Moneytree

Moneytree

Personal finance app with data platform

Overview

Moneytree offers a mobile app that consolidates users' financial data in one place, letting individuals manage bank accounts, credit cards, digital money, and loyalty points. It also provides a platform for businesses to access customer-permitted financial data to understand customers and tailor services. The app automatically aggregates transactions and balances from connected accounts, with premium features available via subscription. Moneytree earns revenue from consumer subscriptions and business access fees, focusing on Japan with plans to expand globally, and aims to help people see their financial health clearly while enabling partners to deliver more personalized financial services.

About Moneytree

Simplify's Rating
Why Moneytree is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Consumer Software

Enterprise Software

Fintech

Company Size

51-200

Company Stage

Series C

Total Funding

$76.6M

Headquarters

Tokyo, Japan

Founded

2017

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Simplify's Take

What believers are saying

  • Moneytree Business launched a free plan on February 27, 2026, lowering SMB adoption friction.
  • Higo Bank adopted Moneytree LINK on March 10, 2026, validating enterprise demand.
  • Falinwa Japan partnered on July 27, 2026, extending Moneytree into Odoo ERP workflows.

What critics are saying

  • Moneytree's independence ended August 29, 2025; MUFG can absorb product priorities quickly.
  • Headcount fell from 552 in 2023 to 515 in 2025, signaling operating pressure.
  • CFPB's 2016 enforcement history still taints the Moneytree brand with regulator scrutiny.

What makes Moneytree unique

  • MUFG Bank acquired Moneytree on August 29, 2025, embedding it in a mega-bank.
  • Moneytree LINK covers 2,500-plus Japanese financial accounts and payments, creating hard integration depth.
  • Moneytree launched AI transaction anomaly detection on May 1, 2026, sharpening consumer security.

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Funding

Total Funding

$76.6M

Below

Industry Average

Funded Over

4 Rounds

Series C funding is usually for startups that are doing well and are looking for more money to fuel major growth, such as acquiring other companies, expanding into global markets, or launching new product lines. Investors typically include larger venture capital firms and private equity.
Series C Funding Comparison
Below Average

Industry standards

$50M
$40M
Figma
$50M
Medium
$62M
SeatGeek
$100M
Oura

Benefits

Flexible Work Hours

Remote Work Options

Health Insurance

Phone/Internet Stipend

Employee Referral Bonus

Training Programs

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

-1%

2 year growth

-2%
MarketScreener
May 28th, 2025
Mitsubishi UFJ to Acquire Moneytree Stake

Mitsubishi UFJ Financial Group, Inc. has signed a memorandum of understanding to acquire an unspecified minority stake in Moneytree KK, as announced on May 27, 2025.

iTWire
Aug 15th, 2022
iTWire - Moneytree raises $45 million in funding round

Mobile banking and financial services app Moneytree has closed a Series C funding round with an issuance of new shares through third-party allotment including funds of Fidelity International, to bring...

Tech in Asia
May 12th, 2022
Crypto Payments Firm Becomes First Sg-Based Visa Accelerator Participant

India-based Perfios, TallyKhata from Bangladesh, Japanese platform Moneytree, and New Zealand's Cymonz were also selected for the program.

Music Business Worldwide
Dec 21st, 2020
Suzuki leaves Moneytree KK as Chief Financial Officer and Director

Suzuki joined UMJ earlier this month from personal financial management service Moneytree, where he had served as Chief Financial Officer and Director, since 2016, leading their finance, business development and fundraising operations within Japan.

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