Cookies

Introduction to Cookies

If you share a flat in the UK, you know the drill. Someone pays for the electricity. Someone else covers broadband. A third person picks up groceries, and a fourth conveniently forgets they owe money. The group chat fills up with awkward reminders. Someone makes a spreadsheet nobody updates.

What are cookies?

This is not a small problem. According to the most recent English Housing Survey, millions of adults in England live in shared households, with a significant proportion aged 25 to 34. [EV-P-001 — source, access date, approver required.]

• [Outbound link: DLUHC English Housing Survey page.] Between rent, utilities, groceries, and subscriptions, a typical flat spends several hundred to over a thousand pounds a month on shared expenses.
• Standard payment apps let you send money. They do not help you understand who owes what or whether the split was fair.

Kixy is a group payments platform for people who share expenses. It connects to your existing accounts via Open Banking and provides your group with a shared view of expenses, balances, and settlements.

[Open Banking note: Kixy connects to your bank through Open Banking with read-only access. You are redirected to your bank to approve the connection. Kixy never stores your login credentials. Settlements require your explicit approval each time.]

Create a group. Add flatmates. Log bills. Kixy suggests who owes what and can help everyone settle via Open Banking where their bank supports it. We call this Money with Memory: every logged transaction has a name, a group, a history.

Which Cookies Do We Use

Setup takes under five minutes. Connect your account through Open Banking. Create your flat group and invite flatmates with a link. Log expenses. Kixy suggests each person's share. Settlements can happen through Open Banking with your explicit approval each time.

Kixy is registered with the FCA as a Small Payment Institution (FRN 814005). [Outbound link: FCA register page for FRN 814005.]

Essential cookies

UK flatmates sharing recurring expenses: rent, utilities, groceries, subscriptions. We are starting here because the problem is most acute: recurring, multi-person, multi-category expenses needing ongoing tracking. We are currently in early access.

Analytics cookies

We use analytics cookies to understand how visitors interact with our website. This data is collected anonymously and helps us improve the experience for all users. These cookies do not store any personally identifiable information.

How to manage cookies

If you want to do this the simple way:

1. Sign up for early access at kixy.com/flatmates (takes 60 seconds).
2. Create your flat group and invite your flatmates with a single link.
3. Log your first shared expense — Kixy suggests the split, you confirm.

List of Tracking Services Used

We use a limited set of third-party tracking services to help us operate our website and improve our product. Below is a full list of the services we use, what they collect, and why.

For more information on how we protect your data, please read our Privacy Policy. If you have questions about our use of cookies, contact us at privacy@kixy.com.