Monatree is very safe - more so than your online banking! Because we're only interested in the numbers, not your actual money, so we never need to hold any account numbers or sensitive information about you that could be stolen. But it's not the Matrix - it's all about the numbers!

Money wouldn't work without numbers, but numbers still work without money. Although obvious, this is a reminder that numbers come before money. If you manage your numbers, you will automatically be managing your money - without even trying! The advantage of looking at it this way - it's very hard to be emotional about numbers, but it's even harder not to be emotional about money.

Just think a moment, what makes your real bank so at risk? Simply, once access is made to your account, your real money can be taken! Monatree only acts like a shadow or reflection of your money so it's impossible for your real money to be taken when using Monatree. It doesn't get much safer than that.

The real power behind Monatree is what it can tell you about your future money. To you, this information is highly valuable. To anyone else, it doesn't really mean much. After all, it's just numbers.

Monatree can be made even more secure as you don't even need to call your banks by their real bank names. The same goes for the people you pay, you don't have to use their real names, you could use nicknames or you can use your own secret "code" for your Monatree bank so only you know what it all means! Just another layer of security you can adopt. Because it's not tied directly to your bank account you get complete flexibility.

We focus on the things you can control. It's a sad fact but for most people - other than themselves - control their income. They have a job that pays a regular amount and that cannot be changed very much. Other people decide if they get a pay rise or not. So little point paying too much attention to it, provided their pay can cover basic costs. 

Instead we focus on the bits you can change. You're in control of your spend. You decide if you spend or don't spend. Here's a thought - cutting your costs is tax free. Increasing your income always increases your tax bill. So control your costs and save money and tax!