- You decide
- Every move
- Execution
- On approval
- Live today
- The picture
- Coming soon
- The move
Investing involves risk. Your capital is at risk and the value of investments can go down as well as up. Bank AI is execution-only: you approve every move, and any investing is carried out through a licensed, regulated brokerage partner.
- Live today
It sees all your money
Bank AI connects your banks, brokers, pensions and wallets read-only through licensed open-banking partners. No CSVs, no manual entry. This is live today.
- Live today
It learns how you actually spend
Bank AI categorises every transaction, spots your real commitments and subscriptions, and learns the rhythm of your month - rent, bills, the irregular stuff. Live today.
- Live today
It works out what you can safely spare
From your real income and spending, Bank AI estimates what you can genuinely set aside this month without leaving yourself short. Not a round-up gimmick - a number based on how you actually live. Live today.
- Live today
It proposes a move
Bank AI suggests investing or saving a specific amount, in diversified funds or ETFs, in your currency. You see exactly what it proposes and why before anything happens. The proposal is live today; the next step is coming soon.
- Coming soon
You approve it - one tap
Nothing moves until you say so. You review the proposed move and approve it, or you don't. Bank AI never invests on its own initiative. Coming soon.
- Coming soon
Bank AI carries it out for you
On your approval, the move is executed through a licensed, regulated brokerage partner. Funding runs through licensed payment partners. Execution-only - Bank AI does not manage a discretionary portfolio. Coming soon.
Execution-only, never discretionary
Bank AI does not run a discretionary portfolio and does not pick winners on your behalf. It proposes a move; you approve or decline it. Every single time.
Through a licensed, regulated partner
Any investing is carried out through a licensed, regulated brokerage partner, and funding runs through licensed payment partners. Bank AI is not a broker and does not custody your assets.
Honest about risk
Investing involves risk. Your capital is at risk and the value of investments can fall as well as rise. Bank AI does not promise returns and never guarantees an outcome.
Auto-invest is coming soon
Today, Bank AI sees all your money and tells you the move. Soon, on your one-tap approval, it will make the move for you. The aggregation, the AI insights and the 'what you can safely spare' number are live now - the deposit and auto-invest layer is rolling out next.
Get the app to use everything that is live today, and join the in-app early-access list to be first when auto-invest opens. Your capital is at risk; investing involves risk.
| Capability | Live today | Coming soon |
|---|---|---|
| Sees every bank, broker, pension and wallet | Yes | Yes |
| Learns how you actually spend | Yes | Yes |
| Works out what you can safely spare | Yes | Yes |
| Proposes an invest-or-save move | Yes | Yes |
| Executes the move on your approval | Not yet | Yes |
| Funds the move via licensed payment partners | Not yet | Yes |
| Invests via a licensed regulated brokerage partner | Not yet | Yes |
| Discretionary management (decides without you) | Never | Never |
How much can I genuinely spare to invest this month?
If I invest that, am I still covered for rent and bills?
What would I be putting my money into, and how diversified is it?
How much did my subscriptions cost me last month?
Show me a safe monthly amount based on how I actually spend.
What happens to this if I have a tight month?
Already invest elsewhere? See it all in one place.
Auto-invest is about putting your spare money to work. If you just want to track the investments you already hold across every broker, pension and wallet, that is the Investing pillar - live today, read-only, no money movement.
Is there an app that invests my spare money for me?
That is exactly what Bank AI is building. Bank AI already sees all your accounts and how you actually spend, so it can work out what you can genuinely spare and propose an invest-or-save move. Carrying the move out for you - on your one-tap approval, through a licensed regulated brokerage partner - is coming soon. Bank AI is execution-only: you approve every move, and your capital is at risk.
Does Bank AI invest automatically without me?
No. Bank AI is execution-only, never discretionary. It proposes a move and, coming soon, can carry it out - but only after you approve it, every single time. It never decides to move your money on its own and does not run a discretionary portfolio.
How does Bank AI know how much I can afford to invest?
Bank AI connects your accounts read-only through licensed open-banking partners and learns the real rhythm of your money - income, rent, bills, subscriptions, the irregular spending. From that it estimates what you can genuinely set aside this month without leaving yourself short. This calculation is live in the app today.
Is this round-ups or spare-change investing?
No. Bank AI does not round up your card purchases. The model is simpler and more honest: invest what you can genuinely spare each month, based on how you actually live, not loose change skimmed off transactions.
What can Bank AI do today, and what is coming soon?
Live today: connecting every account, learning how you spend, working out what you can safely spare, and proposing a specific invest-or-save move. Coming soon: approving that move with one tap and having Bank AI carry it out for you, with funding through licensed payment partners and investing through a licensed regulated brokerage partner.
Who actually invests the money?
Any investing is carried out through a licensed, regulated brokerage partner, and funding runs through licensed payment partners. Bank AI is not itself a bank or a broker and does not custody your assets. Bank AI's role is to see your money, propose the move and, on your approval, route it to the regulated partner.
What would I be invested in?
The auto-invest layer is designed around diversified funds and ETFs, available fractionally and in your currency, so a small monthly amount can still be spread broadly. Bank AI does not promise returns. Investing involves risk and the value of investments can go down as well as up.
Can I lose money?
Yes. Investing involves risk, your capital is at risk, and the value of investments can fall as well as rise - you may get back less than you put in. Bank AI never guarantees an outcome and does not give personal investment advice. The 'what you can safely spare' number is designed to help you invest amounts you are comfortable putting at risk.
How do I get on the early-access list for auto-invest?
Get the Bank AI app on the App Store to use everything that is live today - the full money picture, the AI insights and the 'what you can safely spare' calculation - and join the in-app early-access list to be among the first when auto-invest opens. Android is coming soon; you can join the Android waitlist meanwhile.
How is this different from the Bank AI investing tracker?
The Investing pillar is about seeing the investments you already hold - every broker, pension and wallet in one read-only view, live today. Auto-invest is about putting your spare money to work: Bank AI proposes a move and, coming soon, carries it out on your approval through a licensed regulated brokerage partner. One shows you what you have; the other helps you add to it.
Is Bank AI available now?
The Bank AI app is live and available now on the App Store for iPhone, across the UK and EU, with account aggregation, AI insights and the spare-money calculation. The auto-invest execution layer is coming soon. Android is coming soon - you can join the Android waitlist at getbankai.com.