One app for investing, saving, borrowing and getting paid

What Pinnora is

Pinnora is an app for investing, saving, borrowing and moving money, built so that each of those sits in the same place as the others. Your investments, your cash, your savings plans and any loan you take are all part of one account and add up to one balance.

There is nothing to download. Pinnora opens in your web browser at mypinnora.com/app/, on a phone or a computer. To keep it on your phone, add it to your Home Screen: on an iPhone, tap Share and then Add to Home Screen; on Android, use the browser’s menu. Once it is installed, Pinnora can send you notifications.

What you can do with it

How we work

A few rules run through the whole app. They are not slogans; each of them is something the app does.

• You see the cost before you pay it. Fees on trades, deposits, withdrawals and sends are shown before you confirm, and a trade whose price or fee changes while you are deciding stops and asks you again.
• A target is called a target. Investment plans show a target return, and say plainly that it is not a guarantee.
• Current figures live in the app. Rates, rewards, fees and limits are set in one place and shown in the app as they stand, rather than printed on pages that cannot keep up.
• Your money needs you. Money leaving your account needs your password or a passkey on top of being signed in. More on security

Usernames and paying each other

Every member chooses a username. It is how other members find you and pay you, so you never need to share an account number. Sending money to another member is instant, has no fee, and lands straight in their funding wallet — they get a notification the moment it does. A member can also share a pay link that opens the app’s send screen with their name already filled in.

Inviting friends

Every member has a referral link to share. When a friend joins through it, verifies their identity and their approved deposits reach the qualifying amount, you both receive a reward. The reward and the qualifying amount are shown on the Referral program screen of the app, where they are always current, along with everyone you have invited and how far each of them has got.

Capital for businesses

Empowerment is Pinnora’s programme of capital for businesses rather than portfolios. It offers facilities for businesses at different stages, each with its own amount range, rate, terms and requirements, all set out in the app. A verified member can apply from the Empowerment screen, and the app says how long a decision takes.

Getting in touch

The quickest way to reach us is a support ticket in the app: describe what happened, attach a screenshot if it helps, and keep replying until it is resolved — then rate the answer. You can also e-mail support@mypinnora.com. Many questions are already answered in the help centre.