- Connection
- PSD2 open banking
- Coverage
- 200+ providers, UK + EU
- AI
- Built into the data layer
Switch to Bank AI when
You bank or invest across the UK and the EU/EEA, you want crypto exchanges in the same net-worth view, and you want an AI assistant you can ask portfolio questions to. Bank AI is built for that picture.
Stay with Moneyhub when
You're UK-only and you value Moneyhub's longer track record and its B2B partnerships with UK financial advisers. Moneyhub's track record is its edge; we are newer and fully transparent about that.
| Feature | Bank AI | Moneyhub |
|---|---|---|
| Connection method | PSD2-licensed open banking via Powens. Read-only. | PSD2 open banking via Moneyhub's own AISP licence. Read-only. |
| Geographic focus | United Kingdom and EU/EEA: UK, IE, FR, DE, IT, ES, BE, NL, LU, PT, CZ, AT, CH. | United Kingdom focus. |
| Brokers and investment accounts | First-class. 60+ UK and EU brokers; ISA, SIPP, GIA, PEA, assurance-vie, Depot, PIR, cuenta de valores wrappers surfaced correctly. | Investment account aggregation supported in the consumer app. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included. | Not the primary focus. |
| AI assistant | Built in. Plain-English answers about portfolio, exposure, fees, FX, dividends. | Insights are dashboard-led; chat-led AI is not the anchor. |
| B2B / adviser-facing | Not in scope. Bank AI is a consumer product. | Strong. Moneyhub powers UK financial advisers via its B2B platform. |
| Custody | Read-only AISP. Never holds cash, securities or crypto. | Read-only AISP. Never holds assets. |
| Pricing (consumer app) | Paid app. Current pricing shown on the App Store. | Around GBP 1.49 / month or GBP 14.99 / year (per Moneyhub's public pricing for the consumer app). |
EU coverage out of the box
Moneyhub is UK-led. Bank AI covers 13 markets across the UK and EU/EEA - including PEA and assurance-vie in France, Depot and ETF Sparpläne in Germany, PIR in Italy.
Crypto in the same view
Crypto exchanges sit alongside brokers and bank accounts - one daily-refreshed net worth, not three apps.
AI you can ask portfolio questions
Plain-English answers about exposure, fees, FX, dividends, tax wrappers. Dashboards alone don't answer them.
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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 Moneyhub clone?
No. Moneyhub is a UK-led open-banking pioneer with a strong B2B adviser-facing business and a polished consumer app. Bank AI is consumer-only, AI-native, and covers the UK and the EU/EEA with crypto in scope. Same regulatory foundation, different product picture.
Does Bank AI replace Moneyhub for UK financial advisers?
No, that is not our market. Moneyhub's B2B / adviser platform is well-established and Bank AI does not compete in it. Bank AI is a consumer net-worth app.
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, Switzerland.
Is Bank AI cheaper than Moneyhub?
Bank AI is a paid app; current pricing is shown on the App Store. Moneyhub's consumer app is around GBP 1.49 per month or GBP 14.99 per year.
Is Bank AI as established as Moneyhub?
No. Moneyhub has been operating in UK open banking since 2014; Bank AI is newer. We are open about that. The trade-off is breadth (UK + EU + crypto + AI) and editorial focus on European wealth in 2026.
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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