- Active connectors
- 39
- Retail coverage
- 99%
- Regulator
- FCA
- Currency
- GBP
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.
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
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.
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.
Tax wrappers we surface
Stocks & Shares ISA, SIPP, GIA
Held positions are read directly from FCA-regulated UK brokers; cash inside an ISA is shown alongside cash in your current account so you see your real net worth.
Brokers covered for UK investors
- Hargreaves Lansdown
- AJ Bell YouInvest
- IG Markets
- Trade Republic
- Saxo Bank
- eToro
Brokers, wealth wrappers and exchanges connectable today
Curated subset of the wealth-capable institutions Bank AI connects in this market. Tap a card to see what positions, wrappers and tax data Bank AI surfaces for that provider.
Brokers and trading platforms(7)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
Hargreaves Lansdown
FCA-regulated UK investment platform offering ISAs, SIPPs and general investment accounts; one of the largest by AUM in the UK.
AJ Bell YouInvest
FCA-regulated UK investment platform with strong ISA, SIPP and Junior ISA coverage.
IG Markets
FCA-regulated UK broker offering shares, ETFs, CFDs and spread betting; FTSE 250-listed parent IG Group.
Banks with a wealth or brokerage arm(8)
Barclays Wealth
Wealth-management arm of Barclays; FCA-regulated, services brokerage, ISAs and discretionary portfolios.
Coutts Private
Private bank within the NatWest Group; FCA-regulated, focused on high-net-worth and institutional clients.
HSBC UK
UK retail and wealth arm of HSBC, regulated by the PRA and the FCA; investments include ISAs and a Global Investment Centre.
Lloyds Bank
Lloyds Banking Group's UK retail brand; investment services and Share Dealing alongside ISAs and SIPPs.
Bank of Scotland
Scottish brand within Lloyds Banking Group; offers Share Dealing, ISA and SIPP wrappers.
NatWest Personal
Retail arm of the NatWest Group; UK Investments include Stocks & Shares ISA and self-directed brokerage.
Halifax
Lloyds Banking Group brand offering Share Dealing, ISA and SIPP wrappers to UK retail customers.
Virgin Money
UK challenger bank (now part of Nationwide) offering investment ISAs alongside current accounts and savings.
Crypto exchanges and wallets(5)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Investing in the UK - frequently asked questions
Can Bank AI track my Stocks & Shares ISA and SIPP?
Yes. Bank AI reads positions, prices and cash balances from FCA-regulated UK brokers that expose investment data via the open-banking framework. Your ISA, SIPP and GIA show up as separate wrapper-aware accounts so the picture matches your actual tax position.
Which UK brokers does Bank AI connect to today?
Hargreaves Lansdown, AJ Bell YouInvest, IG Markets and pan-European brokers serving UK clients (Trade Republic, Saxo Bank, eToro). Coverage of Interactive Investor, Vanguard UK, Trading 212 and Freetrade depends on whether the broker exposes positions via PSD2 - we add them as soon as they do.
Does Bank AI calculate UK Capital Gains Tax automatically?
No - Bank AI is a money app, not a tax tool. We surface the underlying disposals and dividends so you have an audit-ready record, but UK CGT (with same-day, 30-day and section-104 pool rules) is best handled in dedicated tax software. Sharesight and others remain stronger for that specific use case.
Can I see my UK cash, investments and crypto in one place?
Yes - that is the core proposition. Your Lloyds, NatWest or Monzo current account, your Hargreaves Lansdown ISA, your Trade Republic Depot and your Coinbase or Kraken wallet all live in the same view, with multi-currency totals computed live.
Is Bank AI regulated in the UK?
Bank AI is not a bank and does not hold deposits. Account-information access is delivered through licensed Account Information Service Providers (AISPs) operating under the UK's open-banking framework, supervised by the FCA. Strong Customer Authentication is enforced every 90 days as the rules require.
| 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 |
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.
🇬🇧 United Kingdom
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