- Connection
- PSD2 open banking
- Coverage
- 200+ providers
- Refresh
- Daily, automatic
Switch to Bank AI when
Your wealth lives across bank accounts, brokers, ISAs, SIPPs, PEAs, assurance-vie wrappers and crypto exchanges, you bank in the UK or EU, and you want one daily-refreshed view of net worth - not just a bills dashboard. Bank AI brings investments and crypto in as first-class citizens.
Stay with Snoop when
You want bill-switching prompts, energy-tariff comparisons, savings-rate alerts and category nudges. Snoop is excellent at that lane and Bank AI does not replicate switching journeys - we focus on visibility, not arbitrage.
| Feature | Bank AI | Snoop |
|---|---|---|
| Connection method | PSD2-licensed open banking via Powens. Read-only. | PSD2 open banking via aggregator partners. Read-only. |
| Brokers and investment accounts | First-class. 60+ UK and EU brokers, with ISA, SIPP, GIA, PEA, assurance-vie, Depot, PIR and cuenta de valores wrappers surfaced correctly. | Limited. Snoop's anchor is current accounts and bills, not brokerage. |
| Pensions | Connects to UK SIPPs (Hargreaves Lansdown, AJ Bell, Interactive Investor) and EU pension wrappers. | Pension support exists but is not the focus. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included. | Not in scope. |
| AI assistant | Built in. Plain-English answers about portfolio, exposure, fees, FX, dividends. | Insights are rule-based ('Snoops') rather than chat-led. |
| Bill-switching prompts | Not in scope. Bank AI focuses on visibility, not arbitrage. | Class-leading. Energy, broadband, mobile, savings-rate, mortgage prompts. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | United Kingdom only. |
| Custody | Read-only. Bank AI never holds cash, securities or crypto. | Read-only. Snoop never holds assets. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free tier; Plus around GBP 4.99 / month (per Snoop's public pricing). |
Investments and pensions are first-class
Bank AI surfaces ISA, SIPP, PEA, assurance-vie, Depot, PIR and cuenta de valores wrappers correctly. Snoop's anchor is bills.
Net worth, not just bills
Cash, investments, pensions and crypto in one view - not a bills dashboard with accounts on the side.
EU coverage out of the box
If you bank or invest across the UK and the EU, Bank AI handles both. Snoop is UK-only.
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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 Snoop?
It depends. If you mainly want bill-switching prompts and category-level nudges, Snoop is excellent at that lane and worth keeping. If your wealth lives across multiple brokers, ISAs, SIPPs, PEAs, assurance-vie wrappers and crypto exchanges, Bank AI is the broader fit because it brings investments and crypto in as first-class citizens.
Can I see my investments in Bank AI like I do in Snoop?
Yes - and far more deeply. Bank AI connects to 60+ UK and EU brokers and surfaces ISA, SIPP, GIA, PEA, assurance-vie, Depot, PIR and cuenta de valores wrappers correctly with a daily-refreshed view of holdings, FX and fees.
Does Bank AI work outside the UK?
Yes. Coverage is the UK plus the EU/EEA (Ireland, France, Germany, Italy, Spain, Belgium, Netherlands, Luxembourg, Portugal, Czech Republic, Austria, Switzerland). Snoop is UK-only.
Does Bank AI suggest cheaper bills?
Not today. Bank AI focuses on visibility - what you have and how it is performing. Bill-switching arbitrage is Snoop's lane and we don't try to replicate it.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Snoop's Plus tier is around GBP 4.99 per month per its public pricing page.
Is Bank AI read-only?
Today, yes - for aggregation. Bank AI uses PSD2-licensed AISP connectivity to read your accounts and build a net-worth view; it does not move money or place trades on its own. Coming soon, Bank AI adds a deposit and auto-invest layer: it works out what you can genuinely spare and proposes an invest-or-save move, then executes it only when you approve it one tap at a time - execution-only, never discretionary, through a licensed regulated brokerage partner. Your capital is at risk when invested.
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