United Kingdom banking app - connect 39+ banks in one place
The UK is Bank AI's most regulated launch market and the home of Open Banking. The CMA-9 banks are required to expose your accounts via standardised APIs, the FCA supervises every aggregator that touches them, and the result is that British users get the cleanest end-to-end experience on day one.
- Active connectors
- 39
- Retail coverage
- 99%
- Regulator
- FCA
- Currency
- GBP
Why Bank AI
Three things you should know:
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.
Open Banking covers personal current accounts, business current accounts, savings accounts, and an expanding set of credit-card and investment products.
Bank AI works under FCA supervision through licensed AISP partners with the same regulatory permissions used by Plaid, TrueLayer and Yapily.
Banks we support
HSBC UK
Major retail and corporateLargest UK retail bank by deposits, with a global parent.
Barclays
Major retail and corporateOne of the original CMA-9 banks; deep retail and investment-banking presence.
Lloyds Bank
Major retailPart of Lloyds Banking Group, the UK's largest current-account franchise.
NatWest
Major retailPersonal and business banking arm of NatWest Group.
Santander UK
Major retailUK arm of Banco Santander, with deep mortgage and current-account share.
Halifax
Retail bankRetail brand within Lloyds Banking Group, popular for mortgages.
Nationwide Building Society
Building societyLargest building society in the world, mutually owned by members.
Monzo
NeobankLondon-headquartered neobank with a UK banking licence and millions of customers.
Starling Bank
NeobankIndependent UK neobank with a strong personal and SME current-account proposition.
Revolut UK
NeobankLondon-born fintech, now operating under a UK banking licence.
First Direct
Direct bankOnline and telephone bank within HSBC UK, known for customer service.
Chase UK
Direct bankJPMorgan's UK retail bank, launched in 2021.
International banks available here
Wise
International accountMulti-currency account; in the UK Wise operates as Wise Payments Ltd under its FCA e-money licence.
Networks and groups
- CMA-9(9+)The nine largest UK current-account providers, mandated by the CMA Open Banking Order: HSBC, Barclays, Lloyds, NatWest (RBS), Santander UK, Nationwide, Bank of Ireland UK, Allied Irish Banks UK, and Danske Bank Northern Ireland.
- Building societies(40+)Member-owned mutual financial institutions, e.g. Yorkshire, Coventry, Skipton.
Don't see your bank?
Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.
How Bank AI works
Bank AI uses the UK Open Banking standard via licensed AISP partners. Connections are read-only by default and require Strong Customer Authentication every 90 days, exactly as the FCA mandates. Your bank credentials never reach Bank AI.
1. Connect your accounts
Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.
2. See the whole picture
Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.
3. Let the AI do the heavy lifting
Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.
Regulation and trust
The Financial Conduct Authority (FCA) supervises Account Information Service Providers in the UK. The Information Commissioner's Office (ICO) supervises data protection under the UK GDPR. Bank AI integrates with partners that hold these permissions; we never bypass them.
Financial Conduct Authority (FCA)Open Banking (CMA-9 + Open Banking Implementation Entity standard)
How Bank AI compares
Most British users today juggle the Monzo or Starling app, the legacy bank app for their salary account, plus a budgeting app like Snoop or Emma.
| Bank AI | Snoop, Emma, Money Dashboard, native bank apps | |
|---|---|---|
| Multi-bank, multi-country view | Yes | Partial |
| AI assistant grounded in your real data | Yes | No |
| EU data residency, GDPR by default | Yes | Partial |
| Crypto-ready (in build) | Partial | No |
Frequently asked questions
Which UK banks does Bank AI connect to?
Bank AI connects to all CMA-9 banks (HSBC, Barclays, Lloyds, NatWest, Santander UK, Nationwide, Bank of Ireland UK, Allied Irish Banks UK and Danske Bank NI), plus the leading neobanks (Monzo, Starling, Revolut, Chase UK) and dozens of building societies. Coverage is essentially the entire UK retail market.
Is Bank AI authorised by the FCA?
Bank AI is a money-management app, not a bank. Account data access happens via licensed AISP partners that hold the FCA permission for Account Information Services. Their regulatory perimeter is the same one that Plaid, TrueLayer and Yapily operate within.
Does Bank AI affect my FSCS protection?
No. Your bank's FSCS protection is unchanged. Bank AI never holds your money - your funds remain with your existing FCA-authorised banks and building societies.
Can Bank AI move money for me?
By default Bank AI is read-only. Payment initiation (PISP) is on the roadmap and, when launched, will only execute payments that you explicitly authorise within the app via Strong Customer Authentication.
How does Bank AI handle my data under UK GDPR?
Bank AI processes your data in EU regions and aligns with both UK GDPR and the Data Protection Act 2018. Your right to access, rectify and delete your data applies as expected. Bank AI never sells personal data and only runs AI features on data you have explicitly authorised.
Can I connect my ISA, SIPP or share-dealing account?
Connections to investment, ISA and SIPP providers depend on whether each provider exposes their data via Open Banking or a partner aggregation API. Major investment platforms (Hargreaves Lansdown, AJ Bell, Vanguard) are on the roadmap.
How does Bank AI compare with Snoop, Emma or the Money Dashboard?
Snoop and Emma are budgeting layers on top of bank feeds. Money Dashboard exited consumer Open Banking in 2023. Bank AI is purpose-built around an AI assistant that understands your full picture - banks, brokers, pensions and crypto - and acts on it, rather than just visualising it.
Also available in
Ready for one clear picture?
🇬🇧 United Kingdom
Get the app