- Connection
- PSD2 open banking
- FR coverage
- BNP, Société Générale, Crédit Agricole, Boursorama, Revolut
- Refresh
- Daily, automatic
Switch to Bank AI when
You hold a PEA at Boursorama or Bourse Direct, an assurance-vie at Linxea or Yomoni, a compte-titres at Saxo or Trade Republic, and crypto on a pan-EU exchange. Bank AI brings all of them into one daily-refreshed net-worth view, with the right wrapper framing and an AI assistant on top.
Stay with Bankin' when
You mainly want budgeting, category breakdowns and a tidy view of your French current accounts. Bankin' is excellent at that lane and Bank AI does not replicate the budgeting depth.
| Feature | Bank AI | Bankin' |
|---|---|---|
| Connection method | PSD2-licensed open banking via Powens. Read-only. | PSD2 open banking via Linxo Connect (group platform). |
| Investment accounts (PEA, AV, CTO) | First-class. Surfaces PEA, assurance-vie, PER, compte-titres correctly with the right tax-wrapper framing. | Investment account aggregation supported; primary anchor is current-account budgeting. |
| Brokers | Connects to Boursorama, Bourse Direct, Saxo, Trade Republic, Trading 212, Fortuneo, Fineco and more. | Some brokerage support; not the focus. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included. | Not in scope. |
| AI assistant | Built in. Plain-English / French answers about portfolio, exposure, FX, fees, dividends. | Insights are rule-based; chat-led AI is not the anchor. |
| Budgeting / category breakdowns | Subscription detection in product; deep budgeting is not the anchor. | Class-leading. Budgeting is Bankin's strongest lane. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | France focus, with some pan-EU coverage via Linxo Connect. |
| Custody | Read-only AISP. Never holds cash, securities or crypto. | Read-only AISP. Never holds assets. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free tier; Bankin' Premium around EUR 5.99 / month (per public pricing). |
PEA, assurance-vie and PER as first-class citizens
Bank AI surfaces French tax wrappers correctly - not as 'investment account #3' but as PEA, assurance-vie and PER, with the right framing.
Crypto in the same view
Crypto exchanges sit alongside brokers and banks. One net worth, not three apps.
AI you can ask portfolio questions
'Combien ai-je payé en frais de fonds', 'où suis-je surexposé en tech US', 'quand tombe mon prochain coupon'. Bankin's AI is budget-led; ours is portfolio-led.
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Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a Bankin' clone?
No. Bankin' is a French PFM with strong budgeting and category-breakdown features. Bank AI is a pan-EU + UK net-worth app with PEA, assurance-vie, PER, broker and crypto-exchange aggregation, plus an AI assistant. We share PSD2 open banking; we diverge on scope and editorial.
Does Bank AI work with French banks?
Yes. Coverage includes BNP Paribas, Société Générale, Crédit Agricole (and regional banks), Boursorama, Banque Populaire, Caisse d'Epargne, BRED, La Banque Postale, Crédit Mutuel, CIC, ING France, Hello Bank, Fortuneo, Revolut, N26, plus the pan-EU brokers (Saxo, Trade Republic, Trading 212).
Does Bank AI handle PEA and assurance-vie correctly?
Yes. Bank AI distinguishes PEA from compte-titres for tax framing, and surfaces assurance-vie wrappers (Linxea Spirit, Yomoni, Boursorama Vie, etc.) as first-class wealth wrappers - not generic 'investment accounts'.
Is Bank AI in French?
We have a French-locale Home page (/fr) and the AI accepts French prompts. Some long-form pages are English-first today; we are expanding French coverage.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Bankin' Premium is around EUR 5.99 per month per its public pricing.
Is Bank AI read-only?
Today, yes - for aggregation. Bank AI uses PSD2-licensed AISP connectivity to read your accounts and build a net-worth view; it does not move money or place trades on its own. Coming soon, Bank AI adds a deposit and auto-invest layer: it works out what you can genuinely spare and proposes an invest-or-save move, then executes it only when you approve it one tap at a time - execution-only, never discretionary, through a licensed regulated brokerage partner. Your capital is at risk when invested.
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