$umm is coming soon to iOS and Android

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FOR PARTNERS

We're building $umm on licensed open banking.

$umm is a personal finance app for Greece and Cyprus. It brings together a user's accounts from every bank they use, through PSD2, and turns them into a clear picture: what's left until payday, bills, subscriptions and alerts.

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At a glance

Product
Personal finance app for iOS and Android
Markets
Greece, then Cyprus
Stage
In development, pre-launch
Open banking
AIS only (account information)
Payments
No payment initiation (PIS)
Infrastructure
Hosted in the EU
Team
Athens, Greece

FOR OPEN BANKING PROVIDERS

How we use open banking.

We ask only for what the app needs to show users their own finances. Nothing more.

Accounts
Account list, IBAN, currency and type (current, savings, card).
Balances
Booked and available balance per account.
Transactions
As much history as the bank allows at connection, then refreshes up to 4 times a day without the user present, as PSD2 allows.
Consent
Up to 180 days, with renewal reminders for the user and one-tap revocation.
Out of scope
Payment initiation, credit scoring, selling or reselling data.

Target coverage

We're looking for production (not beta) account information coverage for the banks below.

Greece

  • National Bank of Greece
  • Piraeus Bank
  • Alpha Bank
  • Eurobank
  • Optima bank
  • CrediaBank
  • Vivabank
  • Aegean Baltic Bank
  • Cooperative banks

Cyprus

  • Bank of Cyprus
  • Eurobank Cyprus
  • Alpha Bank Cyprus
  • AstroBank
  • Ancoria Bank
  • Cyprus Development Bank

Digital banks

  • Revolut
  • N26
  • Wise
  • bunq

FOR COMPARISON PLATFORMS AND PROVIDERS

Users who know what they pay today.

$umm users will see exactly what they spend on energy, telecoms and insurance. When they want something better, we want to bring them to you, with their consent.

  • Electricity and gas
  • Mobile and internet
  • Insurance
  • Ranked by price onlyThe order of offers is never for sale.
  • Disclosed partnershipsEvery commercial relationship is shown clearly to the user.
  • Contact only with consentUser details reach you only if the user explicitly asks.

Our principles

  • Consent firstUsers approve every connection, see what they've approved and revoke it whenever they like.
  • Data minimisationWe ask only for what the service needs. Data is not our product.
  • TransparencyDisclosed fees, price-only ranking, no hidden promotions.
  • EuropeEU infrastructure and GDPR-led design from day one.

Where we are

  1. NOWWe're here Build

    Open banking integration and a first release with the core features.

  2. NEXT Pilot in Greece

    With our first users, in waves.

  3. THEN Public launch in Greece and Cyprus

    Together with the first partnerships that help users pay less.

Let's talk.

Write to us about partnerships, bank coverage or technical questions. You'll hear back directly from the founding team.

partners@summ.gr Email us

Logo and brand assets

Please use the logo as is, without changing its colours or proportions, and leave clear space around it at least the height of the “u”.