Your complete financial picture in one secure app, giving you real-time clarity

Welfie is a secure financial app that connects to your bank accounts, superannuation and other financial accounts to give you a clear, consolidated view of your complete financial picture.

Using secure data connections, including Open Banking where available, Welfie reads your balances and relevant information, with your permission,  and brings everything together in one place. This allows you to see how your income, assets, super and liabilities fit together in real time.

By bringing your financial information into one secure app, Welfie helps you understand where you stand today, how you’re tracking for retirement, and when it makes sense to speak with an adviser about your next move.

Open Banking is a government-regulated system that allows you to securely share your financial data with trusted providers, only with your permission.

It is:

• Consent-based
• Time-bound (you control how long access lasts)
• Secure and encrypted
• Designed to give you more control over your data

When available, Welfie uses Open Banking connections to access your information securely and directly.

Welfie lets you securely connect your bank accounts, superannuation, assets and liabilities so you can see everything in one place. This gives you a clear, up-to-date view of your financial position without spreadsheets or manual tracking.

Yes, if the digital connection is supported by your super fund. Some super funds have limited digital connectivity across the industry. Where automatic data is incomplete, you can manually add balances in Welfie.

That’s okay. You can manually add top-level balances if you prefer. Connecting accounts keeps your data real-time, giving you the most accurate picture of your financial position and how you're tracking against your goal - but it’s always your choice.

Welfie is for anyone who wants more clarity and control over their money.

Whether you’re wondering if you need that fourth streaming subscription, saving for your first home, thinking about investing, planning for retirement, or simply wanting to track your progress, Welfie helps you see everything in one place.

It’s for people who want fewer money worries and more informed decisions.

Wherever you are in life, Welfie gives you a clear picture of your finances and the confidence to move forward.

Yes. Welfie uses secure account connections, including Open Banking where available. You control which accounts are connected, and you can disconnect them at any time.

Welfie is read-only. It cannot move money, make transactions or change your account details.

With your permission, Welfie connects to your bank, superannuation, loan and investment accounts so you can see your full financial picture in one place.

We do this using:

• Open Banking connections (where available)
• Globally trusted leader in financial data aggregation and Open Banking tech, Yodlee

These connections are encrypted and designed specifically for financial data sharing. You choose what to connect and you can disconnect at any time.

Welfie uses Yodlee, a global leader in financial data aggregation and Open Banking technology.

About Yodlee:

Yodlee has been operating for over 20 years and supports thousands of financial institutions and fintech platforms worldwide. They specialise in securely connecting financial accounts so users can view their data in one place. You can learn more about Yodlee’s security practices here: https://www.yodlee.com/legal/yodlee-security

No. Welfie is a read-only app. We can see balances and transactions you’ve consented to share, but we cannot:

• Transfer funds
• Make payments
• Change account settings
• Execute trades

Your money stays exactly where it is.

No. Welfie does not store your online banking passwords in plain text.

When credential-based connections are required, they are handled securely through Yodlee’s encrypted systems.

All sensitive information is protected using industry-standard encryption and security controls.

Yes. Your data is:

• Encrypted in transit (when moving between systems)
• Encrypted at rest (when stored)
• Protected using recognised industry-standard security practices

These are the same types of safeguards used by major financial institutions.

You do. Your data always belongs to you. Welfie simply helps you visualise it and make sense of it.

You can control which accounts are connected, withdraw consent, or disconnect accounts at any time

No. We do not sell your personal or financial data. We do not use it for advertising.

Your data is used solely to:

• Show you your financial picture
• Provide insights
• Help you plan with an adviser

Yes. Welfie uses industry-standard security and encryption to protect your data. Your information remains private, and you stay in control of what is connected and shared at all times.

Welfie provides general information and projections only. It does not provide personal financial advice or consider your individual circumstances. When you’re ready for personalised advice, Welfie makes it easy to connect with a licensed Australian financial adviser.

Most money apps focus on budgeting or transactions. Welfie focuses on the bigger picture, helping you understand how all parts of your financial life fit together and how today’s decisions affect your future.

Yes. You can download and use Welfie to see your financial picture, connect accounts, and access insights at no cost.

If and only when you choose to book a 1:1 meeting with a licensed financial adviser, any advice fees will be clearly explained upfront before you proceed. There are no hidden charges within the app.

You’re always in control of what services you use.