Pay any bill straight from your bank.

Upload a bill and JOYnt reads it for you. You approve payment yourself, in your own banking app, every time. We never touch your money.
What we do with your bill
A private, protected AI reads your bill, never used to train anything else. We only take who you're paying, the reference and the due date.
We'll use your email to send payment confirmations and keep your account secure. We never share your personal information.

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Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to split any bill
Joynt demonstration image
Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to split any bill
In partnership with

How JOYnt works

From the moment you upload a bill to the moment it's paid, Joynt keeps it simple and keeps you in control.
1

Upload your bill

Photo, PDF or screenshot. Joynt reads the payee, amount and due date.
2

Confirm the details

Check what we found and approve it. You can schedule bill reminders and share your bills with others
3

Pay from your bank

Your own banking app handles the payment. Joynt never sees your login or touches your money.

100+

Payees

10 seconds

to read your bill

Moneyhub

Partnership

Stay ahead of your bills with reminders

Set a reminder before a bill is due, so nothing slips past you and payments stay on time.
Find out more

Pay now or on pay day

Settle a bill straight away or line it up with your pay day, so money leaves your account when it suits you.

Everyone pays their own share

Share a bill with flatmates, family or friends. Each person gets their own payment link and pays from their own bank. No joint account, no shared card.
Find out more
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Why people choose JOYnt

Most payment methods ask for your card or direct debit details. Joynt never does. You pay from your own bank, so you stay in control.

Pay any bill from your phone.

Upload, confirm and pay from your phone, wherever a bill finds you.
Google play store link
Google play store link

What people are saying

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Common questions

No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.

No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.

No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.

No. Joynt never stores your bank login or card details. Every payment is approved in your own banking app, and the connection is handled by Moneyhub, which is authorised and regulated by the Financial Conduct Authority.

© 2026 Joynt Limited - All rights reserved.
JOYntPay is developed and brought to you by Joynt Limited, Company no. 15943475. Payment initiation services are powered by Moneyhub Financial Technology Ltd (Company No. 06909772) which is authorised and regulated by the Financial Conduct Authority (FCA) as a Payments Initiation Service Provider, reference no. 809360. All logos and trademarks are property of their respective owners.