- Connection
- PSD2 open banking
- Coverage
- Multi-broker, UK + EU
- Auto-invest
- Coming soon, you approve
Switch to Bank AI when
You hold positions across more than one broker or account and you want one daily view across all of them plus your bank accounts, ISA, pension and crypto. And you like the idea that, coming soon, Bank AI reads what you can genuinely spare across all your accounts and proposes an invest-or-save move you approve, through a licensed regulated brokerage partner (your capital at risk).
Stay with Trading 212 when
You want a commission-free broker to actually buy and hold stocks and ETFs today, or you specifically value its Pies / AutoInvest tooling for recurring buys inside one account. Trading 212 is good at that lane, and Bank AI is not a broker - it connects to the brokers you already use and, coming soon, proposes moves you approve rather than holding assets itself.
| Feature | Bank AI | Trading 212 |
|---|---|---|
| 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. | Broker. Holds your securities and executes your trades; offers an ISA and Pies / AutoInvest for recurring buys. |
| What it can see | Everything: bank accounts, 60+ UK and EU brokers, ISAs, SIPPs, pensions and crypto exchanges in one net-worth view. | Primarily the positions and cash you hold with Trading 212. |
| Recurring / automated investing | Coming soon, and cross-account. Bank AI reads what you can genuinely spare across all your accounts and proposes an invest-or-save move you approve - not a within-one-broker rule. | Pies / AutoInvest automate recurring buys within your Trading 212 account; you set the allocation. |
| Discretion | Execution-only. Bank AI never invests without your one-tap approval; never discretionary, never autonomous. | Self-directed; you set up Pies and trades yourself. |
| Multi-broker view | First-class. Trading 212, Trade Republic, Hargreaves Lansdown, AJ Bell, Saxo and more in one place. | Trading 212 shows its own account; other brokers are out of scope. |
| Crypto | Crypto exchanges (Binance, Bitpanda, Coinbase, Kraken, Crypto.com) included in the net-worth view. | Not the focus. |
| 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. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | United Kingdom and much of the EU/EEA. |
| 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 broker; assets held with its custodian. |
| Pricing | Paid app. Current pricing shown on the App Store. | Commission-free trading with an FX fee on non-base-currency trades (per Trading 212's public pricing). |
Every account in one view, not just Trading 212
Bank AI brings Trading 212, Trade Republic, Hargreaves Lansdown, AJ Bell, Saxo and more into one daily-refreshed net worth alongside your bank accounts and crypto.
Automated investing across all your money
Coming soon, Bank AI reads what you can genuinely spare across every account - not just within one broker - before proposing an invest-or-save move. Your capital is at risk when invested.
You approve every move, and it's not a broker
Bank AI is execution-only on your one-tap approval, through a licensed regulated brokerage partner - it never holds your assets and is never discretionary.
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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 broker like Trading 212?
No. Trading 212 is a broker where you buy and hold securities, with Pies / AutoInvest for recurring buys. Bank AI is not a broker: it connects to the brokers you already use - including Trading 212 - 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.
Is Bank AI's coming-soon auto-invest like Pies / AutoInvest?
It's related but broader. Pies / AutoInvest automate recurring buys within your Trading 212 account on an allocation you set. Bank AI's coming-soon layer reads what you can genuinely spare across all your accounts - not just one broker - and proposes an invest-or-save move you approve one tap at a time, execution-only, through a licensed regulated brokerage partner. Your capital is at risk when invested.
Can I see my Trading 212 account in Bank AI?
Yes. Bank AI connects to Trading 212 via PSD2 open banking and surfaces your positions and cash alongside your other brokers, ISAs, pensions and bank accounts in one daily-refreshed view.
Can Bank AI place trades for me?
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 trading of individual stocks, a broker like Trading 212 remains the right tool.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Trading 212 offers commission-free trading with an FX fee on non-base-currency trades 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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