- Connection
- PSD2 open banking
- DE coverage
- Sparkassen, ING, DKB, Comdirect
- Refresh
- Daily, automatic
Switch to Bank AI when
You hold ETFs across multiple Depots (Trade Republic, Scalable Capital, Comdirect, ING, Consorsbank, DKB), you have crypto on a German or pan-EU exchange, and you want one daily-refreshed net-worth view across all of them - plus your bank accounts and pensions. Bank AI is built for that picture.
Stay with Finanzguru when
You mainly want subscription detection, contract optimisation and a tidy view of your German current accounts. Finanzguru's contract-optimisation lane is its edge and Bank AI does not replicate it.
| Feature | Bank AI | Finanzguru |
|---|---|---|
| Connection method | PSD2-licensed open banking via Powens. Read-only. | PSD2 open banking, primarily for German banks. |
| Brokers and Depots | First-class. Connects to Trade Republic, Scalable Capital, Comdirect, ING-Diba Depot, Consorsbank, DKB Depot, Flatex and more. | Depot aggregation exists; brokerage is not the primary focus. |
| ETF Sparplan tracking | Surfaces ETF Sparpläne with cost basis and contributions. | Supported within the broader DE PFM view. |
| Tax wrappers (DE / EU) | Surfaces Depot, Riester / Rürup pensions and pan-EU wrappers (PIR, PEA, assurance-vie) where relevant. | DE-focused; pan-EU wrappers are not the framing. |
| Crypto | Crypto exchanges (Bitpanda, Binance, Coinbase, Kraken, Crypto.com) included. | Crypto support exists but is limited. |
| Subscription / contract detection | Subscription detection in product across all connected accounts. | Class-leading. Contract optimisation is Finanzguru's anchor product. |
| AI assistant | Built in. Plain-English answers about portfolio, exposure, FX, fees, dividends. | Smart insights and rule-based nudges; chat-led AI is not the anchor. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | Germany. |
| 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; Finanzguru Plus around EUR 4.99 / month (per public pricing). |
Multi-Depot portfolio view
Bank AI brings Trade Republic, Scalable Capital, Comdirect, ING-Diba, Consorsbank, DKB, Flatex and more into one daily-refreshed view, with ETF Sparplan tracking surfaced correctly.
Crypto in the same view
Crypto exchanges sit alongside Depots and bank accounts - one net worth, not three apps.
AI you can ask portfolio questions
'Wie viel zahle ich an Fondsgebühren', 'wo bin ich US-tech-uebergewichtet', 'when is my next ETF Ausschuettung'. Plain English or German.
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How Bank AI compares to Nutmeg: execution-only where you approve every move - not a discretionary robo - across all the accounts you already hold.
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How Bank AI compares to Moneyfarm: execution-only where you approve every move - not a discretionary robo - across the UK and Italy.
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Scalable Capital alternative
How Bank AI compares to Scalable Capital: every Depot in one view, plus a coming-soon invest-or-save move you approve - it's not a broker.
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How Bank AI compares to Trade Republic: every broker in one view, plus a coming-soon invest-or-save move you approve - it's not a broker.
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Oval Money / Gimme5 alternative
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→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a Finanzguru clone?
No. Finanzguru is a German PFM with strong subscription and contract-optimisation features. Bank AI is a pan-EU + UK net-worth app with multi-Depot, multi-broker, multi-crypto-exchange aggregation and an AI assistant. We share PSD2 open banking; we diverge on scope and editorial.
Does Bank AI replace Finanzguru for contract optimisation?
Not 1:1. Subscription detection is in product, but Finanzguru's contract-optimisation depth (Versicherungen, Strom, Mobilfunk) is its strongest lane and we don't try to replicate it.
Does Bank AI work with German banks and Depots?
Yes. Coverage includes the major Sparkassen, Volksbanken, ING-Diba, DKB, Commerzbank, Comdirect, Deutsche Bank, N26, plus the pan-EU brokers (Trade Republic, Scalable Capital, Bitvavo) that Germans hold their portfolios with.
Is Bank AI in German?
We have a German-locale Home page (/de) and the AI accepts German prompts. Some long-form pages are English-first today; we are expanding German coverage.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Finanzguru Plus is around EUR 4.99 per month per its public pricing page.
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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