--- title: What Are Penny's Limitations? description: Penny limitations --- [Skip to content](https://help.yeeld.com/understanding-pennys-limitations#main-content) ![Logo - Colour Grey Text V1 (1)](https://help.yeeld.com/hs-fs/hubfs/Logo%20-%20Colour%20Grey%20Text%20V1%20(1).png?width=200&height=59&name=Logo%20-%20Colour%20Grey%20Text%20V1%20(1).png) - [Privacy Policy](https://yeeld.com/privacy-notice) - [T&Cs](https://yeeld.com/terms-and-conditions) - [Glossary of Terms](https://yeeld.com/glossary-of-terms) Open main navigation Close main navigation - [Privacy Policy](https://yeeld.com/privacy-notice) - [T&Cs](https://yeeld.com/terms-and-conditions) - [Glossary of Terms](https://yeeld.com/glossary-of-terms) Find what you’re looking for. - There are no suggestions because the search field is empty. 1. [Yeeld Support Centre](https://help.yeeld.com/?hsLang=en-gb) 2. [Penny (AI Assistant)](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb) 3. [Limitations and Premium Features](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#limitations-and-premium-features) # What Are Penny's Limitations? ## Learn what Penny can and can't do, so you know when to rely on AI and when a different approach may be needed. Penny is designed to help you better understand and manage your finances, but like any AI assistant, she has limitations. While she's constantly learning and improving, there are certain things Penny cannot do, and some situations where her responses may not always be perfect. Understanding these limitations helps you get the most out of your conversations with Penny. --- Penny Does Not Provide Financial Advice Penny is designed to educate, explain and help you understand your finances. She can: - Explain financial concepts. - Help you understand your spending. - Compare financial products. - Provide insights and information. However, Penny does **not** provide personalised financial advice or tell you what you should invest in or which financial decisions you should make. Any information Penny provides should be considered educational and informational rather than financial advice. --- Penny Cannot Control Third-Party Accounts If you've connected external accounts through Open Banking, Penny can view and analyse the information available from those accounts. However, she **cannot**: - Move money from third-party accounts. - Make payments from external accounts. - Change settings on third-party accounts. - Carry out actions with other banks or financial providers. These connections are view-only and are used to provide insights into your finances. --- Penny Can't Operate Every Part of Yeeld Penny can complete many actions within Yeeld, particularly for **Yeeld Companion** users. However, not every feature within the app can currently be controlled through Penny. Some tasks will still require you to navigate to the relevant screen and complete them yourself. We're continually expanding what Penny can do over time. --- Penny May Occasionally Misunderstand You Although Penny understands natural language, she won't always interpret every question perfectly. This can happen if: - A question is ambiguous. - There isn't enough information. - Multiple meanings are possible. - The request is particularly unusual or complex. If Penny misunderstands your request, simply rephrase it or provide a little more detail. --- Financial Data Isn't Always Perfect Penny works with large amounts of financial information gathered from different sources. Financial data can sometimes be: - Uncategorised. - Incorrectly categorised. - Missing information. - Delayed. - Inconsistent between providers. When this happens, Penny will always do her best to interpret the available information, but some insights may not be completely accurate until the underlying data is corrected or updated. --- Penny Is Always Improving Penny continues to evolve as new features are introduced and her capabilities expand. Over time, she'll become better at understanding questions, performing actions and helping you manage your finances. --- In Summary Penny's current limitations include: - She does not provide financial advice. - She cannot control third-party accounts connected through Open Banking. - She cannot currently operate every feature within the Yeeld app. - She may occasionally misunderstand complex or unclear questions. - Some financial insights depend on the quality and organisation of the underlying financial data. Penny is designed to make managing your finances simpler, and while she isn't perfect, she's continually improving to provide an even better experience. - [Getting started](https://help.yeeld.com/getting-started?hsLang=en-gb#main-content) - [Opening an Account](https://help.yeeld.com/getting-started?hsLang=en-gb#opening-an-account) - [Navigating the App](https://help.yeeld.com/getting-started?hsLang=en-gb#navigating-the-app) - [Setting Up Your Profile](https://help.yeeld.com/getting-started?hsLang=en-gb#setting-up-your-profile) - [Account Management](https://help.yeeld.com/account-management?hsLang=en-gb#main-content) - [Managing Your Yeeld Account](https://help.yeeld.com/account-management?hsLang=en-gb#managing-your-yeeld-account) - [Currency Wallets](https://help.yeeld.com/account-management?hsLang=en-gb#currency-wallets) - [Account Closure](https://help.yeeld.com/account-management?hsLang=en-gb#account-closure) - [Sending and receiving payments](https://help.yeeld.com/account-management?hsLang=en-gb#sending-and-receiving-payments) - [Confirmation of Payee (CoP)](https://help.yeeld.com/account-management?hsLang=en-gb#confirmation-of-payee-cop) - [Open Banking](https://help.yeeld.com/account-management?hsLang=en-gb#open-banking) - [Payments and Transfers](https://help.yeeld.com/payments-and-transfers?hsLang=en-gb#main-content) - [Making Payments](https://help.yeeld.com/payments-and-transfers?hsLang=en-gb#making-payments) - [Transfers](https://help.yeeld.com/payments-and-transfers?hsLang=en-gb#transfers) - [Payment Issues and Troubleshooting](https://help.yeeld.com/payments-and-transfers?hsLang=en-gb#payment-issues-and-troubleshooting) - [Yeeld Card Services](https://help.yeeld.com/yeeld-card-services?hsLang=en-gb#main-content) - [Card Issues and Troubleshooting](https://help.yeeld.com/yeeld-card-services?hsLang=en-gb#card-issues-and-troubleshooting) - [Yeeld Visa](https://help.yeeld.com/yeeld-card-services?hsLang=en-gb#yeeld-visa) - [Virtual Debit Card](https://help.yeeld.com/yeeld-card-services?hsLang=en-gb#virtual-debit-card) - 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[Products](https://help.yeeld.com/investing-portfolio?hsLang=en-gb#products) - [Risk Profiles](https://help.yeeld.com/investing-portfolio?hsLang=en-gb#risk-profiles) - [Tax-Efficient Accounts](https://help.yeeld.com/investing-portfolio?hsLang=en-gb#tax-efficient-accounts) - [Rewards](https://help.yeeld.com/rewards?hsLang=en-gb#main-content) - [Rewards Programme](https://help.yeeld.com/rewards?hsLang=en-gb#rewards-programme) - [Tracking and Redeeming Rewards](https://help.yeeld.com/rewards?hsLang=en-gb#tracking-and-redeeming-rewards) - [Partnered Retailers](https://help.yeeld.com/rewards?hsLang=en-gb#partnered-retailers) - [Customer Support and Feedback](https://help.yeeld.com/customer-support-and-feedback?hsLang=en-gb#main-content) - [Customer Support Channels](https://help.yeeld.com/customer-support-and-feedback?hsLang=en-gb#customer-support-channels) - [Support Hours and Availability](https://help.yeeld.com/customer-support-and-feedback?hsLang=en-gb#support-hours-and-availability) - [Escalation Process](https://help.yeeld.com/customer-support-and-feedback?hsLang=en-gb#escalation-process) - [Feedback and Suggestions](https://help.yeeld.com/customer-support-and-feedback?hsLang=en-gb#feedback-and-suggestions) - [Penny (AI Assistant)](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#main-content) - [Introduction to 'Penny'](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#introduction-to-penny) - [Core Features of Penny](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#core-features-of-penny) - [Engaging with Penny](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#engaging-with-penny) - [Visual Aids and Insights](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#visual-aids-and-insights) - [Performing Actions with Penny](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#performing-actions-with-penny) - [Summary Reports with Penny](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#summary-reports-with-penny) - [Support and Escalation](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#support-and-escalation) - [Limitations and Premium Features](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#limitations-and-premium-features) - [Compliance and Sensitivity](https://help.yeeld.com/penny-ai-assistant?hsLang=en-gb#compliance-and-sensitivity) - [Complaints](https://help.yeeld.com/complaints?hsLang=en-gb)