Coutts — London-headquartered private bank founded in 1692, part of the NatWest Group, regulated by the FCA and the PRA, serving high-net-worth and family-office clients.
- HQ
- London
- Customers
- Private bank since 1692
- Connection
- Open Banking (read-only)
Current accounts and salary inflows
Your Coutts current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by Coutts are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your Coutts account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Harrods
- Selfridges
- Waitrose
- Fortnum & Mason
- British Airways
- Eurostar
- John Lewis
- TfL
Detected subscriptions
- Times Digital
- Financial Times
- Netflix
- Spotify
- Sky UK
- What's my total Coutts wealth across cash, ISA and discretionary holdings today?
- How exposed am I to UK gilts across Coutts and my other brokers?
- List every Coutts standing order and direct debit hitting next month.
- Compare Coutts cash balance against the threshold I keep at NatWest.
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🇬🇧 United Kingdom
The UK runs the most-mature Open Banking regime in the world, mandated by the CMA in 2017 and implemented by the Open Banking Implementation Entity. CMA-9 banks are required to offer free access to account data via standardised APIs.
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Does Bank AI move money on my Coutts account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Coutts. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Coutts app.
How does Bank AI connect to Coutts?
Coutts exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Does Bank AI surface my Coutts brokerage and ISA?
Yes. Where Coutts exposes Stocks & Shares ISA, SIPP and General Investment Account positions over PSD2, Bank AI reads them alongside the current account so wealth and cash sit in the same daily view.
Can Bank AI read my Coutts discretionary mandate?
If your Coutts portfolio is held through a discretionary mandate visible to PSD2 (e.g. via the Coutts mobile/online platform), Bank AI surfaces position-level holdings read-only. Off-platform private mandates that don't expose positions over open banking won't appear; Coutts itself remains the source of truth.
Does Bank AI replace the Coutts adviser relationship?
No. Coutts continues to be your adviser, custodian and execution venue. Bank AI is the read-only consolidation layer that pulls together Coutts and any other bank or broker you hold, with an AI assistant for plain-English questions.
What happens if Coutts raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Coutts-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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