There’s little point in creating something new unless it’s significantly better. All businesses created under the Civilised brand will do business in a civilised way. We expect our partners to do the same.

Enriching – you’ll feel better being civilised. We’ll genuinely strive to help our customers become happier and more relaxed – richer in spirit as well as in cash. civilised is new and better. We like making people grin.

Transparent – we’ve got nothing to hide. We’ll be open about our structure and financing and will collaborate in order to develop new ideas and initiatives.

Cool tech – we’re a digital business. We’ll use the best technology to make money management safe, fun, easy and efficient. We will continually strive to identify new ways in which technology can help us.

Responsible – it’s your money. We recognise the responsibility that comes with taking care of your money. We take that responsibility very seriously.

Sustainable – powering positive social change. We are committed to playing a part in creating a more peaceful, sustainable and fulfilling society. The CivilisedGroup will only invest in projects that enrich people's lives, communities and the environment.

Fair – we work in our customer’s interests. We trust and respect our customers, communicating clearly and without jargon. civilised will work to ensure that all agreements are understood and equally valuable to all parties.

Learning – helping people make the most of their lives. People need to be able to make informed decisions about managing their money. civilised will use technology to make understanding finance interesting and easier for everyone.

Ethical - If there is an ethical doubt, we will not do it.