For people who find it hard to stop spending.
Perim says no.
A current account that helps you stop overspending.
Set monthly limits. Perim declines the payments that would break them.
MONTHLY BUDGET REACHED
Payment
declined.
Your £80 Deliveroo limit is used up. No more orders this month.
Spending
can be hard
to stop.
Whether you have ADHD, struggle with compulsive shopping, or keep making purchases you regret, Perim helps you stick to the limits you choose.
Set your monthly budget.
Your account keeps you to it.
Set an £80 monthly Deliveroo limit. Spend £80, and Perim declines the next order. That money stays in your account.
Salary in.
Bills paid.
Limits built in.
A full current account for your everyday life. Get paid, pay your bills, put money into savings, and spend with your Perim debit card.
Meet your new current accountAvailable balance
Deliveroo limit reachedFurther card payments declined until 1 October.
Planned features · Illustrative amounts
Your money.
Your limits.
One everyday account.
How your limits work - 01
Make Perim your main account.
Bring your salary, bills and everyday spending together. Your debit card, transfers and savings live in the same app.
- 02
Choose your monthly budgets.
Set limits for the places you overspend: takeaways, clothes, online shopping. You choose the amounts.
- 03
Over your limit? Payment declined.
Perim declines card payments that would take you over a limit. Your limit resets at the start of the next month.
No raising it
at 11:47pm.
You can lower a limit. Raising it or switching it off waits until next month.
Read the monthly rules“I’ll just move
the money.”
Give it 24 hours.
How cooling-off works - 01
Transfers to yourself have to wait.
Moving money to your other bank takes 24 hours. You can cancel the transfer while it waits, but you cannot rush it.
- 02
Deleting the app changes nothing.
Your spending limits live on the account. Deleting or reinstalling Perim does not remove them.
- 03
Cash has a limit too.
Set a monthly cash-withdrawal limit, so an ATM cannot become the easy way around your budget.
- 04
Your bills still get paid.
The 24-hour rule applies to transfers to your own accounts elsewhere. Bills and payments to other people do not have that cooling-off period.
Before you join.
Is Perim a full current account?
That is what we are building: a current account for your salary, bills, savings and everyday spending, with a debit card and spending limits built in. It is designed to become your main account. The provider, available features and terms will be confirmed before launch.
What happens when I reach a limit?
A Perim card payment that would take you over a monthly merchant or category limit is declined. The money stays in your account. That part of your spending becomes available again when the month resets. This is the card experience we are building.
Can I change my limit?
You choose your limits before committing. You can lower a committed limit during the month. Raising it or switching it off waits until next month, so a late-night impulse cannot undo the decision.
What if I transfer the money to my other bank?
The planned account adds a 24-hour cooling-off period to transfers to your own accounts elsewhere. You can cancel a waiting transfer, but you cannot speed it up. Bills and payments to other people are outside this specific cooling-off rule. Normal payment and security checks still apply.
What about bills and essentials?
You choose the merchants or categories to limit. A limit on takeaways would not freeze your whole account. We will explain supported payments, essential-spending options and exceptions before you open an account.
Does it work with another bank’s card?
Payment declines apply to the Perim card. Perim cannot decline a purchase made with another bank’s card, cash or a separate account. We are also testing optional iPhone app and website blocking.
When can I get Perim?
The account and card are in development for the UK and EU. Join the waitlist for early access updates. Availability, providers, eligibility and final terms will be confirmed before launch; joining does not open an account.
They make spending easy.
We make saving easier.
Banking for people who find it hard to stop spending. Get early access updates.