No cost to you · Funded by your employer

Your employer is giving you access to real financial support

moneymood is a private financial wellbeing platform, completely free for you. Your employer pays so you can get coaching, tools, and insights to take control of your money. Your individual data is never shared with them.

100% free for employees • Your data stays private • No credit checks • Cancel anytime

AI Financial Coach

"Based on your spending patterns and current rate, refinancing your home loan could save you $287/month. Want me to show you how that compares to your current lender?"

Your Financial Wellbeing

Overall score 74/100

Savings identified $4,200/yr

What You Get

A complete financial toolkit, at no cost to you

Your employer has invested in your financial wellbeing. Here's what's included in your access.

AI financial coaching 24/7

Ask anything about your money: budgeting, debt, savings, super, investing. Get personalised guidance whenever you need it, day or night.

Spending analysis

See exactly where your money goes. Understand your patterns, spot subscriptions you've forgotten about, and find easy wins.

Net worth tracking

Track your assets, liabilities, and progress over time. See your full financial picture in one place.

Debt strategies

Whether it's credit cards, personal loans, or your mortgage, get clear plans to reduce what you owe, faster.

Savings on home loans

If you could save on your home loan, we'll show you. Our proprietary technology identifies savings opportunities, free to you, no obligation.

Insurance savings

We identify where you might be overpaying for insurance cover and show you better options. Optional, no pressure.

Rewards and savings

Access cashback and rewards through our connected partnerships. Earn while you spend at everyday retailers.

Goal setting and projections

Set savings goals, plan for big purchases, and see projections of where you'll be in 6 months, 1 year, or 5 years.

Privacy and Security

Your employer never sees your financial data

This is your private space. Your employer only ever sees aggregated, anonymous wellbeing metrics across the whole team, never individual information.

AES-256 Encryption

Your data is encrypted with the same standard used by banks. Protected at rest and in transit.

Only Aggregated Data Shared

Your employer sees team-level trends like "average wellbeing score improved." They never see your name, your accounts, or your transactions.

CDR Compliant

Accredited under Australia's Consumer Data Right. Governed by the ACCC and OAIC, the strictest data standards in the country.

Read-Only Access

moneymood can never move your money, make payments, or change anything in your accounts. View only, always.

How It Works

Four simple steps to get started

It takes less than five minutes to set up. No paperwork, no credit checks, no employer involvement after you sign up.

Check if you're eligible

Your employer or HR team will let you know you have access. Check your intranet, benefits portal, or ask HR directly.

Sign up privately

Create your account with your personal email. Your employer is not notified and cannot see your individual activity.

Connect accounts (optional)

Optionally link your bank accounts for personalised insights. This is read-only and completely optional. You still get value without it.

Get coaching and insights

Start chatting with your AI financial coach, set goals, explore your spending, and access connected services if you choose to.

Transparency

How connected services work

moneymood may receive a referral fee when you voluntarily use connected services. Same model as a mortgage broker: free to you, the institution pays. These services are optional and never required.

You'll always be told clearly when a service involves a referral relationship. Nothing is hidden. You're in control of what you use and what you don't.

Refinancing, insurance, and rewards are all optional

You're never charged. The institution pays moneymood

Every referral relationship disclosed at point of use

Platform access is never affected by whether you use these services

FAQ

Common questions

Is this really free for me?

Yes, 100%. Your employer pays for your access as part of their employee benefits. There are no hidden fees, no premium tiers, and no credit card required. Everything in the platform is included at no cost to you.

Can my employer see my financial data?

No. Your employer never sees your individual financial data: not your bank balances, transactions, debts, or anything personal. They only receive aggregated, anonymous metrics about the overall team's financial wellbeing (e.g. "average wellbeing score improved by 12%"). Your privacy is protected by design and by law under CDR regulations.

Do I have to connect my bank accounts?

No. Connecting your bank accounts is completely optional. You can still use the AI coaching, goal setting, and educational features without connecting anything. If you do choose to connect, it's read-only access. moneymood can never move money or make changes to your accounts.

How do I sign up?

Your employer will provide you with instructions on how to access moneymood. Check with your HR team, intranet, benefits portal, or onboarding materials for details.

What happens if I leave my employer?

If you leave your employer, your access to the employer-funded plan ends. However, your data remains yours. You can export it or delete it at any time. If your new employer also offers moneymood, you can transfer your account seamlessly.