$umm is coming soon to iOS and Android

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Secure. Not because we say so. Because the law says so.

$umm connects to your bank under the same European rules every bank follows. Your money stays in your bank. You stay in control.

How the connection works

YouChoose your bank and accounts in $umm.
strong customer authentication
Your bankYou sign in on the bank's own page. Your passwords go there and nowhere else.
read-only consent, up to 180 days
Licensed providerAn account information service provider, supervised by an EU authority.
balances and transactions
$ummShows you the full picture, ready. View-only.

Why is it safe? In plain words.

You don't need to know what PSD2 is. You only need to know these four things.

This is what approval looks like. It happens inside your bank, not in $umm.
  • Only your bank knows your passwords.

    You never type them into $umm. To connect, you sign in on your bank's own page, just like every day.

  • $umm can only look.

    Like showing someone your bank statement: they can read it, but they can't take money out. Payments and transfers are made only by you, in your bank.

  • The permission is yours.

    It lasts up to 180 days and then needs your approval again. You can cancel it whenever you like, with one tap in $umm or in your bank.

  • It's set out in law.

    Connections follow the EU's PSD2 law and go through a licensed company that's supervised like a bank.

Connecting, in three steps

  1. In $umm, tap “Connect a bank” and choose your bank.
  2. Your bank's own page opens. Sign in there and approve.
  3. Your accounts appear in $umm. That's it.

One more thing: your data is yours. We don't sell it and we don't share it with advertisers.

OUR COMMITMENT

Five promises. In writing.

Security isn't a feature of the app. It's the reason the app exists.

  • Your data is not the product.

    We use it only to show you your finances. We don't sell it and we don't share it with advertisers.

  • View-only, by design.

    Your bank gives $umm read-only access. You approve it, it lasts up to 180 days and it renews only with your approval. Payments and transfers are made only by you, in your bank.

  • Encrypted at every step.

    Data travels encrypted (TLS), just like in e-banking, and is stored encrypted on infrastructure inside the EU.

  • You hold the key.

    Revoke access with one tap, from the app or from your bank, and it takes effect immediately. You can also delete your account and its data whenever you want.

  • Ask us anything.

    Write to us at info@summ.gr. A real person from the team will answer.

The full details will be in our Terms of use and Privacy policy, which we'll publish before the beta opens.

The rules, in plain words

Read Article 67 (in Greek)
  1. EUDirective (EU) 2015/2366PSD2

    The European payments law. It gives you the right to see your accounts in an app of your choice.

  2. GREECELaw 4537/2018, Article 67Government Gazette A 84/15.05.2018

    Access only with your explicit consent, only to the accounts you choose and only for the service you asked for.

  3. EURegulation (EU) 2018/389Strong customer authentication

    You approve access inside your bank, with your own credentials and a one-time code.

  4. SUPERVISIONLicensed providersPublic EBA register

    Account information service providers are licensed by an EU supervisor, such as the Bank of Greece, and listed in the European Banking Authority's public register.

$umm is coming soon to iOS and Android.

For Greece and Cyprus. Got a question? A real person from the team will answer.

Write to us