Is it free?
Yes. You start free and you never connect a card to try it.
Keep track of who owes you what, one person or a whole group. Split expenses and let HEY!Money send the reminders for you.
Free to start · No bank connection · You get paid as usual
Saturday dinner
€120 split between 5 people, including you
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.

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.
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
Example with SMS or email. WhatsApp uses the standard approved message and has no response link for now.
Yes. You start free and you never connect a card to try it.
Never. We do not ask for bank logins or move money.
No. They just get a message.
Bizum, transfer or cash — however you already do it.
Note the first debt now. It takes 20 seconds.