Smart money habits with GimiA helpful app that connects with your Smart Start Account to help your child learn about money by managing their own.Download GimiJump to:What is Gimi?Get a Smart Start accountWhy Gimi?How does Gimi work?What our customers thinkFAQsWhat is Gimi?Gimi is a fun, family-friendly app designed to help children build smart money habits.It connects to your Smart Start Account and helps turn your child's everyday transactions into learning moments. Gimi creates a protected environment where children can learn, practice, and grow their financial skills with confidence. Everything happens safely, securely and at their pace. No ads, no marketing, and no external data sharing.Gimi also gives you the tools to guide your child's learning and keeps you in full control of what they can do.Remember: As a parent/guardian you own the Smart Start Account and have full visibility of how your child is using it. Not a customer yet? Get a Smart Start Account today to get started.Empower them to be financially confident from a young age. The Smart Start Account is a simple, smarter way to teach money skills to your child (aged 7 to 15).Learn more about the Smart Start AccountWhy Gimi?Helps kids understand moneyGimi connects with your Smart Start Account, which lets your child learn about how money works with actual transactions.It’s freeAll Smart Start Account holders get free access to Gimi.Kids earn money by doing choresGimi lets you can assign specific household chores your child can do to earn pocket money. This helps them learn the value of money.Parental control and resourcesYou can track spending, manage and schedule pocket money, and guide financial habits. The Gimi ‘Moneyguide’ also helps you support your child’s financial education.Child-led savings goalsGimi lets your child set their own savings goals and see their progress towards their goals in real time.Award winningTrusted by over 1.6 million users and 300,000 families, Gimi has won multiple fintech awards.‘Piggy’ the helperPiggy is the kids’ in-app helper that builds confidence and independence, by allowing kids to ask questions and learn more about finances in an interactive way.Fun learningThe Superskills Adventure game teaches kids important money concepts in a fun and engaging way. Ad free.How does Gimi work?1. You download the app and connect your child’s Smart Start accountDownload the Gimi app from the App Store or Google Play and set up your parent profile. As part of the setup, you’ll also create your child’s profile and connect their Smart Start Account. Once the Smart Start Account is connected, you’ll get free access to Gimi Pro and you can choose which features your child can access, so the app is tailored to their age and needs.Top tip: If you’d prefer to connect the account later, just go to ‘Settings’, select ‘Bank Account’, and tap ‘Connect Bank Account’. 2. Your child can see when they get pocket money, track their own spending, and set savings goalsIn the Gimi app, your child can easily see when their pocket money will arrive and how much they’ll receive. They can track their spending and review each purchase by rating it as a success or something they’d change. They can also see simple stats about where their money goes.To build good savings habits, they can set savings goals, move money into their own vault, and track their progress using a visual goal map that makes saving feel more rewarding.Please note: The Gimi vault works separately to the Smart Start Money Pot which pays a variable interest rate. While they can monitor and reflect on their spending in Gimi, purchases are not made directly through the app. 3. You can monitor their financial activity and guide their decisionsIn the parent version of the app, you can keep an eye on your child’s financial activity and support them as they learn to manage money.You can see how they spend and save, how much they keep in their vault, and how they reflect on their purchases by viewing how your child rated them. This gives you a helpful way to start conversations about money and how to build good money habits.You can also set up chores to show your child how to earn pocket money or extra rewards. This encourages responsibility and initiative, and your child can even suggest their own chores to take an active role in earning and saving. 4. Your child learns money skills through real transactions, visual tools, and educational contentGimi helps your child build money skills in a fun and easy-to-understand way. By making their own spending and saving decisions and seeing everything clearly displayed in the app, they can better understand how money works in everyday life.In the Skills section in the app, your child can explore the Superskills adventure, where they complete short lessons followed by interactive quizzes. As they progress, they earn stars that they can use to customise their avatar with new looks and accessories.Other activities like “Shop it or Drop it” are designed to encourage your child to think carefully about their spending choices and develop smart financial habits over time.5. Your child builds confidence and financial independence over timeAs your child uses Gimi regularly, they’ll gradually build healthy money habits and grow more confident in their own financial decisions. By learning how to save, spend, and plan for a goal in a safe and guided environment, they gain a clear understanding of the value of money and how to manage it responsibly. Over time, this helps them feel more prepared and confident in handling money in everyday life.What our customers think"My children, aged 7 and 9, have learnt so much about what money is. They save for their own toys and tidy their rooms with more enthusiasm now.""Gimi helps me learn how to use money. If anyone hasn't tried the app yet, they should download it.""With Gimi I can keep track of my pocket money and get great ideas for chores. I tell everyone they should have Gimi.Download GimiFrequently asked questionsWhy Gimi?With less cash used in daily life, money can feel abstract. Gimi makes it easier for children to see and understand how money works. By partnering with Gimi, our goal is to empower you to guide your child as they develop money skills for life, and help your child to learn how to save, spend and earn.The app was created with input from education experts and is safe and ad-free. Who is Gimi for? Gimi is for children aged 7 and 15. When used together with your Bank of Ireland Smart Start Account, it can help teach them about and how to manage money in a fun and interactive way.What do I need to use Gimi? You will need:Your mobile number or email addressBoth you and your child will need:An online device (smartphone or tablet)A Bank of Ireland Smart Start Account What can I do with Gimi? Gimi turns your child’s Smart Start experience into a practical learning tool. It gives them:Easy access to their balance - Research shows that independent children make better financial decisions in the future. Gimi lets them track their balance in a simple app and helps them understand their spending and savings habits. The chance to earn money by doing chores – Chores help children understand the value of work. Gimi lets you assign household chores so they can earn pocket money.Savings goals - Just like in real life, your child’s money can grow and accumulate. Gimi lets them set their own savings goals and see their progress. They can see how each pocket money payment or purchase moves them closer to, or further from, their goal.Fun games and quizzes - The secret to financial education is combining knowledge with learning-by-doing. Gimi’s Superskills Adventure game teaches kids important financial concepts in a fun and engaging way.An in-app financial advisor - Piggy is your child’s in-app advisor. They can ask Piggy questions and learn more about finances in an interactive way. Piggy also leads children through the app and helps them to easily find the different features.What does it cost to use this service? Gimi is free if you have a Bank of Ireland Smart Start Account.How do I link my child’s Smart Start Account to Gimi?You connect your child's Smart Start Account to Gimi using your parent version of the app. On-screen instructions will show how to do this during the sign-up process.Alternatively, go to ‘Settings’ in the parent version of the Gimi app, select ‘Bank accounts’, and tap ‘Connect bank account’.Stay secure: only link your account using the official Gimi app or trusted Bank of Ireland services. What do I do if I can’t remember my user ID to register for Gimi?Freetext the word 'User' to the relevant number below and we'll reply with your user ID within seconds.Republic Of Ireland: 50365Northern Ireland and Great Britain: 50365Other locations: +353 86 180 3888Keep your details safe: never share your security information with anyone.What should I do if I can’t remember my 365 online PIN to register for Gimi?If you lose or forget your 365 online PIN, call us on the relevant number below and we'll send you a new one.Republic of Ireland: 0818 365 365 or 01 4044000Other locations: +353 1 404 4000Lines are open 9am to 5pm, Monday to Friday (including bank holidays). Lines are closed Saturday and SundayKeep your details safe: never share your security information with anyone.What should I do if I can’t link my child’s Smart Start Account to Gimi?If something goes wrong while trying to link the Smart Start Account and the app, please email hello@gimitheapp.com.You can also use the chat feature in the Gimi app, just tap ‘Settings’ and select ‘Help’.Stay secure: only use official Gimi contact details when looking for support.Will Gimi share spending data with third parties?Gimi will only share spending data with third parties when it is strictly necessary to provide the service to you. Gimi does not sell personal data.What parental controls do I have within the Gimi app? You can use the parent’s version of the Gimi app to:Connect your child’s bank accountMonitor your child’s balance and transactionsView insights and statistics on your child’s spendingTop up your child’s accountSet, manage, and pay pocket money or allowances (weekly or monthly)Assign and approve choresTrack your child’s savings goalsChoose which features your child can useWhat happens when my child turns 16? There is no change to Gimi when your child turns 16. You can choose to use Gimi for as long as you and your child want to.What is open banking? Open banking allows you to securely share your financial information with trusted apps or services, but only with your permission. For example, connect your child’s bank account to the Gimi app to view their balance and transactions in one place.Stay secure: only approve access requests from providers you trust and recogniseWhat should I do if I can’t access Gimi?If you can’t access Gimi, please email hello@gimitheapp.com for support. You can also use the chat feature in the Gimi app, just tap ‘Settings’ and select ‘Help’. They can help you find out if there’s an error with the app or if login credentials are incorrect.What should I do if Gimi isn’t working?If Gimi isn’t working, please email hello@gimitheapp.com for support. How do I stop Gimi accessing my account?To disconnect Gimi, log into 365 online, tap ‘Profile’, select ‘Open Banking Connections’, choose ‘Data Sharing’, select ‘Tink AB’, and tap ‘Disconnect’. Alternatively, you can contact Gimi directly, please email hello@gimitheapp.com. You can also use the chat feature in the Gimi app, just tap ‘Settings’ and select ‘Help’.How can I keep my account safe from fraud?We will never call, text or email asking you to share your six-digit passcode, one-time activation codes or your full 365 PIN. We will never ask for your full card details or ask you to share codes from the Business On Line Approval app. Do not share them. Remember, we will never ask you to transfer money out of your account to protect yourself from fraud. For more information, visit Security Zone.