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The Big Banking Chat: find your financial tribe

We all share some common traits when it comes to managing our money— we summarize the most common approaches.

3 min read

When it comes to money, we’re not as unique as we think. While we all have individual goals, frustrations and habits, the reality is that when it comes down to how we spend, plan and save, we all share similar traits.

As part of The Big Banking Chat, we’ve been hard at work identifying the most common financial tribes—a group who share specific financial habits, goals and pain points. And we’ve used that information to help provide tips and tricks on how to make the most of each of these individual mindsets.

So who are these tribes? And what are their defining characteristics? Let’s meet the seven individuals that represent them.

Meet the tribes

Spontaneous Sara

Sara lives life to the fullest—if something sounds fun, then she just goes for it and worries about the costly consequences later. However, this does mean that she sometimes spends her downtime worrying about her money, and could do with a helping hand when it comes to budgeting and putting money aside for the future. But that’s ok—

Responsible Rosa

Rosa takes managing her monthly budget very seriously, but wishes she had support from her bank to apply the same level of rigor to her future planning. She wants to save for a rainy day, but hates being made to feel stupid whenever she has to ask for help with her finances. If, like Rosa, you’re looking for some help in saving,

Logical Lucas

Lucas is ready to move on with his life—he’s got a goal in mind and a broad plan of how to get there. All he needs now is a simple way to manage his money so he can be sure he’s always on track. But he finds most banking solutions too complicated—all he really wants is an app which is fit for purpose. Ringing any bells? Then check out how Lucas’ can get the help he needs

Day-dreaming David

Money helps David realize his passions—whether it’s his current yoga obsession, or his desire to save the rainforests. But those passions change frequently and he needs his finances to shift as easily as his interests. He wants a bank which will help him keep on top of his money, without it demanding all of his time and energy. If you’re like David and need a helping hand,

Mindful Marco

Marco knows exactly what he wants to achieve, and has the financial plan to get there. But he knows he doesn’t know everything, so he’s constantly looking for ways to learn more. He needs a bank which will help him learn more about money, while also providing 24/7 access to all his financial information in one place. If you’re nodding to this in agreement,

Culture-guru Clara

Money lets Clara live life on her terms—moving from place to place, and making the most of what the world has to offer. But she’s frustrated at how often she gets stung by unexpected fees and charges, and wishes she had a bank who could help her avoid them. Share her frustrations? Then

Cash-conscious Caroline

Caroline wants to give her kids a good future without spending all day trying to decipher confusing terminology, or risking all her hard-earned savings. She wants a bank which just gets it, and delivers the service she needs to the standard she deserves. If this sounds like you,

Still not sure which tribe you sit in?

Try out our to get the answer

By N26

The Mobile Bank

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