- Connection
- PSD2 open banking
- Coverage
- 60+ brokers, UK + EU
- Refresh
- Daily, automatic
Switch to Bank AI when
You already have a brokerage account, an ISA, a SIPP, a PEA or an assurance-vie wrapper somewhere (Hargreaves Lansdown, Trading 212, Trade Republic, Boursorama, Saxo, anywhere) and you want one daily-refreshed view across all of them - plus your bank accounts and crypto. 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.
Stay with Plum when
You want auto-savings rules ('pay days', 'rainy day') and a beginner-friendly Stocks & Shares ISA you can fund directly from the same app today. Plum is good at that lane. 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 - so if you need money movement live right now, Plum is the better fit today.
| Feature | Bank AI | Plum |
|---|---|---|
| Product type | Read-only money aggregator today; deposit + auto-invest on your one-tap approval is coming soon (execution-only, via a licensed regulated brokerage partner). Connects to brokers, banks and crypto exchanges via PSD2 open banking. | Savings + investing app. Plum holds money on your behalf via partner banks (UK FSCS-protected) and runs an in-app ISA. |
| Connection method | PSD2-licensed open banking via Powens. No money movement. | PSD2 open banking for spending insights, plus direct money flows to/from Plum's own accounts. |
| Multi-broker support | First-class. Connects to 60+ UK and EU brokers (Trade Republic, Trading 212, Hargreaves Lansdown, AJ Bell, Saxo, Boursorama, Fineco, etc.). | Plum's investment surface is its own platform; external brokers are not the focus. |
| Tax wrappers (UK / EU) | Surfaces ISA, SIPP, GIA, PEA, assurance-vie, Depot, PIR, cuenta de valores correctly across providers. | Plum offers its own Stocks & Shares ISA, SIPP and General Investment Account. |
| Auto-savings / auto-invest | Coming soon. Rather than fixed savings rules, Bank AI reads what you can genuinely spare each month and proposes an invest-or-save move it executes on your one-tap approval (execution-only, via a licensed regulated brokerage partner; capital at risk). | Class-leading auto-savings. Round-ups, pay-day rules, rainy-day rules, 52-week challenges. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included. | Not in scope. |
| AI assistant | Built in. Plain-English answers about portfolio, exposure, FX, fees, dividends. | Smart insights and 'Plum AI' nudges; not chat-led. |
| Geographic focus | United Kingdom and EU/EEA: UK, IE, FR, DE, IT, ES, BE, NL, LU, PT, CZ, AT, CH. | UK with growing EU footprint (FR, ES, IE). |
| Custody / regulation | Read-only AISP (Account Information Service Provider) connectivity. Bank AI never holds cash, securities or crypto. | Plum is FCA-regulated; client money is held in segregated accounts at partner banks. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free tier; Plus around GBP 2.99 / month, Pro around GBP 9.99 / month, Premium around GBP 15.99 / month (per Plum's public pricing). |
Brokers you already use, not another platform
Bank AI connects to your existing Trade Republic, Trading 212, Hargreaves Lansdown, AJ Bell, Saxo, Boursorama and 50+ more, instead of asking you to migrate money to a new platform.
Net worth across cash, investments, pensions and crypto
Plum is a savings-and-investing app. Bank AI is a complete net-worth view that respects how European wealth actually sits in 2026.
Today read-only; soon, invest on your one-tap approval
Today Bank AI is read-only: it sees your whole picture and tells you the move. Coming soon, it reads what you can genuinely spare each month and proposes an invest-or-save move it will execute for you on your one-tap approval - execution-only, through a licensed, regulated brokerage partner. You approve every move; your capital is at risk.
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Nutmeg alternative
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Trade Republic alternative
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Oval Money / Gimme5 alternative
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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 replacement for Plum?
It depends on what you want. Plum holds money on your behalf and runs auto-savings rules and an in-app ISA. Bank AI is read-only today and connects to the brokers and bank accounts you already use; coming soon it will also work out what you can genuinely spare each month and invest it on your one-tap approval, execution-only, through a licensed regulated brokerage partner (your capital is at risk). If you mainly want round-up auto-savings now, Plum is a fine fit. If you want one view across multiple brokers, banks and crypto exchanges - and, soon, AI-proposed invest moves you approve - Bank AI is the broader product. Many people will use both.
Can Bank AI invest or move money like Plum can?
Today, no - aggregation is read-only. Bank AI sees your balances and positions to build a net-worth view and answer questions about it. Coming soon, Bank AI will add a deposit and auto-invest layer: it proposes an invest-or-save move based on what you can spare, and 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.
Can I see my Plum ISA in Bank AI?
Plum is not currently in our broker coverage list. As coverage expands we'll add it. In the meantime Bank AI connects to most of the major UK and EU brokers (Hargreaves Lansdown, AJ Bell, Trading 212, Trade Republic, Saxo, Fineco, Boursorama and many more) and shows positions in a unified daily view.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Plum tiers run around GBP 2.99 to GBP 15.99 per month per its public pricing page.
Does Bank AI work in the EU as well as the UK?
Yes. Coverage is the United Kingdom and the European Economic Area, including France (PEA, assurance-vie, PER), Germany (Depot, ETF Sparplan), Italy (PIR, conto titoli), Spain (cuenta de valores), the Netherlands and more.
Is Bank AI safe?
Bank AI uses PSD2-licensed AISP partners (Powens) and bank-grade encryption. We never see your bank credentials - the bank's strong customer authentication flow handles that. Connections are read-only and consent expires per PSD2 rules.
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