- Connection
- PSD2 open banking
- Refresh
- Daily, automatic
- Scope
- Cash + invest + crypto
Switch to Bank AI when
You're a UK or EU investor, you want cash, investments and crypto in one app rather than three, you bank with multiple institutions, and you'd rather connect through PSD2 open banking than maintain manual CSV imports. The AI assistant adds an extra layer if you like asking questions about your money in plain English.
Stay with Snowball Analytics when
Your primary lens on the world is dividend analytics - dividend safety scores, projected income, sector concentration of dividend-payers - and you're happy with manual / CSV ingestion to feed it. Snowball's depth on dividend analytics is its edge, and Bank AI does not replace it 1:1.
| Feature | Bank AI | Snowball Analytics |
|---|---|---|
| Connection method | PSD2-licensed open banking via Powens. Read-only by design. | Manual entry, CSV import, and a set of supported broker integrations. |
| Refresh cadence | Daily, automatic. | Depends on data source. Manual sources require you to upload; supported brokers refresh on their own cadence. |
| Geographic focus | United Kingdom and EU/EEA: UK, Ireland, France, Germany, Italy, Spain, Belgium, Netherlands, Luxembourg, Portugal, Czech Republic, Austria, Switzerland. | Global. Tickers from major exchanges supported, but local broker connectivity varies by region. |
| Cash and current accounts | First-class. Bank accounts and brokers in one net-worth view. | Out of scope. Snowball is a portfolio analytics tool, not a money app. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included; native on-ramp in build. | Manual support; not the primary focus. |
| Dividend analytics | Dividends visible per holding and aggregated across brokers; dividend-safety scoring is not in scope today. | Class-leading. Dividend safety scores, projected dividend income, sector and concentration analytics. |
| Tax wrappers (UK / EU) | Surfaces ISA, SIPP, GIA, PEA, assurance-vie, PER, Depot, PIR, cuenta de valores etc. correctly. | Generic ticker-level view. Tax wrappers are not the framing. |
| AI assistant | Built in. Ask plain-English questions about your portfolio, exposure, FX, fees and net worth. | Limited; Snowball is analytics-led, not chat-led. |
| Custody | Read-only. Bank AI never holds cash, securities or crypto. | Read-only. Snowball never holds assets. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free tier available; paid Premium around USD 9 per month with a one-time Lifetime option around USD 360 (pricing per Snowball Analytics public site). |
PSD2 open banking, not CSV uploads
Bank AI connects directly to your brokers and bank accounts through licensed AISPs, refreshes daily, and stops asking you to be your own data pipeline.
Cash + investments + crypto in one app
Snowball is a portfolio analytics tool. Bank AI is a money app: current accounts, ISAs, SIPPs, PEAs, assurance-vie wrappers, brokers and crypto exchanges, all connected.
An AI you can talk to
Plain-English answers to questions like 'how much did I pay in fund fees', 'where am I overexposed', 'when is my next dividend hitting'.
- Alternative
Sharesight alternative
How Bank AI compares to Sharesight: PSD2 open banking, multi-currency net worth, and an AI assistant - built for UK and EU investors.
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Emma alternative
How Bank AI compares to Emma: investments, pensions and crypto first-class - not a spend dashboard with a side panel.
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Plum alternative
How Bank AI compares to Plum: a read-only view across the brokers and banks you already use - not another platform that holds your money.
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Snoop alternative
How Bank AI compares to Snoop: cash, investments, pensions and crypto in one view - not a UK-only bills dashboard.
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Cleo alternative
How Bank AI compares to Cleo: an AI-native money app built for UK and EU investors, brokers, ISAs, SIPPs and PEAs - not US credit products.
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Moneyhub alternative
How Bank AI compares to Moneyhub: same PSD2 open-banking foundation, wider EU coverage, crypto in scope, and a built-in AI assistant.
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Finanzguru alternative
How Bank AI compares to Finanzguru: multi-Depot, multi-broker, multi-crypto-exchange aggregation with an AI assistant - pan-EU, not just Germany.
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Bankin' alternative
How Bank AI compares to Bankin': PEA, assurance-vie, PER, brokers and crypto in one daily-refreshed view, with an AI assistant on top.
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Parqet alternative
How Bank AI compares to Parqet: PSD2 open banking instead of CSV imports, cash + Depots + crypto in one view, with an AI assistant on top.
→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a Snowball Analytics clone?
No. Snowball Analytics is a focused dividend and portfolio analytics tool. Bank AI is a money app: cash, investments, pensions and crypto in one daily-refreshed view, connected through PSD2-licensed open banking with an AI assistant on top. We overlap on portfolio visibility and diverge on dividend-analytics depth.
Can I import my Snowball CSVs into Bank AI?
We do not support a Snowball-CSV importer today. Bank AI rebuilds your portfolio from live broker connections through PSD2 open banking, so the data is live rather than a snapshot. If your broker is in our coverage list you'll see positions within minutes of connecting.
Does Bank AI replace Snowball for dividend analytics?
Not 1:1. We show dividends per holding and aggregated across brokers, but dividend-safety scoring and projected-income models in the depth Snowball is known for are not in scope today. If that lens is your primary use case, keep Snowball.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Snowball's free tier is generous; paid Premium is around USD 9 per month with a one-time Lifetime option around USD 360 per the Snowball Analytics public site.
Does Bank AI work outside Europe?
Today, no. Coverage is the United Kingdom and the European Economic Area, because we connect through PSD2-licensed open banking partners that are concentrated there. Investors who hold most of their wealth in the US or Asia are likely to be better served by global-first tools like Snowball.
What does Bank AI do that Snowball doesn't?
Three things. (1) Connects directly to your brokers and bank accounts via PSD2 open banking with no CSV uploads. (2) Brings cash and crypto into the same net-worth view as investments. (3) Adds a built-in AI assistant you can ask questions to in plain English.
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