Bank AI
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Connection
PSD2 open banking
Coverage
Italy + EU/EEA
Auto-invest
Coming soon, you approve

Switch to Bank AI when

You want one daily view across all the accounts you already hold in Italy and the EU - banks, brokers, PIRs, conti titoli, pensions and crypto - and you like the idea that, coming soon, Bank AI reads what you can genuinely spare each month and proposes an invest-or-save move you approve one tap at a time, through a licensed regulated brokerage partner (your capital at risk).

Stay with your current set-aside app when

You want a live, dedicated set-aside-and-invest experience today with money held on your behalf. Bank AI's deposit and auto-invest layer is still coming soon, and even once live it stays execution-only on your one-tap approval and connects to the brokers you already use rather than holding your money itself.

FeatureBank AIOval Money / Gimme5
Product typeSees 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.Set-aside-and-invest app. Helped users save automatically and invest set-aside money in funds.
What it can seeEverything: bank accounts, 60+ EU brokers, PIRs, conti titoli, pensions and crypto exchanges in one net-worth view.Primarily the money set aside and invested inside the app.
How it decides what to investComing 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.Set-aside rules and manual top-ups you configure; you choose the fund.
DiscretionExecution-only. Bank AI never invests without your one-tap approval; never discretionary, never autonomous.You choose the fund; the app executes your instruction.
Italian tax wrappersSurfaces PIR and conto titoli correctly in the aggregation view.Fund-level view; tax-wrapper framing is not the anchor.
CryptoCrypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included in the net-worth view.Not in scope.
AI assistantBuilt in. Ask plain-English / Italian questions about exposure, fees, FX, dividends and what you can afford to invest.Not a chat-led AI assistant.
Geographic focusUnited Kingdom and EU/EEA - 13 markets, including Italy.Italy (with some wider availability historically).
CustodyRead-only. When the invest layer ships, securities are held by the licensed regulated brokerage partner; Bank AI never holds your cash, securities or crypto.Money set aside and invested was held via its partners.
PricingPaid app. Current pricing shown on the App Store.Historically free to use with fund costs on invested money.

  • It sees all your money, not one pot

    Bank AI connects the banks, brokers, PIRs, conti titoli, pensions and crypto you already use across Italy and the EU - one daily-refreshed net worth.

  • It invests what you can genuinely spare

    Coming soon, Bank AI reads how you actually spend and works out what you can safely spare before proposing an invest-or-save move - grounded in your real cashflow. 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.

Is Bank AI like Oval Money or Gimme5?

It shares the spirit of setting money aside and investing it, but it's a wider, AI-native app. Bank AI sees across every account you already hold in Italy and the EU - banks, brokers, PIRs, conti titoli, pensions and crypto - through PSD2-licensed open banking. Coming soon, it reads what you can genuinely spare and proposes an invest-or-save move you approve one tap at a time, execution-only, through a licensed regulated brokerage partner. Your capital is at risk.

Does Bank AI set money aside automatically?

Not with a fixed set-aside rule, and not yet. Aggregation is read-only today. Coming soon, Bank AI reads how you actually spend and works out what you can genuinely spare each month, then proposes an invest-or-save move you approve. It stays execution-only and your capital is at risk when invested.

Does Bank AI work with Italian banks and PIRs?

Yes. Coverage includes the major Italian banks plus brokers, and Bank AI surfaces PIR and conto titoli wrappers correctly in the aggregation view, alongside pensions and crypto.

Is Bank AI in Italian?

We have an Italian-locale Home page (/it) and the AI accepts Italian prompts. Some long-form pages are English-first today; we are expanding Italian coverage.

Is Bank AI free?

Bank AI is a paid app; current pricing is shown on the App Store. Oval Money / Gimme5 was historically free to use, with fund costs on invested money.

Is Bank AI read-only?

Today, yes - for aggregation. Bank AI reads your accounts to build a net-worth view; it does not move money or place trades on its own. Coming soon, the deposit and auto-invest layer proposes an invest-or-save move and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk when invested.

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