Your real net worth. In one number. In one currency.
Most personal-finance apps stop at cash. Most portfolio trackers stop at brokers. Bank AI does both, plus pensions, plus life-insurance and assurance-vie, plus crypto, plus the assets you add by hand - and rolls it all into one net worth figure that finally tells the truth.
- Cash + investments
- Unified
- Manual assets
- Property, art, etc
- Refresh
- Daily
Why a half-net-worth view stops working in your 30s
Most people start with a current account, then a stocks ISA, then an EU broker, then a workplace pension, then crypto, then maybe property. Apps that only track one of those columns don't reflect reality.
Cash, investments, crypto, all in one view
Bank AI connects banks (the cash pillar) plus brokers, life-insurance, pensions and crypto exchanges (the wealth pillar). Net worth means net worth - not 'net cash plus a chart'.
Add what we can't connect
Property valuation, private business stake, art, classic cars, off-platform crypto in cold storage - add these as manual assets and Bank AI includes them in the headline number while keeping cash and tracked positions live.
One currency, no spreadsheets
GBP cash plus EUR brokerage plus USD crypto plus a CHF pension - all consolidated to your home currency at the daily mid-market rate. The original currencies stay visible at the position level.
How net worth gets built
Connect what you can. Add what you can't. Read the number.
- 01
Connect every bank, broker and exchange
Authorise read-only access via PSD2-licensed open-banking partners. Banks, brokers, pensions, life-insurance, assurance-vie, the major crypto exchanges - 200+ wealth-capable institutions covered today across 11 markets.
- 02
Add manual assets and liabilities
Property at its current valuation, private business stake at last round price, art with insurance valuation, off-platform crypto. Mortgages, student loans, credit lines on the liability side. All editable, all included in the headline number.
- 03
Read the headline
One number, one currency, refreshed daily. Drill into the breakdown to see cash, investments, pensions, crypto, property and manual assets side by side, with month-over-month and year-over-year change.
Coverage: banks, brokers, pensions, crypto
Bank AI surfaces wealth across 11 launch markets. Cash from every major UK and EU bank; investments from 200+ activated wealth providers (Trade Republic, Saxo, Degiro, Hargreaves Lansdown, Fineco, BoursoBank, the major French assurance-vie underwriters, the German Depot brokerage arms); crypto from Binance, Bitpanda, Coinbase, Kraken and Crypto.com.
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 →Net worth tracker FAQ
What does Bank AI count as 'net worth'?
Cash and current accounts; brokerage and pension positions; life-insurance and assurance-vie holdings; crypto across the major exchanges; manual assets you add (property valuation, private holdings, off-platform crypto, art). Liabilities (mortgages, loans, credit lines) net against the asset side.
Can I add property to Bank AI?
Yes. Property is a manual asset: you set the current valuation and (optionally) the linked mortgage. Bank AI includes both sides in the headline net worth figure. You can refresh the valuation any time.
Does Bank AI handle multiple currencies?
Yes. Every account is normalised to your home currency at the daily mid-market rate, while the original currency is preserved at position level so local-currency performance is still visible.
How does net worth tracking compare to apps like Empower (US) or YNAB?
US net-worth trackers are built on US data sources (Plaid, Yodlee) and cover US-domestic wrappers (401k, IRA). Bank AI is built on EU/UK PSD2 open banking and covers the wrappers Europeans actually use - ISA, SIPP, PEA, assurance-vie, PER, Depot, PIR, conto titoli, cuenta de valores, beleggingsrekening.
Is the data secure?
Yes. Bank AI's aggregation runs through PSD2-licensed AISPs supervised by national regulators (FCA, BaFin, ACPR, Banca d'Italia, Banco de Espana). Data is stored in EU regions, encrypted with TLS 1.2+ in transit and AES-256 at rest. Bank AI never sells personal data.
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