Can I use HEY!Money for free?
Yes. No card or subscription: you get 5 free credits every month (on the 24th) and 20 for every person you invite who signs up.
Stop chasing what you’re owed.
HEY!Money does it for you — so friends stay friends.
Keep track of who owes you what, one person or a group. We send gentle, automated reminders so you get paid without the awkward talks.
Free to start · No bank connection needed · Earn credits by sharing · We focus on getting you paid
Saturday dinner
€120 split between 5 people, including you
- 127+debts tracked
- 255+HEYs sent
- 85%of debts paid on time
Real figures accumulated since launch in summer 2026, up to 31 October 2026.
Split any bill in one tap.
Try the maths before you sign up - nothing is sent.
People, including you
3
Enter a valid total (up to €10,000, with at most 2 decimals).
Review your contacts and decide whether to send reminders. Nothing is sent now.
You send a HEY. Your coach finds the words.
A friendly message, written to help you get your money back and sent with care on your behalf — so it reads as a reminder, not a reproach.
- It names the amount and what it was for, so nobody has to guess.
- It comes from HEY!Money, so you are not the one chasing.
- It gives your friend an easy way to answer, without an awkward conversation.
Easy for both of you
With SMS or email, your friend opens a private link and answers in one tap. You get a notice in the app, and the date is recorded on the debt.
What your friend sees
Luis sent you a reminder
When do you think you can pay?
What you see
Pedro has indicated 13 October as the repayment date. It’s now recorded for you.
Example with SMS or email. WhatsApp uses the standard approved message and has no response link for now.
Three steps. That is the whole app.
- 1Note itName, amount, what it was for.
- 2Send a HEYYour coach writes it; you choose how it goes out.
- 3Get paidBizum, transfer or cash. Mark it settled.
Shared flat: clear for both of you
Several expenses with your flatmate add up to one balance. They see exactly where the number comes from.
You see
Carlos owes you€592
Your flatmate sees
Breakdown
- October rent+€600
- Groceries (Carlos paid)−€32
- Internet+€24
Total due€592
The breakdown only shows when the expenses add up exactly to what you ask for.
What people say
“Because lots of debts don’t need a whole Tricount.”
JacoboFlatmate in London“I didn’t want to look stingy, but the €25 several friends owed me added up to real money. HeyMoney sorted it with no awkwardness.”
AnaHen party“I was tired of my brother getting a bad name for being forgetful. With HeyMoney he always pays me now and nobody talks badly about him.”
DavidFamily stuffStart free. Add credits when you need them.
A WhatsApp uses 1 credit and an SMS uses 3. For example, 30 credits let you send 30 WhatsApps, 10 SMS, or a mix of both.
Free
€0
- 5 free credits every month, topped up on the 24th
- 20 credits for every person you invite who signs up
- No subscription required
HEY!Money Plus
€1.99/month
30 credits a month + your 5 free credits
20% more credits than the €1.99 one-off top-up
- 35 credits a month in total, delivered on two dates
- Paid credits add up and never expire
- Cancelling stops future renewals and keeps your balance
- Works with top-ups and invites
Planned terms.
One-off top-ups
One-off purchase, no automatic renewal. Paid credits add up and never expire.
10 credits
€0.99
25 credits
€1.99
Best price per credit
70 credits
€4.99
We are preparing these options. Tell us which one interests you; you will not be charged.
Why I built HeyMoney
I’ve seen many friendships and families damaged over money. People don’t realise it often starts with small amounts and forgetfulness, but that builds resentment that eventually breaks relationships. It happened to me. HeyMoney cuts that vicious circle at the root: a friendly, human way to remember and settle debts without hurting relationships.
Luis Zunzunegui — Founder of HeyMoneyThe short answers
How many credits does each message use?
A WhatsApp uses 1 credit and an SMS uses 3. With 30 credits you can send 30 WhatsApps, 10 SMS, or a mix of both.
What is the difference between a top-up and Plus?
A top-up is a one-off payment for 10, 25 or 70 credits, with no renewal. Plus (€1.99/month) adds 30 credits at each monthly renewal, on top of your 5 free ones.
Can I buy credits or get Plus yet?
Not yet. We are preparing these options and you can tell us which one interests you.
What happens when I confirm interest in an option?
We only record your interest. You are not charged, no subscription starts and no credits are added.
How will paid credits add up?
Paid credits are planned to add up and never expire. If you cancel Plus, renewals stop and you keep your balance.
When would I get my Plus credits?
The 30 credits would arrive at each monthly renewal, and the 5 free ones on the 24th: 35 a month over two dates.
Do you touch my bank?
Never. We do not ask for bank logins or move money.
Does my friend need the app?
No. They just get a message.
How do we settle?
Bizum, transfer or cash — however you already do it.
Stop going broke for being the reliable friend.
Note the first debt now. It takes 20 seconds.
New on the App Store · No ads · No bank access · Nothing is sent without your OK