A Snowball Analytics alternative for the AI-native, PSD2 era.
Snowball Analytics is well-loved for dividend analytics and portfolio benchmarking. Bank AI takes a different angle: a money app that connects to your brokers and bank accounts in the UK and EU through PSD2-licensed open banking, refreshes daily, brings cash, investments, pensions and crypto into one net-worth view, and lets you talk to your money with an AI assistant. If dividends matter to you but so does the rest of your financial life, Bank AI is the broader fit.
- Connection
- PSD2 open banking
- Refresh
- Daily, automatic
- Scope
- Cash + invest + crypto
Honest framing first
Snowball is a focused, well-built dividend and portfolio analytics tool. We don't want to oversell the switch. Here's how we'd describe the choice.
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.
Bank AI vs Snowball Analytics - feature by feature
Comparison based on the published Snowball Analytics feature set as of 2026-04-27. We've tried to be fair; if anything is out of date, please tell us at hello@stolenorbit.com and we'll fix it.
| 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 | Free during waitlist / pre-launch (2026). Paid tiers to be published before general release. | 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). |
Why investors pick Bank AI over Snowball Analytics
Three things come up most often in the conversations we have with investors who switch.
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'.
Frequently asked questions
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?
Yes, during the 2026 pre-launch waitlist period. Pricing for paid tiers will be published before general release. 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.
Try the Bank AI alternative
Free during pre-launch in 2026. Read-only access through PSD2-licensed open banking partners.
Join the waitlist