Lucy is free mobile banking for women in Singapore. Grow your business, track family expenses or save for your dreams.
Personalise your money management experience with useful tools.
Easy to use, convenient and 24/7.
Like your bank, but better. 

Grow. Thrive. Shine. Unstoppable.

Download the Lucy app now. 

This field is for validation purposes and should be left unchanged.
  • Open an account in minutes

  • Fee-free account 
  • Mastercard debit card
  • No-interest salary advances
  • Savings pockets
  • Loan management
  • Low-cost remittances
  • Peer and mentor support
  • E-training and marketplace
image 2995 (1)
Regulated by the Monetary Authority of Singapore


I am excited to say that you have two new customers! Today my helper and I completed signing up for the service, I transferred in money to Lucy, became connected with her, transferred her salary to her and then she sent that to the Philippines. She was most excited about the earned wage access, that she only had to pay $3 to transfer the funds to the Philippines (not $8) and I was happy that I did not have to go to the ATM to withdraw cash! It was GREAT!
- Andrea, finance professional & mother

Having a separate account for my household expenses have been a godsend! Often in a month, even though I budget x amount for say, dining out, I don't track my expenses. I have a Mastercard for my Lucy account and use that exclusively whenever I am dining out. By separating finances as such, I don't need to keep an eye on any excel sheets--making my life much easier!
- Ava, Mother

I am a mumpreneur and have been using Lucy to manage my business expenses. In the past, I went through lots of paperwork just to open a SME account with a bank. With Lucy, I opened an account instantly and received a Mastercard that looks really cool! Now I am using it to pay my staff too. 😄
- Ying, entrepreneur & mother

Love the Lucy banking app! I don't have a helper, but it works great as a first card for my pre-teen. Especially since so many places are cash-free now!
- Ellenor, entrepreneur & mother

Fabulous to have such a useful and user-friendly app for helpers for employers. Really recommend it!
- Helen, lawyer & mother


UNCDF_logo 1


Fortune_magazine_logo_2016 1
New_Bloomberg_Logo 1 (1)
Forbes_logo 1 (1)
tech-in-asia-logo-vector 1 (1)
Yahoo_Finance_Logo_2019 1
image 2994 (1)


named savings pockets with goals

Easy to create separate accounts with meaningful names and goals. No fees or minimum balance. Lucy helps you remove temptation to spend and encourages you to save towards your dreams and realising your potential. Lucy turns what ifs into when can we start.


Create an account for each aspect of your life in minutes, issued with your own debit Lucy Mastercard with no fees or minimum balance.

One for you, one for groceries, one for your helper, one for your small business and one for your children. Name each card and keep track of where money goes.

Lucy’s card has all features of a bank account, but without the unfriendly experience.

Your Lucy debit Mastercard can be used anywhere with a Mastercard logo - in store, public transport or online.

Create an account now!

No-interest salary advances

Lucy enables employees (including helpers) to have access to salary earned every day, allowing salary drawdowns before payday. No interest, just a single fixed fee of $1.00. Goodbye payday lenders, and hello to employees with no financial stress. Lucy empowers.


Fair-rate international transfers

Send money to banks, mobile money or cash agents in the Philippines and Indonesia at very low cost and with the best exchange rates. 24/7, direct from your phone.

Helpers spend less time at remittance agents and more time enjoying their day off.

Peer and mentor support

Entrepreneurship can be stressful, lonely and scary. Sharing inspirational Lucy stories, simple gestures of encouragement, online training, and knowledge; articles will bring interconnectedness. Helping you to navigate the challenges in setting up and growing a business, through our Lucy community: WeLucy. Together we’re unstoppable.

Loan Management

Set up a loan between employees and employers, or friends and family, in minutes. Choose your terms. All the benefits of a formal agreement to avoid awkward disputes and creates an easy to track payback schedule. Automated repayments from linked salaries. Lucy puts control back into your hands.