in ikigai.

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All Investors receive an exclusive ikigai Investor Card. 

The Investor Card


Invest over £50 and you’ll receive early access to all new ikigai features, and everything from the previous tiers.

Exclusive Access


Invest over £100 and you’ll receive exclusive access to ikigai events, investor-first updates and interviews, and everything from the previous tiers.

ikigai Insights


Invest over £500 and you’ll receive all ikigai services free for a year, and everything from the previous tiers. 

ikigai Invest


Invest over £1000 and you'll fund one crisis debt advice session for a vulnerable person in collaboration with Crosslight, and everything from the previous tiers. 

Financial Freedom Reward


Invest over £10,000 and above ikigai will be free for life, saving you money on fees forever. You’ll also be invited to join our bi-annual client council, receive beta-access to all new features and help guide the future of ikigai. We’ll even take you out to dinner for a chance to meet the founders at a top tier London restaurant. Plus everything from the previous tiers. 

Unlock ikigai

Invest in the future. Invest in ikigai.

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Why is ikigai crowdfunding?

ikigai is a well-funded fintech with the backing of significant institutional investors, but we want to give our community the opportunity to be part of our journey as well. Our clients are at the heart of what we do and we want to ensure that as many of them as possible have the chance to own a part of our success. Along with our latest round of funding, all money raised through our crowdfunding campaign will be put towards accelerating our product and growing our team - the two things that will allow us to truly focus on providing the best-in-class service we know people want and need.

What does ikigai offer?

ikigai uniquely combines personal banking and wealth management, so you can spend, save, and invest all from one app. Our carefully curated and globally diversified portfolios of ETFs are built in collaboration with BlackRock, the leader in asset management, who provide insights and allocation guidance. We also provide current account features as an “Everyday” account and a completely separate “Nest” account for your savings. Innovative money splitter features allow you to easily allocate your money as it comes in, so you’re entirely in control of how much you put aside for day-to-day purchases, and what you save or invest.

How is your offering different to other challenger and digital banks?

ikigai is the first fintech in the UK to provide a current account, savings account and wealth management all in one app. We work with best-in-class technology and financial partners to ensure the premium level of service that we know people want and deserve.

Who are the founders of ikigai?

Maurizio Kaiser is the co-founder of ikigai, on a mission to build the UK's first real digital private banking service. Maurizio grew frustrated with the current “premium” banking offerings in the UK and believes private banking should be as smooth and seamless as ordering a flat white. Prior to founding ikigai, Maurizio was at McKinsey and Company where he met co-founder Edgar de Picciotto.

Edgar di Picciotto is the co-founder of ikigai, a premium service combining digital banking and wealth management in one app. It is Edgar's belief that your money should help you achieve your goals and reach financial harmony, rather than being the point of stress that it has always been. Coming from Switzerland, the country of banks, Edgar is fueled by the desire to bring a premium service to the digital banking and wealth management landscape. Edgar brings his skills developed as a financial engineer and consultant at McKinsey and Company to design ikigai to better take care of our own finances.

What is equity crowdfunding?

When you invest in equity, you buy a percentage share of a business. When the business you have backed goes on to IPO or ‘exit’ (by floating on the stock market or being bought by another company), hopefully those shares that you bought will be of a higher value than when you invested and you will get a return on your investment. This in turn gives you a profit. Of course, investing in a startup business is not without risk and there is a significant chance of loss of your investment or dilution. You can read more about the risks of equity crowdfunding on the CrowdCube website.

Who are CrowdCube?

CrowdCube is a platform that enables businesses to attract investment from professionals and VC firms, as well as from everyday investors. They have facilitated crowdfunding raises for Monzo, Moneybox, Curve, BrewDog, and Freetrade.

I registered my interest, what happens next?

Thank you for registering! We’ll be sharing lots of information over the next few weeks with more detail on our crowd raise, including the live date.

When will the campaign go live?

The campaign will go live in mid-April. Register now to be first to know the live date.

Who can invest?

Anyone over the age of 18 years old and legally entitled to invest can become an ikigai crowdfunding investor. You also need to be a UK resident or a country where you can legally receive financial promotions of the nature provided. More details are available on the CrowdCube website. All eligible ikigai clients will be notified first and given early access. You will also need to be a CrowdCube member to invest, so you can sign up here.

Will there be early access for ikigai clients?

Yes. If you’re an ikigai client then you’ll be first to know about every step of our crowdfunding journey - including the live date. Eligible ikigai clients who have pre-registered will also be given early access to the Crowdcube, followed by everyone else who has pre-registered.

Who else has invested in ikigai?

Ikigai has already received £2 million in pre-seed investment from both private and angel investors.


Invest in the future. Invest in ikigai.

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Risk Warning

Investments of this nature carry risks to your capital and should be undertaken as part of a diversified portfolio. Please Invest aware. This page has been approved as a financial promotion by Crowdcube Capital Ltd authorised by the Financial Conduct Authority *No. 650205.

© 2021 ikigai | All rights reserved

The value of your portfolio with ikigai can go down as well as up and you may get back less than you invested. Returns are not guaranteed and any historical returns, expected returns, or probability projections referenced on our website may not reflect actual future performances. You should seek financial advice if you are unsure about investing. 

ikigai is not a bank. ikigai is a trading name of Ikigai Invest Services Ltd, a company registered in England and Wales (Company number: 12011662). Ikigai Invest Services Ltd is registered with the Financial Conduct Authority (FCA) as an EMD Agent (reference number: 902740) of PayrNet Limited, an Electronic Money Institution authorised by the FCA (reference number: 900594) and is an appointed representative of WealthKernel (reference number: 723719) which is authorised and regulated by the Financial Conduct Authority. Registered address: The Harley Building, 77 New Cavendish Street, London, W1W 6XB

Our message to you

Crowdcube is a British investment crowdfunding platform, established in 2011.


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