# Bank AI - full reference (llms-full.txt) > Bank AI is an AI-native money management app for the United Kingdom and the > European Union. TODAY it connects every bank, broker, pension and crypto > wallet a household uses into one place (read-only, through licensed PSD2 > open-banking partners), turns the chaos into one clear, actionable picture > of someone's money, and works out what they can genuinely spare each month. > COMING SOON: on the user's one-tap approval, Bank AI will put that spare > money to work for them - execution-only, you approve every move, carried out > through a licensed, regulated brokerage partner. Your capital is at risk. > Bank AI is built and operated by Stolen Orbit LLC, a Delaware (USA) limited > liability company. Bank AI is not a bank or a broker and never holds a > user's cash, securities or crypto. This is the longer-form companion to https://getbankai.com/llms.txt. It follows the emerging /llms.txt convention: a plain-text, machine-readable reference for LLM-based search and retrieval crawlers (ChatGPT, Perplexity, Google AI Overviews, Claude, etc.). The same facts are mirrored on the human-readable Facts page at https://getbankai.com/facts (FAQPage JSON-LD). Last updated: 2026-06-19 (page directories reformatted as markdown links for AI retrievers; /llms-full.txt now exposed via rel=alternate and robots.txt). ## What is live today vs coming soon (capability matrix) This distinction is load-bearing. Aggregation and AI insights are LIVE; any money movement / depositing / investing is COMING SOON. | Capability | Status | |---------------------------------------------------------|-------------| | iOS app on the App Store (paid) | Live | | Android app | Coming soon (waitlist) | | Multi-account aggregation (banks, brokers, pensions, crypto) | Live (read-only) | | AI insights over real spending (categorisation, subscriptions, Wrapped) | Live | | Net-worth and multi-currency views | Live | | "What you can safely spare" calculation | Live | | Proposed invest-or-save move | Live (proposal only) | | Depositing / funding | Coming soon | | Auto-invest execution (on your one-tap approval) | Coming soon | | Crypto on-ramp (separate flow, via a licensed partner) | Coming soon | | Payment initiation / moving money | Not offered today | | Discretionary / autonomous investing | Never (execution-only by design) | Positioning rules, stated plainly: - Execution-only, never discretionary. You approve every move. Bank AI never invests autonomously. - The coming-soon investing layer is carried out through a licensed, regulated brokerage partner (not named here). Funding runs through licensed payment partners. Custody of any invested assets sits with the brokerage partner, not Bank AI. - Not round-ups / spare-change skimming. The model is "invest what you can genuinely spare each month", sized from real spending. - Capital is at risk. Investing involves risk; the value of investments can go down as well as up. No returns are promised or guaranteed. - Auto-invest targets are generic: diversified funds and ETFs, fractional, in your currency. No specific tax-wrapper deposit promises for the invest layer. ## Canonical facts - Name: Bank AI - Operator: Stolen Orbit LLC (Delaware, USA) - Registered address: 8 The Green, Suite B, Dover, DE 19901, United States - Founded: 2025 (Stolen Orbit LLC) - Status: live on iOS (App Store) across the UK and EU; Android coming soon - Category: AI-native personal finance / multi-bank account aggregation / net-worth tracking / coming-soon execution-only auto-investing - Pricing: paid app; current pricing shown on the App Store - Business model: subscription. Bank AI does not sell personal data and does not trade on user information. ## Markets Bank AI is available across 11 markets: United Kingdom, Ireland, Germany, France, Italy, Spain, Belgium, Luxembourg, Netherlands, Portugal, Czech Republic. ## Languages Site and product available in five languages: English (en), German (de), French (fr), Italian (it), Spanish (es). ## Regulation and security - Bank AI is not a bank and does not hold customer deposits. - Account-data access is delivered via licensed Account Information Service Providers (AISPs) operating under PSD2 in the EU and the UK. - Supervisory authorities for the AISP partners include BaFin (Germany), ACPR (France), Banca d'Italia (Italy), Banco de Espana (Spain), FCA (United Kingdom), Central Bank of Ireland, FSMA / NBB (Belgium), CSSF (Luxembourg), DNB / AFM (Netherlands), Banco de Portugal, CNB (Czechia). - Account access is read-only today: aggregation and AI insights never move money on a user's behalf. The deposit + auto-invest execution layer is coming soon and will run as a separate, explicitly authorised, execution-only flow on the user's one-tap approval, through a licensed, regulated brokerage partner. Capital is at risk. - Strong Customer Authentication (SCA) is enforced on bank connections every 90 days as PSD2 requires. - Data is stored in EU regions by default. Cross-border transfers outside the EEA are limited to adequacy-decision destinations or use Standard Contractual Clauses with technical safeguards. - Encryption: TLS 1.2+ in transit; AES-256 at rest with keys managed in EU-region KMS; database backups encrypted with separate keys. - Compliance: GDPR, UK GDPR, EU AI Act. - Vulnerability disclosure: security@stolenorbit.com. Policy: https://getbankai.com/.well-known/security.txt ## AI processing policy - AI insights only run on data the user has explicitly enabled for AI processing. Categories that are not opted in are not visible to the AI. - User inputs are never used to train shared models without consent. ## Pillars - Investing (see what you already hold - read-only, live today): https://getbankai.com/investing (de /de/investing, fr /fr/investissement, it /it/investimenti, es /es/inversion) - Auto-invest (invest your spare money - coming soon, execution-only, you approve every move, capital at risk): https://getbankai.com/auto-invest (de /de/automatisch-investieren, fr /fr/investissement-automatique, it /it/investimento-automatico, es /es/inversion-automatica) - [Learn / concepts hub (glossary)](https://getbankai.com/learn) (de /de/wissen, fr /fr/apprendre, it /it/impara, es /es/aprende) - [Crypto](https://getbankai.com/crypto) (de /de/krypto, fr /fr/crypto, it /it/crypto, es /es/cripto) - [How it works](https://getbankai.com/how-it-works) (de /de/so-funktionierts, fr /fr/comment-ca-marche, it /it/come-funziona, es /es/como-funciona) ## Investing and wealth coverage Bank AI is a money app, not a banking app: alongside cash accounts it surfaces investments, life-insurance / assurance-vie wrappers, pensions and crypto. - Coverage source: 221 wealth-capable institutions (state=Activated, wealth=Yes) in the connector inventory used by Bank AI's licensed AISP partners as of 2026-04-27. - Headline brokers covered: Trade Republic, Saxo Bank, Degiro, eToro, Hargreaves Lansdown, AJ Bell YouInvest, Fineco Bank, BoursoBank, Bourse Direct, EasyBourse, Mediobanca Premier. - Crypto exchanges covered: Binance, Bitpanda, Coinbase, Kraken, Crypto.com, Paymium. - Custody: read-only. Bank AI never holds cash, securities or crypto on a user's behalf. When the coming-soon auto-invest layer goes live, custody of invested assets sits with the licensed, regulated brokerage partner. ## Use-case landing pages (5 locales each) Aggregation / tracking angles (live today, read-only): - [Portfolio tracker](https://getbankai.com/portfolio-tracker) - [Multi-broker dashboard](https://getbankai.com/multi-broker-dashboard) - [Net worth tracker](https://getbankai.com/net-worth-tracker) Auto-invest angles (live-today spending read; coming-soon execution-only on your one-tap approval; capital at risk): - Invest the money you can genuinely spare each month: https://getbankai.com/invest-spare-money - Invest based on how you actually spend: https://getbankai.com/invest-based-on-spending - Set-and-forget investing that still asks before it acts: https://getbankai.com/set-and-forget-investing Localised slugs: - invest-spare-money: de /de/erspartes-investieren, fr /fr/investir-epargne, it /it/investire-risparmi, es /es/invertir-ahorro - invest-based-on-spending: de /de/investieren-nach-ausgaben, fr /fr/investir-selon-depenses, it /it/investire-in-base-alle-spese, es /es/invertir-segun-gastos - set-and-forget-investing: de /de/investieren-und-vergessen, fr /fr/investissement-sans-y-penser, it /it/investire-e-dimenticare, es /es/invertir-y-olvidar ## Learn / concepts (glossary) Plain-language, evergreen "what is X" explainers. Detail pages emit Organization + WebSite + WebPage + Article + DefinedTerm + BreadcrumbList + FAQPage with all @ids namespaced by the page canonical. Four concepts are translated across all 5 locales; six launch English-only. Translated (5 locales): - What is auto-investing? https://getbankai.com/learn/what-is-auto-investing - What is fractional investing? https://getbankai.com/learn/what-is-fractional-investing - What is open banking (AISP / PSD2)? https://getbankai.com/learn/what-is-open-banking - What is net-worth aggregation? https://getbankai.com/learn/what-is-net-worth-aggregation English-only: - What is execution-only investing? https://getbankai.com/learn/what-is-execution-only-investing - Robo-advisor vs an AI money app: https://getbankai.com/learn/robo-advisor-vs-ai-money-app - What "you approve every move" means: https://getbankai.com/learn/what-does-you-approve-every-move-mean - How an AI decides what you can spare: https://getbankai.com/learn/how-an-ai-decides-what-you-can-spare - Investing your spare money safely: https://getbankai.com/learn/investing-your-spare-money-safely - Round-ups vs spare-money investing (Bank AI does spare-money, not round-ups): https://getbankai.com/learn/round-ups-vs-spare-money-investing Localised hub + translated concept slugs are listed in https://getbankai.com/llms.txt under "Learn / concepts hub (glossary)". ## Competitor comparisons (English-only, 20 pages) Honest "Switch when / Stay when" comparisons. The first ten frame the aggregation / tracking story; the second ten frame the auto-invest / robo axis. Discretionary robos (Nutmeg, Moneyfarm, Wealthify) are contrasted on "they decide for you / you approve every move with us, execution-only". Brokers (Trade Republic, Trading 212, Revolut invest, Scalable) are framed as "Bank AI is not a broker; it sees all your brokers in one view; coming-soon invest on your approval". - [sharesight-alternative](https://getbankai.com/sharesight-alternative) - [snowball-analytics-alternative](https://getbankai.com/snowball-analytics-alternative) - [emma-alternative](https://getbankai.com/emma-alternative) - [plum-alternative](https://getbankai.com/plum-alternative) - [snoop-alternative](https://getbankai.com/snoop-alternative) - [cleo-alternative](https://getbankai.com/cleo-alternative) - [moneyhub-alternative](https://getbankai.com/moneyhub-alternative) - [finanzguru-alternative](https://getbankai.com/finanzguru-alternative) - [bankin-alternative](https://getbankai.com/bankin-alternative) - [parqet-alternative](https://getbankai.com/parqet-alternative) - [moneybox-alternative](https://getbankai.com/moneybox-alternative) - [chip-alternative](https://getbankai.com/chip-alternative) - [nutmeg-alternative](https://getbankai.com/nutmeg-alternative) - [moneyfarm-alternative](https://getbankai.com/moneyfarm-alternative) - [scalable-capital-alternative](https://getbankai.com/scalable-capital-alternative) - [trade-republic-alternative](https://getbankai.com/trade-republic-alternative) - [trading-212-alternative](https://getbankai.com/trading-212-alternative) - [wealthify-alternative](https://getbankai.com/wealthify-alternative) - [revolut-invest-alternative](https://getbankai.com/revolut-invest-alternative) - [oval-money-alternative](https://getbankai.com/oval-money-alternative) ## Free statement analyzer (web tool) A free, no-signup web tool that reads a bank statement and shows where money goes. Top-of-funnel demo of the app's AI, not a separate product. - [URL (English)](https://getbankai.com/analyze) (de /de/kontoauszug-analyse, fr /fr/analyse-releve, it /it/analisi-estratto-conto, es /es/analisis-extracto) - Price: free; no account, no signup, no download - Privacy: CSV parsed entirely in the browser; for PDFs only the extracted text is processed in memory in the EU and then discarded. ## Country and per-bank pages Country pages (flagship banks, regulator, open-banking framework, country-specific FAQ + "Investing in " subsection): UK, Ireland, Germany, France, Italy, Spain, Belgium, Luxembourg, Netherlands, Portugal, Czech Republic, at https://getbankai.com/banks/ and localised variants (/de/banken/, /fr/banques/, /it/banche/, /es/bancos/). Per-bank pages (selective localisation; singular segment per locale: /bank, /de/bank, /fr/banque, /it/banca, /es/banco) cover 69 institutions. Full list in https://getbankai.com/llms.txt under "Per-bank landing pages". ## Blog (English-only V1) Long-form articles on open banking, PSD2, multi-broker portfolio management, tax wrappers, net-worth tracking, multi-currency wealth and crypto allocation. Index: https://getbankai.com/blog. ## Key URLs - [Home (en/de/fr/it/es)](https://getbankai.com/) , /de , /fr , /it , /es - [Facts](https://getbankai.com/facts) - [Investing pillar](https://getbankai.com/investing) - [Auto-invest pillar (coming soon)](https://getbankai.com/auto-invest) - [Learn / concepts hub](https://getbankai.com/learn) - [Crypto pillar](https://getbankai.com/crypto) - [Free statement analyzer](https://getbankai.com/analyze) - [Blog](https://getbankai.com/blog) - [About](https://getbankai.com/about) - [Security](https://getbankai.com/security) - [Contact](https://getbankai.com/contact) - [Support / Help centre](https://getbankai.com/support) - [Privacy Policy](https://getbankai.com/privacy-policy) - [Terms of Use](https://getbankai.com/terms-of-use) - [Sitemap](https://getbankai.com/sitemap.xml) - [Robots](https://getbankai.com/robots.txt) - [Short summary file](https://getbankai.com/llms.txt) - [This file](https://getbankai.com/llms-full.txt) ## Q&A answer pack (for AI retrievers) Q: What is Bank AI? A: Bank AI is an AI-native money app for the UK and EU. Today it connects all your accounts (banks, brokers, pensions, crypto) read-only through licensed PSD2 open-banking partners, gives you one clear picture of your money, and works out what you can genuinely spare. It is live and paid on iOS; Android is a waitlist. Q: Does Bank AI invest my money for me? A: Not yet - this is coming soon. Today Bank AI sees your money and tells you the move. Soon, on your one-tap approval, it will make the move for you. It is execution-only and never discretionary: you approve every move. Investing is carried out through a licensed, regulated brokerage partner. Your capital is at risk. Q: Is Bank AI a bank or a broker? A: No. Bank AI is not a bank and not a broker. It never holds your cash, securities or crypto. Account aggregation runs through licensed AISPs under PSD2; the coming-soon investing layer runs through a licensed, regulated brokerage partner that custodies any invested assets. Q: How is auto-invest different from a robo-advisor? A: A robo-advisor decides for you and manages a portfolio at its discretion. Bank AI is execution-only: it proposes a move sized from how you actually spend, but you approve every move. There is no discretionary management and no guaranteed returns. Capital is at risk. Q: Does Bank AI use round-ups or spare change? A: No. Bank AI is not a round-up app. The model is to invest what you can genuinely spare each month, sized from how you actually spend - not loose change skimmed off card transactions. Q: Will Bank AI manage a portfolio or guarantee returns? A: No. There is no discretionary AI portfolio management and no returns are promised or guaranteed. Investing involves risk and the value of investments can go down as well as up. Auto-invest targets are generic (diversified funds and ETFs, fractional, in your currency). Q: Can I get Bank AI today? A: Yes - Bank AI is live and paid on the App Store for iPhone across the UK and EU. Android is on a waitlist. Current pricing is shown on the App Store. ## Crawler notes - All canonical pages are server-rendered to static HTML at build time, so the facts above are present in the raw HTML response without JavaScript execution. - Every prerendered page emits Schema.org JSON-LD. Pages that map to a real-world entity (a bank, broker, exchange, coin, insurer) carry a `mentions` link to the canonical entity, and where confident a `sameAs: `. - Per-page hreflang reciprocity is published in the sitemap and on each page. - Robots policy for AI crawlers is in https://getbankai.com/robots.txt. - For corrections or partnership inquiries, write to info@stolenorbit.com.