- Connection
- PSD2 open banking
- Coverage
- 200+ EU/UK providers
- Auto-invest
- Coming soon, you approve
Switch to Bank AI when
You want one daily view across the accounts you already use - bank accounts, brokers, ISAs, SIPPs, pensions and crypto - rather than another standalone pot. And you like the idea that, coming soon, Bank AI will read what you can genuinely spare each month and propose an invest-or-save move it executes only when you approve it, tap by tap, through a licensed regulated brokerage partner (your capital at risk).
Stay with Moneybox when
You want a Lifetime ISA with the government bonus, or round-up saving and investing live in one app today. Moneybox is good at that lane, and Bank AI's deposit and auto-invest layer is still coming soon - even once live it stays execution-only on your one-tap approval, and we make no new claim about LISA or specific tax-wrapper deposits.
| Feature | Bank AI | Moneybox |
|---|---|---|
| Product type | Sees all your money today (read-only aggregation via PSD2); deposit + auto-invest on your one-tap approval is coming soon, execution-only, via a licensed regulated brokerage partner. | Savings + investing app. Moneybox holds money on your behalf and runs its own ISA, Lifetime ISA, GIA and pension. |
| What it can see | Everything: bank accounts, 60+ UK and EU brokers, ISAs, SIPPs, pensions and crypto exchanges in one net-worth view. | Primarily money held inside Moneybox, plus open-banking links for round-up saving. |
| How it decides what to invest | Coming soon. Bank AI reads how you actually spend across all accounts, works out what you can genuinely spare, and proposes an invest-or-save move you approve one tap at a time. | Round-ups and scheduled deposits set by you; you pick the fund or track. |
| Discretion | Execution-only. Bank AI never invests without your explicit one-tap approval; never discretionary, never autonomous. | You choose the investment; Moneybox executes your instruction. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included in the net-worth view. | Not in scope. |
| AI assistant | Built in. Ask plain-English questions about exposure, fees, FX, dividends and what you can afford to invest. | Not part of the product. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | United Kingdom. |
| Custody | Read-only. When the invest layer ships, securities are held by the licensed regulated brokerage partner; Bank AI never holds your cash, securities or crypto. | FCA-regulated; client money and assets held with Moneybox's custodian / partner banks. |
| Pricing | Paid app. Current pricing shown on the App Store. | Monthly subscription plus a platform fee and fund costs (per Moneybox's public pricing). |
It sees all your money, not one pot
Bank AI connects the banks, brokers, ISAs, SIPPs, pensions and crypto you already use. Moneybox mostly sees what you hold inside Moneybox.
It invests what you can genuinely spare
Coming soon, Bank AI reads how you actually spend, works out what you can safely spare, and proposes an invest-or-save move - rather than a fixed round-up rule. Your capital is at risk when invested.
You approve every move
Execution-only, on your one-tap approval, through a licensed regulated brokerage partner. Bank AI is never discretionary and never autonomous.
- Alternative
Sharesight alternative
How Bank AI compares to Sharesight: PSD2 open banking, multi-currency net worth, and an AI assistant - built for UK and EU investors.
→ - Alternative
Snowball Analytics alternative
How Bank AI compares to Snowball Analytics: PSD2 open banking, cash + investments + crypto in one app, and an AI assistant on top.
→ - Alternative
Emma alternative
How Bank AI compares to Emma: investments, pensions and crypto first-class - not a spend dashboard with a side panel.
→ - Alternative
Plum alternative
How Bank AI compares to Plum: a read-only view across the brokers and banks you already use - not another platform that holds your money.
→ - Alternative
Snoop alternative
How Bank AI compares to Snoop: cash, investments, pensions and crypto in one view - not a UK-only bills dashboard.
→ - Alternative
Cleo alternative
How Bank AI compares to Cleo: an AI-native money app built for UK and EU investors, brokers, ISAs, SIPPs and PEAs - not US credit products.
→ - Alternative
Moneyhub alternative
How Bank AI compares to Moneyhub: same PSD2 open-banking foundation, wider EU coverage, crypto in scope, and a built-in AI assistant.
→ - Alternative
Finanzguru alternative
How Bank AI compares to Finanzguru: multi-Depot, multi-broker, multi-crypto-exchange aggregation with an AI assistant - pan-EU, not just Germany.
→ - Alternative
Bankin' alternative
How Bank AI compares to Bankin': PEA, assurance-vie, PER, brokers and crypto in one daily-refreshed view, with an AI assistant on top.
→ - Alternative
Parqet alternative
How Bank AI compares to Parqet: PSD2 open banking instead of CSV imports, cash + Depots + crypto in one view, with an AI assistant on top.
→ - Alternative
Chip alternative
How Bank AI compares to Chip: it sees all your money, finds what you can spare, and - coming soon - invests it on your one-tap approval.
→ - Alternative
Nutmeg alternative
How Bank AI compares to Nutmeg: execution-only where you approve every move - not a discretionary robo - across all the accounts you already hold.
→ - Alternative
Moneyfarm alternative
How Bank AI compares to Moneyfarm: execution-only where you approve every move - not a discretionary robo - across the UK and Italy.
→ - Alternative
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.
→ - Alternative
Trade Republic alternative
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.
→ - Alternative
Trading 212 alternative
How Bank AI compares to Trading 212: every account in one view, plus a coming-soon invest-or-save move you approve across all your money.
→ - Alternative
Wealthify alternative
How Bank AI compares to Wealthify: execution-only where you approve every move - not a discretionary managed plan - across all your accounts.
→ - Alternative
Revolut invest alternative
How Bank AI compares to Revolut for investing: it sees all your money across every app, and - coming soon - invests what you can spare on your one-tap approval.
→ - Alternative
Oval Money / Gimme5 alternative
How Bank AI compares to Oval Money / Gimme5: it sees all your money across Italy and the EU, and - coming soon - invests what you can spare on your one-tap approval.
→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
→
Is Bank AI a Moneybox clone?
No. Moneybox is a savings-and-investing app that holds money on your behalf and runs its own ISA, Lifetime ISA and pension. Bank AI sees across every account you already hold - banks, brokers, ISAs, SIPPs, pensions and crypto - through PSD2-licensed open banking, with an AI assistant on top. Coming soon, it adds a deposit and auto-invest layer that proposes a move based on what you can spare and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk.
Does Bank AI invest my money like Moneybox?
Not yet - aggregation is read-only today. The deposit and auto-invest layer is coming soon: Bank AI reads what you can genuinely spare each month and proposes an invest-or-save move, then executes it only when you approve it one tap at a time, through a licensed regulated brokerage partner. It stays execution-only - never discretionary, never autonomous - and your capital is at risk when invested.
Does Bank AI do round-ups?
No. Rather than a fixed round-up mechanic, Bank AI's coming-soon approach reads how you actually spend across all your accounts and works out what you can genuinely spare each month, then proposes an invest-or-save move you approve. The amount reflects your real cashflow, not a per-transaction rounding rule.
Can Bank AI open a Lifetime ISA like Moneybox?
No. If you want the Lifetime ISA government bonus, Moneybox (or another LISA provider) is the right product. Bank AI surfaces ISA, SIPP and other wrappers you already hold for aggregation, but we make no new claim about opening or depositing into specific tax wrappers through the coming-soon invest layer.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Moneybox charges a monthly subscription plus a platform fee and fund costs per its public pricing.
Does Bank AI work outside the UK?
Yes. Coverage is the UK and the EU/EEA: Ireland, France, Germany, Italy, Spain, Belgium, Netherlands, Luxembourg, Portugal, Czech Republic, Austria and Switzerland. Moneybox is UK-only.
Get the app