- Spending read
- Live today
- Sized move
- Coming soon
- Every move
- You approve
Reads the month you actually had
Bank AI categorises every transaction across connected accounts - rent, bills, subscriptions, the lot - and uses what's genuinely left to size the move. Live today as insight; it's the engine that will size the auto-invest proposal.
Adapts, never auto-runs
Heavy month? The proposed move shrinks. Quiet month? It grows. But it never executes on its own: when auto-invest ships it's execution-only and waits for your one-tap approval. You approve every move.
Diversified, fractional, your currency
When auto-invest goes live, the move points at diversified funds and ETFs, fractional so even a small spending surplus is put to work, in your home currency. Investing involves risk and your capital is at risk; no returns are promised.
- 01
Connect and let it read
Authorise read-only access via PSD2-licensed open banking. Bank AI categorises spending across every account today - banks, brokers, pensions, crypto - across 200+ supported institutions.
- 02
See the spending-based number
Bank AI shows what this month's spending leaves you to invest or save. Right now you act on it yourself; it's the exact figure the auto-invest proposal will use.
- 03
Approve the sized move (coming soon)
When the deposit -> auto-invest layer rolls out, Bank AI proposes a move sized to your spending and executes it on your one-tap approval, through a licensed regulated brokerage partner. Execution-only, capital at risk. Join the in-app early-access list.
221+ wealth-capable institutions tracked in the Bank AI inventory. The full grouped list - brokers, wealth-insurance, bank wealth and crypto - lives on the Investing pillar.
Investing →- Investing
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
→ - Investing
Multi-broker dashboard
Overlap, exposure and total wealth across every broker, in your currency.
→ - Investing
Net worth tracker
Cash, investments, pensions, crypto and manual assets in one number.
→ - Investing
Invest spare money
Bank AI sizes a move to what you can genuinely spare - you approve every move. Coming soon.
→ - Investing
Set-and-forget investing
Automate the work, not the decision - you approve every recurring move. Coming soon.
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Does Bank AI invest automatically based on my spending today?
Not yet. Today Bank AI reads your spending and shows what you can invest or save this month. The deposit -> auto-invest layer is coming soon: it will then propose a move sized to your spending and execute it only on your one-tap approval, through a licensed regulated brokerage partner. It is execution-only, never discretionary.
How does spending data turn into an investing amount?
Bank AI categorises every transaction across your connected accounts, accounts for income, bills and subscriptions, and works out what's genuinely left. That surplus - not a fixed figure - is what sizes the move. The amount changes month to month with your real cashflow.
Is this a round-up or spare-change feature?
No. There is no round-up mechanic. Bank AI looks at your whole month's spending to find what you can genuinely spare, then sizes a single move to that. It's about investing what you can afford, not skimming pennies off transactions.
Do I have to accept the move it suggests?
No. Every move is execution-only and requires your one-tap approval. You can change the amount, skip the month, or save instead of invest. Bank AI never acts on its own and there is no discretionary management. You approve every move.
What does it invest in, and who executes?
When auto-invest rolls out, proposals point at diversified funds and ETFs, fractional, in your home currency, executed through a licensed regulated brokerage partner. Investing involves risk and your capital is at risk; nothing is guaranteed. The aggregation behind it is live today.
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