Bank AI
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Vereinigtes Koenigreich

Bank-App fur Vereinigtes Koenigreich: 39+ Banken in einer App

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.

Aktive Bank-Anbindungen
39
Marktabdeckung
99%
Aufsichtsbehorde
FCA
Wahrung
GBP

Warum Bank AI

Drei Dinge, die du wissen solltest:

  • 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.

Unterstutzte Banken

  • HSBC UK

    Major retail and corporate

    Largest UK retail bank by deposits, with a global parent.

  • Barclays

    Major retail and corporate

    One of the original CMA-9 banks; deep retail and investment-banking presence.

  • Lloyds Bank

    Major retail

    Part of Lloyds Banking Group, the UK's largest current-account franchise.

  • NatWest

    Major retail

    Personal and business banking arm of NatWest Group.

  • Santander UK

    Major retail

    UK arm of Banco Santander, with deep mortgage and current-account share.

  • Halifax

    Retail bank

    Retail brand within Lloyds Banking Group, popular for mortgages.

  • Nationwide Building Society

    Building society

    Largest building society in the world, mutually owned by members.

  • Monzo

    Neobank

    London-headquartered neobank with a UK banking licence and millions of customers.

  • Starling Bank

    Neobank

    Independent UK neobank with a strong personal and SME current-account proposition.

  • Revolut UK

    Neobank

    London-born fintech, now operating under a UK banking licence.

  • First Direct

    Direct bank

    Online and telephone bank within HSBC UK, known for customer service.

  • Chase UK

    Direct bank

    JPMorgan's UK retail bank, launched in 2021.

Auch hier verfugbar: internationale Banken

  • Wise

    International account

    Multi-currency account; in the UK Wise operates as Wise Payments Ltd under its FCA e-money licence.

Netzwerke und Verbunde

  • 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.

Deine Bank fehlt?

Bank AI deckt deutlich mehr Institute ab als hier aufgefuhrt - inklusive Genossenschaftsbanken, Regionalbanken und reiner Online-Anbieter. Wenn deine Bank nicht dabei ist, schreib uns - wir bestatigen die Abdeckung.

Abdeckung prufen

So funktioniert Bank AI

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. 1. Konten verbinden

    Banken, Broker, Vorsorgekonten und Krypto-Wallets uber PSD2-lizenzierte Open-Banking-Partner anbinden - standardmassig nur lesend.

  2. 2. Gesamtbild sehen

    Vermogen, monatlicher Cashflow, Ausgaben, Sparen, Investments und Krypto - in deiner Heimwahrung, automatisch aktualisiert.

  3. 3. Die KI uebernimmt das Heben

    Kategorisierung, Anomalie-Warnungen, Sparprognosen und ein Chat, der deine Finanzfragen in Klartext beantwortet.

Regulierung und Vertrauen

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)

Bank AI im Vergleich

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 AISnoop, Emma, Money Dashboard, native bank apps
Multibank, landerubergreifendJaTeilweise
KI-Assistent auf Basis echter DatenJaNein
EU-Datenresidenz, DSGVO standardmassigJaTeilweise
Krypto-ready (in Vorbereitung)TeilweiseNein

Haufig gestellte Fragen

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.

Auch verfugbar in

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🇬🇧 Vereinigtes Koenigreich

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