Aggregation first
An AI assistant is only as useful as the context it has. Bank AI starts with every bank, broker and crypto wallet you actually use across the UK and the EU - and treats anything less as an incomplete picture.
Our mission
The average European household banks at three institutions, holds investments at a fourth, and increasingly keeps crypto at a fifth. Five apps, five logins, five different formats, sometimes five different languages - and no single place that understands the whole.
Open banking solved the data problem in 2018. PSD2 forced every bank in the European Union and the United Kingdom to expose your accounts to licensed third parties, with your explicit consent. But the apps built on top of it mostly stayed shallow - pretty charts, manual category overrides, no real intelligence about the money actually flowing through them.
What finally makes this tractable is AI that can reason across the full picture - not isolated transactions, not last week's spending summary, but the connected, multi-step decisions that actually move money. Bank AI is built around that capability from day one: read-only, EU-resident, opt-in by design, and pointed at the work that nobody should still be doing by hand.
Six principles that hold across every product decision, every market, every release.
AI you control
Your data is yours. AI features only run on categories you have explicitly enabled, and your inputs are never used to train shared models without consent. The assistant works on the data you chose to share, and nothing beyond it.
Read-only by design
Bank AI never moves money on your behalf. Account access is read-only through licensed AISP partners under PSD2. Payment Initiation is on the roadmap and will run as a separate, explicitly authorised flow.
Built in Europe, for Europe
Personal and financial data is stored in EU regions by default. Bank AI complies with the GDPR, the UK GDPR and the EU AI Act, and operates through partners regulated by national competent authorities in every market it serves.
Honest math
Net worth, returns and savings projections are calculated honestly, updated when something changes, and shown net of fees. No 'as of last week', no manual reconciliation, no figures that quietly look better than they are.
Automation as the goal
An assistant that does the work, not one that asks you to. The end state is a money app that quietly handles routine decisions and only surfaces the ones that genuinely deserve your attention.
Bank AI launches across 11 markets simultaneously: the United Kingdom, Ireland, Germany, France, Italy, Spain, Belgium, Luxembourg, the Netherlands, Portugal and the Czech Republic. The product runs in 5 languages - English (including British English), German, French, Italian and Spanish - with first-language support for each, not machine translation.
Account-data access is delivered through licensed Account Information Service Providers operating under PSD2, supervised by the national competent authority in each market: the FCA in the United Kingdom, the Central Bank of Ireland in Ireland, BaFin in Germany, ACPR in France, Banca d'Italia in Italy, Banco de Espana in Spain, the NBB in Belgium, the CSSF in Luxembourg, DNB in the Netherlands, Banco de Portugal in Portugal, and CNB in the Czech Republic. Cross-border challengers like Revolut, N26 and Wise are surfaced wherever they operate under EU passporting.
Bank AI is operated by Stolen Orbit LLC, a limited liability company registered in the State of Delaware (USA). Registered address: 8 The Green, Suite B, Dover, DE 19901, United States. Stolen Orbit LLC is not itself a bank or a regulated financial institution; account-data services in the EU and the UK are delivered through licensed open-banking partners.
2025
Stolen Orbit founded
Stolen Orbit LLC is incorporated in Delaware (USA) as the parent company of Bank AI.
2026 Q1
Open-banking partner integration
Bank AI integrates with licensed Account Information Service providers under PSD2, with EU data residency from day one.
2026 Q2
Closed preview
Bank AI ran a closed preview to validate the AI-native money management experience across the UK and the EU.
2026 Q2
iOS launch
Bank AI launches on iOS across the UK, Ireland, Germany, France, Italy, Spain, Belgium, Luxembourg, Netherlands, Portugal and the Czech Republic. The Android version follows soon.
What is Bank AI?
Bank AI is an AI-native money management app for the UK and the EU. It connects every bank, broker and crypto wallet you use into one place, gives an AI the full context of your financial life, and progressively automates the management of your money.
What does AI-native mean at Bank AI?
AI-native means the assistant is built into the foundations, not bolted onto a finished app. Every screen, every category and every projection passes through an AI that knows your full financial picture across every connected account, and it only runs on data you have explicitly enabled. The end state is an app that quietly handles routine money decisions and only surfaces the ones that genuinely deserve your attention.
How is Bank AI different from a budgeting app or a neobank?
Budgeting apps connect to one or two accounts and show you charts. Neobanks give you a single new account and a card. Bank AI does neither - it connects to every bank, broker and crypto wallet you already use, then puts an AI that has the full context of your financial life on top. The goal is not another account; it is one place that finally understands every account you already have.
Will Bank AI automate my money decisions?
Progressively, yes. Aggregation and AI insights ship first. Automation - moving money to a savings goal, paying down a card, rebalancing a portfolio - will roll out under Payment Initiation as a separate, explicitly authorised flow once Bank AI's regulatory model supports it. You decide which routines to automate, and Bank AI never moves money without your explicit consent for each rule.
Who builds Bank AI?
Bank AI is built and operated by Stolen Orbit LLC, a Delaware-registered limited liability company headquartered at 8 The Green, Suite B, Dover, DE 19901, United States. Stolen Orbit LLC is not itself a bank or a regulated financial institution; account-data services in the EU and the UK are delivered through licensed open-banking partners.
Where is Bank AI available?
Bank AI launches across 11 markets: the United Kingdom, Ireland, Germany, France, Italy, Spain, Belgium, Luxembourg, the Netherlands, Portugal and the Czech Republic. Cross-border challengers like Revolut, N26 and Wise are surfaced wherever they operate under an EU passport.
Is Bank AI a bank?
No. Bank AI is not a bank. Account-data access is delivered via licensed Account Information Service Providers (AISPs) operating under PSD2 in the EU and the UK, supervised by the relevant national competent authorities (the FCA, BaFin, ACPR, Banca d'Italia, Banco de Espana, etc.).
How does Bank AI make money?
Bank AI is a paid consumer app. We do not sell personal data and we do not trade on user information. Detailed processing purposes and lawful bases are documented in the Privacy Policy.
When does Bank AI launch?
A closed preview ran in 2026 Q2 to validate the experience across the UK and the EU. Bank AI is now available on iOS across the 11 launch markets; the Android version follows soon.