Lucy is regulated by the Monetary Authority of Singapore

Create an account for each aspect of your life in minutes, issued with your own prepaid 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 prepaid Mastercard can be used anywhere with a Mastercard logo - in store, public transport or online.

Create an account now!

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.

Fee-free 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.

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.


Loan Management

Set up a loan between employees and employers 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.

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.