- Connection
- PSD2 open banking
- Coverage
- All your accounts, UK + EU
- Auto-invest
- Coming soon, you approve
Switch to Bank AI when
Your money lives across more than just Revolut - other banks, brokers, an ISA, a pension, a crypto exchange - and you want one daily view across all of them. And you like the idea that, coming soon, Bank AI reads what you can genuinely spare across everything you hold and proposes an invest-or-save move you approve, through a licensed regulated brokerage partner (your capital at risk).
Stay with Revolut when
You want one account that holds your money, handles FX and spending, and lets you buy stocks, ETFs and crypto in-app today. Revolut is good at being that all-in-one account, and Bank AI is not a bank or a broker - it connects to the accounts you already use and, coming soon, proposes moves you approve rather than holding your money itself.
| Feature | Bank AI | Revolut (invest) |
|---|---|---|
| Product type | Sees 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. | Financial super-app. Holds your money, handles spending and FX, and runs an in-app investing surface (stocks, ETFs, commodities, crypto). |
| What it can see | Everything: bank accounts, 60+ UK and EU brokers, ISAs, SIPPs, pensions and crypto exchanges in one net-worth view - including your Revolut account. | Primarily the money and investments you hold inside Revolut. |
| How it decides what to invest | Coming 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. | Self-directed in-app trading; you choose what to buy and when. |
| Discretion | Execution-only. Bank AI never invests without your one-tap approval; never discretionary, never autonomous. | Self-directed; every investing decision is your own. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included in the net-worth view. | In-app crypto trading; external exchanges are out of scope. |
| AI assistant | Built in. Ask plain-English questions about exposure, fees, FX, dividends and what you can afford to invest. | Not a chat-led AI assistant for your whole portfolio. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | United Kingdom, EU/EEA and beyond. |
| Custody | Read-only. When the invest layer ships, securities are held by the licensed regulated brokerage partner; Bank AI never holds your cash, securities or crypto. | Regulated; money and assets held by Revolut / its investing entities. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free and subscription account tiers, plus trading fees on the investing surface (per Revolut's public pricing). |
It sees all your money, not one app
Bank AI connects the banks, brokers, ISAs, SIPPs, pensions and crypto you already use - including Revolut. Revolut mostly sees what you hold inside Revolut.
It invests what you can genuinely spare
Coming soon, Bank AI reads how you actually spend across everything you hold and works out what you can safely spare before proposing a move. 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 - and it is not a bank or broker.
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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 bank or broker like Revolut?
No. Revolut holds your money and runs its own investing surface. Bank AI is neither a bank nor a broker: it connects to the accounts you already use - including Revolut - through PSD2-licensed open banking and shows them in one net-worth view. Coming soon, it proposes an invest-or-save move based on what you can spare and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk.
Can I see my Revolut account and investments in Bank AI?
Yes. Bank AI connects to Revolut via PSD2 open banking and surfaces your balances and positions alongside your other banks, brokers, pensions and crypto in one daily-refreshed view.
Can Bank AI buy stocks for me like Revolut?
Not today - aggregation is read-only. Coming soon, the invest layer can execute an invest-or-save move, but only when you approve it one tap at a time, execution-only, through a licensed regulated brokerage partner. It is never discretionary and never autonomous, and your capital is at risk when invested. For self-directed in-app stock and crypto trading, Revolut remains the right tool.
Does Bank AI invest in diversified funds?
The coming-soon invest layer is built around diversified funds and ETFs, fractional where supported, in your currency - proposed based on what you can genuinely spare and executed only on your one-tap approval through a licensed regulated brokerage partner. Your capital is at risk when invested.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Revolut has free and subscription account tiers plus trading fees on its investing surface per its public pricing.
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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