- 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 - rather than another place that holds your money.
Stay with Plum when
You want auto-savings rules ('round-ups', 'pay days', 'rainy day') and a beginner-friendly Stocks & Shares ISA you can fund directly from the same app. Plum is good at that lane and Bank AI does not replace it - we connect to brokers, we don't hold money.
| Feature | Bank AI | Plum |
|---|---|---|
| Product type | Read-only money aggregator. 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 rules | Not in scope. Bank AI is a view, not a savings engine. | Class-leading. 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 | Free during waitlist / pre-launch (2026). Paid tiers to be published before general release. | 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.
Read-only by design
Bank AI is a viewer, not a custodian. It never moves money, never holds securities, never trades. That keeps the surface area small and the regulatory model simple.
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→ - Use case
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Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a replacement for Plum?
Not exactly. Plum holds money on your behalf and runs auto-savings rules and an in-app ISA. Bank AI is read-only and connects to brokers and bank accounts you already use. If you want auto-savings, Plum is the right product. If you want one view across multiple brokers, banks and crypto exchanges, Bank AI is the right product. Many users will use both.
Can Bank AI move money like Plum can?
No, by design. Bank AI is a read-only PSD2 aggregator (AISP). It can see your balances and positions to build a net-worth view; it cannot move money, place trades or initiate transfers. That's what makes the regulatory model simple and the security surface small.
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?
Yes, during the 2026 pre-launch waitlist. Pricing for paid tiers will be published before general release. 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.
Join the waitlist