Constance
A new kind of bank, in partnership with GriffinGet Constance
Banking with a spine. Now in the UK.

Constance
says no.

Set monthly limits on the spending you regret. Once they're set, they stay set.

Download on the App StoreGet it on Google Play
Set limits you can't break.iOS & Android at launch
23:47
AM
Current account
£2,418.60
Available · ends 4417
Pay
Move
Limits
Constance23:47
Declined — Deliveroo · £18.40
That's it. See you next month.
Your limitsAugust
Food delivery£120 / £120
Amazon£64 / £100
Uber£31 / £80
HomeLimitsCardYou
23:47
Someone on their phone late at night

You already know how much you want to spend.

The problem is that at 11:47pm, the decision you made at the start of the month becomes very easy to undo.

Constance makes the earlier decision stick.

Banking designed to say no

Your current bank is designed to help you spend more.

One-tap checkout. Saved cards. Instant credit. Pay in four. An enormous amount of engineering points in the direction of yes. Almost none of it points the other way.

Your current bank
Built to say yes
Constance
Built to hold a no
Your budget is a number in an app you can ignore
Your spending limit sits on the account itself
Checkout in one tap, cards saved
A no at 11:47pm, decided by you in advance
Spend now, split it later
Set once for the month, then it stays set
A summary once the money's gone
A stop before it goes. Everything else, normal

Constance is built to help you save.

How it works

Set up once
01

Find the problem areas

Connect your existing account during onboarding and identify where money repeatedly disappears.

9:41STEP 1 OF 3
Where does it go?
LAST 3 MONTHS · AVERAGE
Food delivery
31 orders
£214
Amazon
19 orders
£163
Uber
24 trips
£141
Groceries
£286
Choose 3 to limit
02

Set your monthly limits

Choose exactly how much you're prepared to spend on each problem category.

9:41STEP 2 OF 3
FOOD DELIVERY
£80
PER MONTH · WAS £214
£0£220
From 1 September, this limit can't be raised until the month ends.
Set for September
2 OF 3 LIMITS SET
03

Constance holds the line

Once the period begins, those limits aren't there merely to warn you. They're there to work. Everything else continues normally.

23:47PAYMENT REQUEST
DECLINED BY YOU
Food delivery · £18.40
That's it. See you next month.
August limit£120 / £120
RESETS IN 9 DAYS
EVERYTHING ELSE — NORMAL
Fine.

You choose where the line sits.

Constance only steps in where you asked it to. Everything else behaves normally.

Not a locked-down account. Three lines you drew yourself.

Food delivery£80 / month
Amazon£100 / month
Uber£120 / month
Everything elseNo limit

What August looked like with limits on.

These are the payments Constance turned down last month, and when they came in.

£412
stayed in the account in August.

You decided that back on the 1st. Constance just stuck to it.

Declined by youAugust
Deliveroo23:47£18.40
Amazon01:06£64.99
Uber02:41£26.80
Deliveroo22:58£22.10
+ 11 more across three categories£412.00

Illustrative. Your categories and limits are your own.

Constance says no.
In partnership with Griffin
23:47
You said no first. Constance simply remembers.
A dial turned to a marked limit
Set the limit once.
Decide once.
Constance remembers.
A new kind of bank, in
partnership with Griffin
The account

A new kind of bank, in partnership with Griffin.

The Constance account is provided by Griffin, the regulated bank behind it. Your salary, direct debits and day-to-day payments work as you'd expect.

Constance adds the limits you asked for, and holds them — no changing your mind in the moment.

Constance
A. MORGAN
DEBITAccount provided
by Griffin

Decide once.
Constance remembers.

Set your limits in a few minutes. Then leave them alone.

Download on the App StoreGet it on Google Play

iOS & Android at launch